KZfaq pe koi bhi insan jiski dilchaspi investing or finance ko sikhne me hai shyad wo pk sir ki videos ko miss nhi kar sakta because pk sir giving everytime very deep knowledge for everyone 👏😍

Being a banker I can say this video is utmost clarifying for general investors.. I guess people should know the stability of bank deposit than any other instrument..applaud👏🏻👏🏻👏🏻

Ek imp chizz toh batai hi nahi .....in case of 12% club if you invest 5000 rs it will divided into 200 each and wil further lend it to other so if one default, it will cost you 200 not entire 5000

I don't see any other educator as you , please keep teaching us the way u do...God bless u good health and happy life.

No one gives fixed returns, everything comes with risk.

10/10 boss... You are my single source for financial decisions. Appreciate your support 👍🏼

10/10. Very well explained. I may add that if you invest the money you are ready to risk in MF or stocks, you atleast get a chance to get out with some amount when there is a downturn because of news in media. But this may not happen in the 12% club apps

I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with , Love the knowledge keep it up *VRI TOKEN*

I learned somewhere that 12% club loans for capital expenditure of small shops. It collects the money when the customers pay shop through bharatpe qr code. This way money is in constant rotation, not locked for 1 year. Therefore next day withdrawal (liquidity) is not as impossible as told in the video. I agree though, that one should invest only that money which one can afford to lose without effect on their lifestyle.

I am not favoring P2P lending but Banks are also Responsible cause small sector companies don't get loans easily and they need liquidity which is major problem

They are majorly giving loans to shopkeepers who are using Bharat Pe QR Code, they already know their income levels on daily basis. So customer profiling is easier for them and chances to default is low.

Hi Pranjal Ji, As always you have very good content which is completely relatable and helpful for us to take the right decision for our money. I appreciate it and i am very thankful for it. I would like to rate this video at 8/10 and have below suggestions to get 10/10 from my perspective. 1) Please show the calculations on the screen, it makes it easy and quick to grasp the points you are trying to make. 2) you can use illustrations/diagrams/drawings etc. to do above. 3) It would be good if you could shorten the length of the video further. I like "Think School" channel videos because they convey very complex points in very quick and easy manner. This is just a suggestion and in no way a comparison. You are great at what you do. Thank you for reading.

2 log h jinhe mai unke intial phase se follow kr rha hu KZfaq pr vo h ek pranjal aur dusra BB aur ye dono hi bande genuine h aur successful hue just because of their perfect and best content.. I will follow you always for my finance.. U r the best😊

10 out of 10 sir you saved me from 12 % club..from going greedy just for 4% Thank you sir

Applaud for such great content, very hard to go against brands, company tricks.. Hats off

I was just about to invest my whole family's earnings in this app. Thank God I opened your channel. Thanks for the advice; it was really helpful. I'll rate it 10/9."

For small amounts in denominations of 10k, 20k, i don't think there is more risk as compare to investing 50k or above, so for small amounts we can invest therein.. and yes we will not get enough benefits in small amounts so if you got 12% on these amounts you will have still little bit benefits, so invest according to your necessities..

In last 4 years I have learned so much from you that from the beginning of 12% club I clearly knew it is very very risky, still just for you I played this video, thanks again!

Thank you so much sir apke videos dekha kar mein ne business start Kiya tha aur aj mein per Day 3000 Earn karta hun Thank you so much sir ❤️😊

Being a banker i can say you have done a great research on this topic

PK all points are valid. My observation is that the audience opting loans from such platforms are not necessarily people rejected by banks for loans but also people who are seeking money with quick and easy borrowing method and amounts are not very significant. Of Course it has inherent risk and one should park money you can afford loss and high risk appetite

