Folks, I understand that without risk there is no return. But, the risk should be taken in accordance with the expected return. If the goal is to just make 12%, you can accomplish that by doing safe(er) investing via NIFTY 50 or any Indian Index. In case you would like to learn more about safe ways of investing, check out: ►My stock market course (comes with 1 year community access), here: wisdomhatch.com/stock-market/ _______________________________________________________ ►I talk about in depth macroeconomics correlated to stock market movement on KZfaq member community here: kzfaq.info/love/qW8jxh4tH1Z1sWPbkGWL4g _______________________________________________________ ►Many of you have asked me for resources on US Stock Investing, Seeking Alpha is a great platform for research that I use: www.sahg6dtr.com/236BJZQ/R74QP/ _______________________________________________________

One thing that never ceases to surprise me - most of the sharks have become millionaires by burning investor money and creating loss making entities

CEO, COO, CFO of Bhartpe resigned, all in the same week. Imagine what would happen if it's a public company.. This comment should be pinned.. People, make a wise choice

One thing is being missed by everyone here. BharatPe doesn't provide loan to everyone, it only provides to those shopkeepers who are doing good amount of transactions since many months and can easily repay the loan with interest. And those transactions are analysed by BharatPe's powerful tools which reduces the risk of NPA at a very great extent.

I invested almost 2.5 lakhs.. Bharatpe gave me everyday interest ... and I used to draw the everyday interest and re invest in it.. they also gave me compound interest on that amount... but I have done this for 4 months.. they never defaulted the amount and gave exact 12 percentage... but I have taken all the money because I think it's risk.. and I got almost 5percentage of net interest... for 4 months.

1. P2P is small amount loans 2. Personal loan also don't have collaterals 3. If a person don't get loan from anywhere then where he will go?? Better to pay more and get from such platforms rather than asking from relatives and friends. 4. Risk is there everywhere. If you walk on a footpath - it is also risky, that doesn't mean we stop going out from home I have been Investing here since 2 years. I am getting a fair average of 11% from all the platforms. If we want to earn we need to take risk. Or else invest in FD and sit quiet.

The 'buy/book now, pay later' model has becoming a major concern in the US, with people buying groceries on loans. A single missed payment can be more expensive than even card interest charges. Makes me apprehensive of anything that has BNPL association.

The only people who prefer to take loan at such high interest is people who aren't getting loans from anywhere else because of bad credit score

One of my friends talked about Bharat Pay 12% scheme.I thought it's a ponzy scheme.Thank you for making us aware about it.

One more thing which i want to highlight for being a bharat pe 12% club user. They are also not giving you interest for 6 days on your capital deployed... they take 4 days to start earning on your capital, and when you withdraw, they took 2 days. So overall, 6 days' interest also in their pocket. And i am frequently withdrawing my interest part say every 15 days on 25k capital deployed. For me, it's just another option to invest as i don't want all my eggs on the same bucket, and i only invest 25k because i can afford that risk. In short, access your risk and get rewards accordingly. Other than this, after their launch, they stopped adding money option for 3 months and reopen now for few days, as i think after Ashneer's comments people started withdrawaing their capital and they are filling it now. Happy investing.

I had a good run with the 12% club. When it was introduced initially i used it as a wallet. Because it gave an option to instantly add or withdraw money. Then the withdrawal period was moved to 48 hrs. Which was a minor inconvenience but still okay. In the past few weeks Ashneer LinkedIn posts have been raising panic and concerns. I had a little over 1.8 lakhs parked there. I liquidated all of it at once and luckily got the entire money without any problem. Earned a good 20k interest over the entire period.

12% club is just a medium, the actual money is with LiquiLoans Until and unless they have some issue, any issues at 12% club are not that critical to worry losing entire capital Also Ashneer has pointed out regarding losses of BharatPe and not shutting down of 12% club He himself is a shareholder in the company Akshat please attach links to articles to back your claims

The point to learn is make hay while the sun shines. Never use such platforms for long term. They are definitely lucrative from a short term perspective. The goal is to capitalize when they are flourishing and then exit at the right time. The right time is when you hear such things and see such videos. Nobody can say who is right, but who are we to sit and assess, it's a complicated thing and not our cup of tea. So take that as an exit signal and better be safe than be sorry. That said I have just withdrawn whatever funds I had parked in 12% Club.

It's so refreshing to see this video, as I have done research work on the P2P lending companies in India though the objective was different but I had very similar findings and it is very hard for a common man to gather all this knowledge on their own. Thus it was a wonderful attempt to educate people in understanding a very different type of business and what they are getting into when they go for such platforms. Understanding of Risk is the key here. 👍

Excellent due diligence. I like when Akshat is sober and not greedy. However, due diligence goes out of window when $$ are thrown for promoting a product.

