12 Club BharatPe App HONEST Review: Is it REALLY that Good? | 12% Returns App STEP by STEP Process

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  • เผยแพร่เมื่อ 11 ก.ค. 2024
  • In this video, I have done a complete review of the 12 Club App from BharatPe which promises to give depositors a return of 12% and also if you are a borrower, you can borrow at flat 12% rate of return.
    A Step by Step guide on how to install and configure the app as well as how you can make the Investment is also shown.
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    ----------
    The following topics have been covered in this video
    What is BharatPe Twelve Percent 12% Club
    What is 12% Club?
    Who are the NBFC partners and/or P2P NBFC Partner on the 12% Club?
    How to create an account on 12% Club?
    How to add money in 12% club account?
    When is return earned on investment in 12% Club and how do I get a return up to 12% on my investment?
    What is the risk and how to mitigate it?
    How do re-investments work?
    Are the daily earnings reinvested or just the actual investment earns interest?
    What are the withdrawal charges?
    How long does it take for the withdrawal amount to be settled to my bank account?
    Where will money withdrawn from the 12% Club get credited?
    ----------
    Chapters
    00:00 Background of 12% Club App
    01:08 What is 12% Club?
    02:30 Which P2P and NBFC have Tie ups with 12% Club?
    04:08 What is the Risk Involved?
    05:13 How does the company mitigate the RISK?
    06:15 2 Very Important Points
    08:05 You should KNOW This
    08:38 Other P2P platform that I tried
    08:55 What is the Withdrawal Process?
    09:23 Should YOU Invest?
    ----------
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    All videos/comments and all other forms of communication are for educational purposes only and should NOT be considered INVESTMENT ADVICE. Any individual shall NOT be held liable for any loss suffered in any form by a student/TH-cam viewer/member of the public. Any information provided through our videos/classes/comments/social media posts or any other form must NOT be considered Investment advice.
    Some contents are used for educational purpose under fair use. Copyright Disclaimer under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
    #BharatPe #12%Club #EveryPaisaMatters

ความคิดเห็น • 158

  • @EveryPaisaMatters
    @EveryPaisaMatters  2 ปีที่แล้ว +2

    ➡️My Investments in 12% app - I have withdrawn all my investments from 12% CLUB App for which I also made a video.
    ✅Subscribe to my TH-cam Channel - bit.ly/EPMsub

  • @apurvbhardwaj1494
    @apurvbhardwaj1494 2 ปีที่แล้ว +11

    It’s a good investment option and we can take little bit risk for higher return of 12%

  • @pradeepkrmahato7234
    @pradeepkrmahato7234 ปีที่แล้ว +1

    अच्छी जानकारी दिए हैं सर आप बहुत ही डिटेल जानकारी दिए हैं सर

  • @naveenchaddha2802
    @naveenchaddha2802 2 ปีที่แล้ว +1

    Thanks for sharing this video 🙏

  • @sachindhiman4635
    @sachindhiman4635 2 ปีที่แล้ว +1

    Great explanation sir!! Best of luck 👍

  • @Bintukle
    @Bintukle ปีที่แล้ว

    I just want to know if it's like parallel banking so if RBI regulates it or not .

  • @abhishek2974
    @abhishek2974 ปีที่แล้ว +1

    Sir, make a playlist educating about P2P.

  • @khevash4619
    @khevash4619 ปีที่แล้ว +1

    hello sir.. can u invest from a foreign country

  • @binduhimachal228
    @binduhimachal228 ปีที่แล้ว +1

    Sir kya iska interst taxable hota h
    Ya nhi

  • @venkataramanapai289
    @venkataramanapai289 ปีที่แล้ว

    Is it available for NRI ( Non Resident Indian) ?

  • @Sbk1995
    @Sbk1995 ปีที่แล้ว

    What do you think sir agar me me investment ki taur par invest Krna chau to max kitna amount kar shakta hu like 10k 30k please suggest me in is is safe?