Clearly there a few misconceptions in the video: a) PK says that there is no underwriting and money is given to anybody. Fact: Funds given by Liquiloans (the company / NBFC which does the lending) are underwritten on the basis of credit score. b) PK says that Banks guarantee the deposit. It is not the banks who guarantee, it is the DGIC which provides 5L deposit insurance. Banks have also put moratorium in the past (eg Yes Bank). c) PK says the borrowers are people with poor credit who have been denied loans by banks/NBFC. In reality, some of these are short term liquidity loans (3-12 months) which the borrower takes in the event of emergency or liquidity shortfalls. Sometimes BNPL is funded through these platforms. This is easier than going to bank , doing KYC and taking loan. I have done this personally despite my CIBIL score being 780. d) The lending that you do via P2P is not given to one person. The money is divided amongst 200 borrowers (12pc club gives the list). So the chance of everyone defaulting is very low. Some of these NBFCs have lower than banks’ NPAs. e) RBI has strict norms around how much money one individual across P2P can invest. In conclusion, fear-mongering is not the right way to approach an asset class. Always be aware about risks and how much you want to put into any asset class. Comparing Vauld (which used staking) to 12pc club is not correct.

Hey Pranjal, Very enlightening video as always & thanks for your financial guidance over these years. I would like to check whether 12% club lend our fund among 'n' customers & then automatically deduct/collect the payment amount on a daily basis from their customers account?

Thank you so much sir. I have invested Rs.80k in 12℅ club. I will withdraw everything just now.

Truly Unbiased Review as always, Sir. 10/10.

You forgot to highlight the fact that most of these platforms mitigate the risk by distributing your invested amount evenly amongst multiple borrowers. this is basic and should have been covered

10/10 ❤❤❤ Thanks for giving me knowledge sir

Informative video Pranjal ji, Kya grow app ke through mutual fund or stocks me invest karna safe hai? is topic par bhi video banaye ki kya kya risk ho sakte hain. Jai Hind Jai Bharat

Pranjal your videos are just awesome...loaded with tons of information...great work.

10 star as always , why does RBI allow such applications if it is that risky ?

10 rating to this video, Pranjal kamra you are a real jem with true heart. I can blindly trust on your advice because I know company can default but your ethics & values are way beyond. You are a true friend for all Indian investors. Keep up the good work

I really appreciated this video, as a medium-term *VRI TOKEN* holder. I know you commented on not many people paying attention to this, but it was very relevant for holders such as myself. After watching your thoughts, I willbuy more. I also remember your earlier assessment. This will crush the market.

10/10 thank you for making such videos on a regular basis and making us more aware.

Agree to your point but under T&C this is regulated by RBI upto 5 lakhs... Liquidity is definitely a concern... but if one can take a risk ..you can park some money in 12% club... again all individuals should plan their risk appetite.

Thanks very much Sir! Logon ko chuna lagane ka 'Dhanda' hai p2p.. Thanks for saying the Truth as usual 🙏

Yielding income does not have impartto upliftinng people I do appreciate and grateful to Mrs Anya Nicole Bradford for her dedication that bring me to this point, finally paid off my mortgage and all my debts, what more could I've asked for

Yes you said right, stocks can give you multibagfer returns with a calculatated risk ( if we take) , whereas p2p lending can be a lot risky with limited returns

I’ve been with *VRI TOKEN* for more than five years and it’s one of the best decisions I’ve made in terms of investing. I use my self-directed IRA with Preferred Trust Company. I work with my Investment Representative from Ignite Funding who is very professional and knowledgeable as well as the other employees in other departments. I get answers to my questions right away. I have more than 20 loans at the moment and interests are paid in a timely manner. I’m grateful to have them.

Interesting analysis. Thanks. There is no free lunch, especially in lending.

I got a loss in mutual funds. But i have been getting constant return in the p2p lending

I do agree that these P2P platforms can have liquidity crisis. But the big banks can also face the same crunch. The recent failures of few US banks is an example. One big difference is bank has lesser chance to fail under liquidity crisis as compared to these P2P lenders. Government should regularise these P2P lenders and merge them with some bank to make their lending process better.

Bhut अच्छी जानकारी आप ने दी सर में इसमें पेसे डालने वाला था लेकिन अब मुझे सब अच्छे से क्लेयर हो गया है, लेकिन दुःख इस बात का है कि अच्छे और बड़े यूट्यूबर इस aap का प्रमोशन कर रहे है जेसे सागर सिन्हा सर

I've been investing since one year in 12%club. Till now i'm getting 12% interest and not facing any issue.