Even during corono period p2p NPA not crossed 10%. P2p is way better than vauld and your crypto

there are countless cases of people getting scammed daily from online platforms. Your video is very important to anyone looking for quick high returns. The one advice I can share from people who understand this platforms are get in early and get out fast, do not wait for the last station to get off the bus. The longer the company keeps paying you high returns, they are also finding it hard to generate those equivalent returns amidst growing risks

I join 12% club in Feb 2022 with little investment of 10K, it was good at that time i was able to withdraw the amount & Interest instantly during that time daily interest which i was getting little under 12%, Gradually i parked more amount & was getting interest daily. After using for 1 year suddenly daily interest was dropped from 12%, to 10% then i understood the risk here & withdrawal half of the my amount & reinvested in CRED. So far i have generated around 74K return within 18 months of using, I don't think that i would have got such amount by investing in Bank FDs or etc. Yes it is bit risky to invest. So far i am happy with 12 % club.

You shown report of lenden group This is making 12 %club a good company . It is safe until corona like problem comes

Thanks for bringing this video. I learnt about npas and arcs on my own when ashneer post came, but your video has made my understanding much clearer.❤

One line summary is " Stay away from P2P lending. Think well if you want to borrow as the interest rates are super high"

What about vault?

Sir please AI ke uper bat kijiye. 1.kya iski wajah se sach me lakho log unemployed ho jayege. 2. Uska Market pe kya impact ho sakta h 3. Hum stock market me AI se behtar kaise kar sakte hain 4. Kya isko koi investment opportunity banaya ja sakata h. Sir i am very fearful but ready to deal with it.please help❤

I dont know y u hate 12%. The deposits and lending in 12% is controlled by liquiloans. Not bharath pay. Et money, cred mint fi jump etc all use this liquiloans for same. If 12% to fail first liquiloans eill have to fail.

Dear sir, when there's no risk, there's no return. Uncertainties exist in lending & borrowing & this is law of funding. Only invest if you are willing to lose.😊

Today only I was thinking of investing in 12% club, thank God I saw this video🙏

Request you to please do a video on vauld restructuring...emails recvd from them are confusing as they are asking to going for rda...anorher mail expect us to nominate a creditor..please please...i have been requesting for an update

I have invested on regular basis in 12%, it is giving me intrest on regular basis, in morning i get my interest on time so apna rojka khana,thoda pina, ho jata hai...

Firstly u said banks 7-8% le leta h to 12%club bhi to wahi 7-8% le rha h, secondly no one will take loans @18-21% the ones will be taking who doesn't hav collateral or want collateral free loans, collateral free hai isliye to interest rate jyada h

Vauld me ab kya kare????????????

Lol if any thing , the Vauld that was suggested multiple times on this channel went under and many ppl lost their money. Guys why do you even watch this. Its just a content for people like this to maintain their income stream from youtube and you have nothing to learn. There are many good youtube channels that will help with investing, please dont waste time here. All influnecers are shady so please avoid them and watch channels who are educators

17:35 Ashneer himself created this unsustainable business model. Now that he has got his 1 min fame and money, he is no bad mouthing his own creation. So, NO, he is not right. Because he himself CREATED this hotchpotch. He is the PROBLEM here!

Those don’t know 12% club its basically a platform patnered with another nbfc called liquiloans which gives this p2p facility Its also partnered with other fintechs like cred and fi money and the interest rate is different with different platforms Like 12% club has 12% interest cred mint has 9% fi has 9-11% And there are other nbfcs like lendbox and lenden club which also do provide this kind of p2p service

What about zilingo case of Ankiti from Sequoia Capital ? They are not trustable as connection matters

Company agar video sponsored kar deti to bahut achi thi company😂😂😂

Didn't Ashneer himself say that they give their depositors and lend money to others @12% only. The catch is that they take less deposits and lend more so they make money from there?

Hey Akshat, I am an mba finance student and I feel that I am getting smarter day by day after watching your videos regularly. Thanks for creating such quality content ❤️ (Request) If possible i would recommend you to make video on how MBA students from tier 3 colleges can have a good career in finance. Again Thanks 🙏

Pls advise, what we should do in Vauld. Its difficult to understand vauld communications and letters

P2P loans via 12% club are not on BharatPe books but are with liqui loans. So the argument of bharatpe selling its loan to arc isn’t valid. Loans of Bharat Pe were giving to vendors and small shop owners which is the distressed assets.

Some insights since i did invest regularly in 12 percent club until 3 months back 1.Many times they stop fresh deposits saying that they don't have that many people for loans but it opens back up in a week or so. 2. They credit interest everyday. 3. Withdrawals are fast enough , i have never had to wait more than 36 hours 4. There is no compounding effect in Bharatpe 12 percent club if you deposit and 1000 and after a year is 1120 in order to make it compound you will have to withdraw and deposit the whole money back again if you want compounding effect.