    • @shubhu3533
      @shubhu3533 ปีที่แล้ว

      10k-20k is on safer side

  • @liveupdates5428
    @liveupdates5428 ปีที่แล้ว +2

    Hi Sir... is it up to 12% on lending or 12% is fixed... and will it change depends on how much we are going to invest?

  • @nehaagrawal5623
    @nehaagrawal5623 ปีที่แล้ว +1

    There is no referral link now in 12% club app

  • @gajendramorya1682
    @gajendramorya1682 ปีที่แล้ว

    Kya 12% club me intranet rs kese milta he early ya monthly

  • @ishanagrawal396
    @ishanagrawal396 ปีที่แล้ว +3

    How taxes will be applicable on internet earned? What docs we will get to file in ITR ?

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว +1

      You need to file it yourself and show it in the Income from Other Sources.

    • @ishanagrawal396
      @ishanagrawal396 ปีที่แล้ว

      @@EveryPaisaMatters yes but what's the tax on it? Is it as per salary slab tax bracket or short/long term gain tax?

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว +1

      @@ishanagrawal396 As per salary slab. This is no capital gains so LtCG/STCG will not apply

  • @bnagaraju7154
    @bnagaraju7154 2 ปีที่แล้ว

    Thanks for review positive negative

  • @investonity2554
    @investonity2554 2 ปีที่แล้ว

    Sir lenden wali app similar h bhart pe 12% clube se?

  • @ShivaKumar-xp6lg
    @ShivaKumar-xp6lg 2 ปีที่แล้ว +4

    Is doing KYC safe or can it be misused. Thank u

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      Honestly, in these days of connected systems and everything being online - Trust No one.
      Do your Own Research and Understand the Risks involved before making an Investment.

    • @ShivaKumar-xp6lg
      @ShivaKumar-xp6lg 2 ปีที่แล้ว

      @@EveryPaisaMatters ok. thanks alot

  • @Shahrukhkhan-dx8ts
    @Shahrukhkhan-dx8ts 2 ปีที่แล้ว

    Sim investment nahi ho raha hai mera
    Please help me

  • @akashkhandalkar7169
    @akashkhandalkar7169 ปีที่แล้ว

    How much money should we invest in this, is it safe to invest up to 2lakh.

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว

      नमक स्वाद अनुसार, Investment Risk अनुसार

  • @RajKumar-gn9fz
    @RajKumar-gn9fz ปีที่แล้ว

    Defaltero ke liya alert hoga P2P or club 12 me koi eska faida uda ke bhag Jaye to

  • @pratshu
    @pratshu ปีที่แล้ว

    RD options h?

  • @shiwang789
    @shiwang789 2 ปีที่แล้ว +5

    does borrowing and lending on 12% club affect your cibil score?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      If you default on borrowing, then it impacts else it doesn't.

    • @nilsong1902
      @nilsong1902 ปีที่แล้ว

      Lending pe kaisa effect hoga
      Aap Paisa de rhe ho ulta

  • @ssdenterprises8114
    @ssdenterprises8114 ปีที่แล้ว

    Sir Costa saving ka video banao pls

  • @ojaskhobe3378
    @ojaskhobe3378 2 ปีที่แล้ว +2

    Hello sir!
    How much is the maximum limit for lending money?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +1

      It was 10Lakh earlier but currently only 1 lakh can be deposited at the max

  • @maankibaat9317
    @maankibaat9317 ปีที่แล้ว +1

    Sir 12persent intrest deneki jo bat to usme to 1 Luck rupiya ka to 12000 hota hai sir ye to log ko galat bat keheti hai company ne

  • @sagarmore6504
    @sagarmore6504 ปีที่แล้ว

    what if , i deposited 1L and it was borrowed by other peoples and same time i want withdrawal my amount ?
    Should i need to wait till Tenure of Borrower?