10/10 Rating Sir You are always best in finance field 😊😊

Always 10/10 for your genuine content 😊

You are one of the most sophisticated and brilliant KZfaqr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for *VRI TOKEN* much love from Chicago

मैंने करीब दो साल पहले 12% में इन्वेस्ट 10000 से शुरू किया था क्युकी शुरू में बहुत ज्यादा डर लगता था लेकिन जब भी विड्रॉल डाला समय पर आता रहा और फिर धीरे धीरे विश्वास बड़ता रहा और मेने इसमें 350000 तक डाल कर रखे और नो डाउट उसका भी इंटरेस्ट और जरूरत पड़ने पर पैसे समय पर आते रहे और आज की डेट में मेरा 2 लाख के करीब पड़ा है इसमें लेकिन फिर भी एक डर शुरू से आज तक है ही की कहीं पैसा डूब ना जाए।

Much love brother, fan of your perspective about investments

I had downloaded 12% once but I thought of the same and didn't sign up. One may diversify some funds in bond also. 9/10 for the scoop This video should have aired a lot earlier.

ye video dekh ke saare log paise nikalenge... aur fir risk badege...risk to har jaga hai, MFs lelo ya stocks lelo...

Finally someone made video on 12% club

10/10, love your video,pranjal.The video is very good and the explanations are very detailed.I've been learning about the options market recently. I'm also looking for a more beginner-friendly platform.

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *VRI TOKEN* , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

Finally thanks for the update! I'm trying to hold a million dollars worth of *VRI TOKEN* . Oddly enough it's a sleeper for some weird reason that not many KZfaqrs talk about in regards to lnvesting. It has had steady growth since its release.

Sir your money doesn’t go to one one person … it goes to many and not all of them will default at the same time. So the loss controlled . Please give complete information

P2P can do 2 things. They can attract customers for fixed deposit for 12 to 13 % Secondly they can reduce the rate of return from 12 to 10% as 10% is also a attractive rate of return . And one more thing they can do .. I.e the minimum withdrawal period should be 3 months at least .

9/10 thori or details bolna chahiye tha Mera ek doubt hai👇👇👇 Mera ek dost mujha kaha ek company hai jo 1 month ka 8% yani annually 96% ka interest da Raha hai hamare dea hua paise ko 10 logoka ek masters team bathake trede karte hai Kahi teachers inse Amir hea ha o bolta ha Pahale tho 12 % monthly data tha yea kaha Raha hai Or yea bhi bola ki Paisa remate account se aramse nikala ja sakta hai agar dubneka bhanak lagi toh 2 sal se yea chal Raha hai .... Ea sa oh kaha Raha tha Ek or friend ka uncle bol Raha tha ki oh 65 days main paise ko bobble kea hain ek company se Please tell me making a video in this topic kea main in sab main invest kar sakta hoon???????

With almost 60 years of age I kept my doubts on the current environment. But *VRI TOKEN* is seriously smart, it doesn't matter how old you are, this will provide for you and your family which is my only goal in the last years I have to make sure the children are fine

You r a genuin person,pushker raj thakur same video banaye the but unhone ye chees bataya nehi

Hey pranjal I love your videos

Awesome ...nice informative video

The best way to get huge returns is building businesses. No shortcuts. Nothing can beat the returns that a business can produce. :) It's also risky but you have more control here and you gotta put in time, effort and money. At the same time, you have a bigger upside. But, you must have knowledge before you start any business!

9 out 10 .. Mai Bach gaya Mai invest krne ki soch raha Tha thank you sir 🙏

Sir i have invested my emergency fund at 9% interest with flexibility of withdrawal at any time in ET money. But now, it feels like it is very risky and I am withdrawing immediately. Thank you. 🙏🏻

Stock market me ye kya risk Kam Hain... isme b bahuth zyada risk hain....I lost more than 2 lakh rupees in the stock market...from last one year i have earned money because of this 12% club... So I'm happy to invest in CLUB 12%

I get such GREAT service every time I go to the *VRI TOKEN* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

Maine ye dekh ke withdrawal karliya, mera paisa bohut keemti ha risk se, thank

Aaj first aaye hai hum.. 😂

Ap jaysa Gadho keliya India will never grow.. Indian Bank's will never invest in startups and jadya startups wala idhar udhar loan leta hai..