Your views on Faircent Digital?

There is no mention (in this video) of Bharat Pay having a bank license and it also falls under the DICGC. Even if it fails, upto 5 lakhs is secured.

Last year I invested my money into corporate bonds at 11% yield. And those bonds are AA+ rated and secured. Way better than apps like these.

I am not completely on the same page, some of the mfi's in India lend at almost 24% and still their defaults are hardly less than 4 to 5%. Though a person with a job and a cibil may not be taking loans at 18% or above. But people running small businesses have no other option of lending as they do not have a good credit score.

You just made me withdraw my 150K from 12%club

Mobiwik is also giving 12 percent. Any information whether its a good deal considering the company

Dear Akshat, I am a paid member. on I received mail on 28.5.23 that my membership paused for noncollection of subscription. later I found that the mode of collecting subscriptions is either a credit card or debit card. I do not have access to any card. Is there any alternative to pay? from learntapas. I await your guidance.

Because of this video the lot of people gonna loose their money

Hi Akshat what are your views on Cred mint?

I'm a user of 12%club, i kept on doing SIP in it and my amount reached 1.5lacs... it gives 12% returns for sure... Nothing less or more... I have withdrawn my principal amt + interest as well multiple times and works fine... Same goes with Mobikwik Xtra..

sir ji, please check hdfc emi interest rates on credit cards, its around 16-24, please correct me, if i am wrong

Interest rate from loans are compounded But interest paid inversters in not compounded this is the real strategy 👽

You had recommended to invest on vauld!!

I have invested 1.5L for 25 days and I did not find any issues It will be okay if you invest for short time but still risk is 100% is like your luck

People with either poor credit score or no credit score take loans at this rate with no proper income to return the amount. I have seen people purchasing their desires and defaulting.

I am using mobikwik since 2 months every months 13.2% . Now i am very very happy

Great job !! You have no idea (or you may have), the kind of service you are doing to society. But irony is that people are busy surfing mindless reels millions view and then most of them find themselves ar the same place (economically) or down, but then blame the economy etc....keep it up Shrivastava Ji.

I invested 51k in 12% club. Let me know what I have to do

once you notice the reflection behind him you can't stop looking at it

मेरे पिताजी अपना रिटायरमेट का पैसा कही सेफ जगह लगना चाहते है। सर bajaj finance FD पर 8.6% रिटर्न्स दे रहा है। क्या ऑनलाइन FD लेना सेफ है और क्या मेरा पैसा सुरक्षित रहेगा। कृपया उचित सलह दें।

What are your thoughts on corporate bonds investing platforms like wintwealth ? Most of their bonds are related to small finance companies. They could default anytime as well in this market. High risk at this time?

Akshat @6:53 isn't it the govt entering and RBI entering for bailing outs are two different things.

I also invested there and making money. Yes you are right they take 6 days interest. Even though I am happy to get 12% interest

Lower class people never default they are much better than corporates

what i encountered is (been invested for more than 7-8 months ) if go to earning statement u will found that u earn more from cashback from 12% club rather than the underline p2p lending most of the time earning from p2p lenders were on average not more than 30-40% of the interest amount so that is something which even i donot get when i came across the earning statement so there is definitely something to explore here

Very very rich Content, Thank you.

I invested 5L since 2021 in 12% club and i have received full returns till today. After watching your video I have created full withdrawal. It takes two days for withdtawal, will update once i receive it

Your research is not accurate because bharatpe also gives loans to shopkeepers and small vendors who pay 2%+ per month so that their working capital requirements are met because they don't get money from banks and institutions also bharatpe settles the money they are recieving from their customers so they can get their money with interest from the money they owe the shopkeepers which makes their loans less risky so what i am trying to say is it's obvious that P2P is risky but not as risky as you are saying please complete the research

I have invested in Liquiloans for 8% and it was good. I got 8% monthly returns for almost 2 years. Just few days ago I withdrew my capital as i need funds.

You made a mistake I guess, While calculating NPA of 4% in lenden platform, you confused it with total interest, rather it should be on total AUM right?

It personally is not for me. if i feel adventurous i would go and buy Yes bank shares but will stay away from the P2P lending space 100%

I have been using it for the last 2.5 years still not a single problem

Honestly, a very long video. Come to the point quickly man. You don’t need to make 18-20 minute videos on everything. Everyone knows basic concepts like ‘HDFC bank pays us 7% and earns 12%’.

Can you make a video on India P2P?