  • @Parirao
    @Parirao ปีที่แล้ว

    Sir mobile number change kaise kare 12%club mai plz btaye

  • @koustavsuny
    @koustavsuny 2 ปีที่แล้ว

    Finzy ka ek video kijiye.

  • @sachindhiman4635
    @sachindhiman4635 2 ปีที่แล้ว +4

    How is tax calculated on the interest earned?

  • @omgour7507
    @omgour7507 ปีที่แล้ว

    Sir paise tou account me aa jaate jab hum investment ko break karte h

  • @SandeepYadav-kw3to
    @SandeepYadav-kw3to ปีที่แล้ว

    Jo paisa mai invest karunga wo mujhe nikalna ho to kaise nikalenge?

  • @kazan0013
    @kazan0013 ปีที่แล้ว

    What about borrowing money ?

  • @victorpatil
    @victorpatil 2 ปีที่แล้ว +1

    If they Lend and Borrow at the same rate ; then how they earn for themselves?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      Answer was in the video where I showed how different P2P and NBFC companies are interacting with each other.

    • @vedantbhatt6158
      @vedantbhatt6158 ปีที่แล้ว

      Bhai tere ko 12 mil rha h wo dekh . Wo log kya kamayenge wo sab chhod. Aam kha gutli mat gin

  • @Prashantt007
    @Prashantt007 ปีที่แล้ว

    What happen if we don’t repay their loan

  • @Itzpradeepjaiswal
    @Itzpradeepjaiswal 2 ปีที่แล้ว

    Aime v lagaya tha esme paisa
    Intrest v mila
    But kuchh log bole rbi ese bahar kr raha hai paisa nikal lo to mai paisa nikal liya
    Sir kya aisa koi news hai kya

  • @tejasraval2372
    @tejasraval2372 ปีที่แล้ว

    Can I get loan from 12% Bharat pe loan

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว

      That you will have to check by going in the app.

  • @golugautam222
    @golugautam222 ปีที่แล้ว

    Sir mai download kiya hu.use karna baki hai.kais3 kare

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว

      Invest kar ke. Lekin aapko pata hai na ki P2P kaise kaam karta hai!!!

  • @bishwajit8
    @bishwajit8 2 ปีที่แล้ว +3

    Sir 12% intrest hum ko daily basis ke milta hai ya monthly basis me?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      maine cover kiya hai video mein. Its daily

    • @Itzpradeepjaiswal
      @Itzpradeepjaiswal 2 ปีที่แล้ว

      Yearly 12% milta hai
      But daily ka intrest credit kr deta hai daily

    • @bishwajit8
      @bishwajit8 2 ปีที่แล้ว +1

      @@Itzpradeepjaiswal ok thanks for the information.

    • @Itzpradeepjaiswal
      @Itzpradeepjaiswal 2 ปีที่แล้ว +1

      Aap v invest kiye ho
      Biswajeet jee

    • @Itzpradeepjaiswal
      @Itzpradeepjaiswal 2 ปีที่แล้ว

      Ab mujhe dar sa lag raha hai invest krne se
      Kahin kuchh lafda ho jayega to sab pani ho jayega

  • @AANANDIKUMAWAT
    @AANANDIKUMAWAT ปีที่แล้ว

    भाई जी मेने पेसे लगा रखा हे तो 3 लाख तो मेरे पेसे मे रिस्क तो नही हे

  • @keshavdevadiga1284
    @keshavdevadiga1284 2 ปีที่แล้ว +2

    Pahle 10 lakh tak tha max investment, ab 1 lakh ho gaya hai. Aisa kyu?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +2

      Probably supply was greater than demand....

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      @FUN FILMS For new sign ups, its only coming as 1 Lakh.

