12 Club for iPhone

Quick summary

12 Club is a free iPhone app from Resilient Innovations Private Limited that helps users grow or access funds with a fixed 12% rate. Listed under Business & Productivity → Finance, the app has been adopted by more than one million people and emphasizes secure, straightforward investing and borrowing.

Core services

• Borrow funds at a flat 12% rate with no processing fees and the flexibility to repay early without prepayment penalties.
• Put money to work starting from Rs. 1,000 and earn up to 12% interest, with returns credited daily and withdrawals free of hidden charges.

Fees and flexibility

• No charge for withdrawals — you can take out your money without extra fees.
• Borrowing carries no processing fee and allows early repayment at no additional cost.

How to get started

1. Install the app from the App Store.
2. Complete the on-screen registration by verifying your mobile number via OTP.
3. Link your bank account, submit PAN, and finish the KYC steps to activate your account.
4. After setup, choose to invest or request a loan at the advertised 12% rate.

Permissions and why they’re needed

• Location access: used as part of credit and risk evaluation.
• Contacts access: optionally used to help assess creditworthiness and reduce fraud risk.

Need help or want to give feedback?

Use the in-app Help/Support section or the feedback form available inside the app. The app also lists contact options (email or phone) within its support pages for any questions, suggestions, or complaints.