Mera pass 20000 hai 12% club me add kare ki nahi please bataiye 12% club me Paisa koi dikkat nahi Na Please 🙏 help me

withdrawn 422000 from 12% club after this video.

I had started investing money in 12% club since Dec 2022. My plan was to invest Rs. 5,000 every month but in the month of April 2023 they stopped taking deposits (atleast for my account). And they were also giving loans to who knows who so I withdrew my money in May. Though I got my money and interest(12%) on time, I never felt secure about it. Now I'm considering to invest in Cred mint as they are saying they lend money only to the ppl with 780+ cibil score. But the problem is 1 lakh deposit as starting amount. So still doing my research. If anybody has experience with Cred Mint, Please share your experience.

Sar 12% per kya ham log investment kar sakte hain yah safe hai

Should it not be regulated at same level as Bank = Deposit taking institute?

enjoyed your video.. especially appreciate the speed with which you educate us. Less time and powerful knowledge. great work!!

I have invested very small amount and till now I have not faced any issues in withdrawing the amount. I am getting the mentioned amount every day in my account.

My friend asked me to loan him 60L rupees and he was ready to pay 2% interest every month 🚩 with compounding. He even said I can keep his land deed as collateral 🚩 I asked him why does he need that money? He said business development - he owns an operates a primary level school I showed him to a bank and told him to take a loan @9%pa.

Hi Akshat, great insights here. could you also please share your thoughts on other non-market linked investment opportunities like the Invoice discounting, theme based investing like farming/solar etc.

Tell us something about the present status of vauld also. You had promoted it so much so hard. And after they defaulted you simply put a video stating this is happening now and will update further. You have been uploading 100s of videos, but not a single one on vauld. You make video as per the requirements of your sponsors.

Corporate Bonds or even FD from big houses like Tatas or Bajaj or Shriram Group can give nearly 10%. If we manage to avoid Tax on this via HUF or non-salaried Dependents, then there is NO NEED to risk capital for that 12% club.

Please make a video on analysis of Circpay.

The same thing happened with Future group before they went bankrupt. They were promising to give 12% interest rate on the deposits where in banks were giving 4 to 5% on FD's.

Maine invest kiya tha lekin last 31 may ko pura amount waps kr diya interest ke sath. Ab age interest ka paisa kaun dega😭kya fir se deposit krna sahi hai?

What about CRED mint? Is it same?

Hi Akshat, please make vidio on Gropital investment option. It is looking good alternative tax free option. Please look for it

I had invested 4 lakhs, and withdrew it after ashneer's comments and got all my inverted money on the first working day after that. So as of now they have sufficient liquid funds. Also, there hasn't been a single default in the statements i saw for the last few months. I had been consistently getting the return everyday. Looks trustworthy but again it's high risk. I won't be investing back and looking for other avenues of safer investment.

Kuch bewkoof paise withdraw kar rhe hai isi video ko dekhr janki wo 2020 se regularly return mil rhe ho... Inko bolo parley g kha kar invest na kiya kare... Risk smajh kar kre

p2p is an option to whom bank did not seem fit to provide loan. Lending them is higher risk and same reason i avoid doing p2p . If i need to take risk then doing nifty option would be better ..

Till now 12% club worked fine with me with 12% returns without any money withdrawn issue.

Please make a video on CRED Mint, which gives 9% returns.

Reading something in twitter and reading few info through google and cooking up their story here.this is wat most of the half boiled influencers doing. Aksath is one of them.

Lenden club is already brought down their rate to 10% as they were not able to sustain the 12% saying this of personal experience

Thanks for putting effort into explaining the details of the 12% club, and what I could make out is Bharatpe is just a like a DSA. If I remember the early days of P2P lending with companies like Faircent and the regulatory structure which was put in place for P2P NBFCs didn't give them any opportunity to make money out of the interest arbitrage, and they make a fee-based income by servicing the borrower and lender. Technically speaking, P2P NBFCs don't have to hedge their lending portfolios if we look at the regulatory structure though they insure the loan book by charging a fee at the time of borrowing. The borrower gets the money from a pull of funds created by the lender with the help of the P2P NBFC. The structure is quite similar to the structure of a Mutual fund. Want to under @Akshat Shrivastava whether this regulatory structure has changed? The serious issue you have raised about the loan portfolio of LendingClub with over-exposure to BNPL borrowers, which is the partner NBFC for the 12%Club.This is a bad state of affairs for the P2P industry as the industry was put in place to support MSME and individual lead business who are generally raised working capital from private lenders because the formal banking don't service them

Sir I must say that there are two people that I religiously follow one is you and the other is raunak Aggarwal trade with trend Both of you have a great content

Mr akshat do not compare with housing loan for collateral it is clean loan like personal loan given by banks without collateral