  • @umrankhan4378
    @umrankhan4378 2 ปีที่แล้ว

    Bhai koi bhi mt krna investment account ka use 29dec ko 1697rs ki add money ki thi 3 mahine se call pr bat ho rahi hai par aabhi tk refund nahi mila hai 🤬🤬🤬

  • @swaralipatil4604
    @swaralipatil4604 2 ปีที่แล้ว

    Hi

  • @viratkumarbarnwal6765
    @viratkumarbarnwal6765 2 ปีที่แล้ว

    Sir mera withdraw ni ho rha hai initiated likh rha hai

  • @RaviKumar-mi8cf
    @RaviKumar-mi8cf 2 ปีที่แล้ว

    सर जी अब पैसे 48 घण्टे में निकल रहे है कय्या पैसे निकल लेने चाहिए कय्या

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว

      Watch this - th-cam.com/video/nSpq39HBCQY/w-d-xo.html

  • @Mihir_Patil
    @Mihir_Patil 2 ปีที่แล้ว +2

    Sir abhi kuchh dino se Ashneer Grover and Bharat Pe ka issue chal raha hai. Toh kya iss situation me 12% club me invest karna sahi rahega?

    • @AnkeshKumar-ku2ub
      @AnkeshKumar-ku2ub 2 ปีที่แล้ว

      Mat Karo Bhai Mera 81k block Kar diyaa Bina reason ke.

    • @unkshiva
      @unkshiva 2 ปีที่แล้ว

      @@AnkeshKumar-ku2ub bhai kya screen shot bhej skte ho?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      If you go to Twitter and search, couple of people have shared that their withdrawal is coming as blocked. Probably that may be the casw.

    • @RaviKumar-mi8cf
      @RaviKumar-mi8cf 2 ปีที่แล้ว

      @@AnkeshKumar-ku2ub really abhi tk vpis nhi mile tumhe

    • @AnkeshKumar-ku2ub
      @AnkeshKumar-ku2ub 2 ปีที่แล้ว +1

      @@RaviKumar-mi8cf mujhe to kab hi mil gya.
      Aapka kab hua hai block?

  • @rohantechrt
    @rohantechrt ปีที่แล้ว

    Bro it's P2P Lending and my question is :- if any person default my loan amount then her person get down cibil score

  • @Xpt-yu1pf
    @Xpt-yu1pf ปีที่แล้ว +1

    ISME RBI 5 lakh tak ka risk cover karta hai.

  • @happyshappys
    @happyshappys 2 ปีที่แล้ว +1

    Sir can you please tell how the actual calculation is done?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      Which calculation?

    • @happyshappys
      @happyshappys 2 ปีที่แล้ว

      @@EveryPaisaMatters sir how the 12% is calculated?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      @@happyshappys There is no calculation shared. Basically they will lend at higher rate via their P2P partners and give you the 12% returns is what I have understood

    • @happyshappys
      @happyshappys 2 ปีที่แล้ว

      @@EveryPaisaMatters they give the 12% of what they get from the peer !. That means, the amount credited everyday will differ

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +1

      @@happyshappys Ok, I got your question. They give 12% on amount you have deposited. But interest is credited per day but calculated on per year basis.

  • @ashokpanigrahi3848
    @ashokpanigrahi3848 ปีที่แล้ว

    UNI card is gone.

  • @anirbandutta4445
    @anirbandutta4445 2 ปีที่แล้ว

    I didn't get yesterday's interest!...
    Is that due to Ashneer grovers resignation?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      I have myself raised a query on Twitter with them. It will be naive to assume that a resignation will lead to non-credit of interest as the investments are done with LenDen Club and not by BharatPe...

    • @anirbandutta4445
      @anirbandutta4445 2 ปีที่แล้ว +1

      @@EveryPaisaMatters Okay...
      Thank you for the reply!

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +3

      It has been credited now. Please check 😎

    • @anirbandutta4445
      @anirbandutta4445 2 ปีที่แล้ว +1

      @@EveryPaisaMatters Yes thank you so very much!...
      So what made the delay? Any idea sir?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว

      @@anirbandutta4445 No clue!!!