Thank you for being there *VRI TOKEN* when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.

Bharatpe loan daily deduct karate hai aur monthly 2-3% dikhate hai but real me 40-70% annual interest rate padta hai I calculated by “loan Calculator with daily payment “.

12℅ club se ab ek sath log withdraw karenge😂

Happy to see some greens again. The last few days have restored my faith in crypto and made me believe we aren't down and out yet. Already started making some of the significant buys I've been planning for sometime now. Over the last few hours I've bought myself a good amount of *VRI TOKEN* , one of the tokens I'm really bullish on. because of it's potential and high utility.

After the Etherem ecosystem, *VRI TOKEN* is the best ecosystem available on the market and most people don't understand this yet, I believe due to lack of marketing. Thank you so much for bringing us this kind of content!

He is the only person who gives honest review whereas pushkar raj thakur just focus on advertising these stupid apps 😠

Bahut achi information sir ekdam real information batayi h sir thanks

10/10 very informative video. Thank you Sir.

100/10 ...mere bahut sare doubts clear kiye ....Thanks for saving us

10/10 Rating you save over money 💰 after this video many p2p landers uninstall there p2p apps

Thank you so much sir, I was about to invest in 12% club, but I was not able to find any good update from people like you so I was holding on. Can you make these videos on other apps like - SustVest and GrowPital, I want to know how safe are they and can you make people more aware by them.

Very nicely explained....thanks for your feedback...10 out of 10 for your way of representstion and content

Well explained sir.❤ Love the way you teach everything. 10/10 full rating🙏

Good evening sir. Very well explained about p2p. Thanks for sharing such a useful video. God bless you always. Sir which is safest investment instead of FD. Please reply

I have just withdrawn my savings to bank account with this video

Bahoot bahoot dhanyawad sir 🙏🙏 10/10

Was just going to download 12%c and this video popped up. Saved me

Thank you sir mai bhe mobikiwick k 12% xtra mai invest karne wala aur maira man Maan he nahi raha tha fd mai invest karne k liye baar baar man mobikiwick k taraf attract ho raha finally right time par aap k eis video nai mujhe right decign lene ki sahi disha mil gayi thank you so much for making this video

You are one of those person whose advice i follow seriously.

Can't deny the fact that *VRI TOKEN* has the strongest bet to bring lights back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good but the pressure is too high and I think they will keep proper liquidity rather than these others. Don't see them going bankrupt any time soon.

When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss *VRI TOKEN*

Super hyped for *VRI TOKEN* , a L3 DEX with native swaps between BTC, ETH, USDT, etc. (No more wrapped IOU's and massive gas fees)They use lightning and connext state channels which allow for zero gas fees, fast finality, and increased privacy. Main net coming supposedly soon, easy 100x.

I had invested some amount in 12pc, and I was getting 10% returns. But I am not expert as PK so withdrew all of it I willinvest in bluechip stocks instead. Thank you 😊

Sir I started last 15th month Till time my portfolio 8% profit Thanks to you ❤❤❤❤

I have been an investor of 12% club for 1 year, I didn't faced any problem, got withdrawal easily but there was fear every time in mind, I exited from the app after earning good amt of interest.

I would rate 9/10 just to keep 1 point for there is always something more thing. As always loved your videos

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month,It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Graham, fyi my emergency fund is also a done deal! by *VRI TOKEN* lol, i didn't made it myself

10/10 How can cut even a point., U r the best financial advisor bro.

Aapke videos muze kuch aise feel hote hai jaise mera bada bhai muze kandhe par hath rakh kar samja raha hai 10/10

between the two, I think I would still support *VRI TOKEN* : technically speaking, years ahead of the competitors,Brand power, easy development, flexible with source languages, quick tx...

Pranjal's Videos are always 10/10 . No doubt about it. Thanks for guiding us on investments.