  • @saikatpatra2117
    @saikatpatra2117 2 ปีที่แล้ว +2

    It Is Save For Money Investment ?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +1

      It comes with Credit Risk. Please check the section in video about risk involved.

  • @maankibaat9317
    @maankibaat9317 ปีที่แล้ว

    100000 Guna 12% =12000 Hota hai sir Bo kaha milta hai

  • @RajKumar-gn9fz
    @RajKumar-gn9fz ปีที่แล้ว

    Defolt khud kuch salo campny ho ker jaye or app band pesa ekhtha ker ka no lone de fir arbo milial ekta ker ke bhagi to kon dega

  • @prateekofficial6078
    @prateekofficial6078 ปีที่แล้ว

    Hlo

  • @kamalbisht1034
    @kamalbisht1034 ปีที่แล้ว

    Risk to nhi h na sir Mai use kr rha hu sir ji.

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว

      Kyun nahi hai Risk? Maine video banaya hua hai video P2P par. Channel mei ja ke dekhein.

  • @totansarkar5714
    @totansarkar5714 2 ปีที่แล้ว

    A fake nehi to sir?

    • @EveryPaisaMatters
      @EveryPaisaMatters  2 ปีที่แล้ว +2

      Its not fake but there is always a risk involved - Credit Risk in this case. Maine video mein try kiya hai samjhane ka isko. Aap ek baar achche se P2P aur uske sath ke risks ko padhein, samjhein aur sirf tabhi nivesh ka sochein 🙏

  • @Pagalcoderguide
    @Pagalcoderguide ปีที่แล้ว +1

    12% everyday means in one year 4380% return ?? 🤔🤔

    • @EveryPaisaMatters
      @EveryPaisaMatters  ปีที่แล้ว +1

      12% annual, credited everyday.
      BTW, 12% everyday is NOT 4380% but much more than that - if you know how compounding works.

    • @webseries641
      @webseries641 ปีที่แล้ว +1

      12% every year

    • @nilsong1902
      @nilsong1902 ปีที่แล้ว

      Annual bhai 😂😂😂

    • @madhurjyasarmah1017
      @madhurjyasarmah1017 ปีที่แล้ว

      12%per day bol dea

    • @gamingwithme4041
      @gamingwithme4041 ปีที่แล้ว

      12% daily ka milta toh hum bhi Ameer ban jate 😂😂 12% P.A. hai . koi baat nahi seh lenge thora.

  • @AnkeshKumar-ku2ub
    @AnkeshKumar-ku2ub 2 ปีที่แล้ว +22

    Bhai log koi is 12% club me invest nhi Karna, Mera 81k kha gya hai block Kar diyaa Bina reason ke.

    • @manishbabu7644
      @manishbabu7644 2 ปีที่แล้ว +9

      Jhooth Q bolte ho bhai

    • @indianspeaks8957
      @indianspeaks8957 2 ปีที่แล้ว +1

      Lie

    • @shasikant1343
      @shasikant1343 2 ปีที่แล้ว +4

      Koi puruf h kya pic sand karo

    • @bollywoodluvv4740
      @bollywoodluvv4740 ปีที่แล้ว

      Kyun Bhai ?? Kaise batao ??

    • @ankitsrivastav8027
      @ankitsrivastav8027 ปีที่แล้ว +23

      Teri शक़्ल से ही नहीं लगता है कि 81k होगा भी तेरे पास, 😂😂

  • @jaydeeepradhanpara4714
    @jaydeeepradhanpara4714 2 ปีที่แล้ว

    Bad idea

  • @RajKumar-gn9fz
    @RajKumar-gn9fz ปีที่แล้ว

    Kal ko app band ker de fir Kanha jayega janta

  • @jaydeeepradhanpara4714
    @jaydeeepradhanpara4714 2 ปีที่แล้ว

    Risky and bad idea