Is it safe to stay in a 12% club? I’ve been taking out profits since last one year and everything is pretty smooth!
I’m no financial expert, Heres my 2 cents.
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Don’t look at what returns you are making, look at how the returns are made and how much is the third party making. That’s what gives you money flow info
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Think about who’s borrowing money at such high interest. If they are non credit worthy or low CIBIL scorers, then tier 1 and 2 banks would have flagged them as high risk. Question is do you want to take such high risk
Alternately, if you can take a risk of 2.5 lakh, why don’t you explore equity direct investment or etf investment (after studying and paper trade etc)… give yourself 6 months to learn and then explore. If you can make money (which I’m very sure of as the 12% club returns is meagre), then you’ve learnt a trade for life and can slowly move towards that.
Again, like most knowledgeable people have given advice, mine is a suggestion. End of the day you have to make the decision.
Also the founder of 12% club has spoken about it already. i assume we all here know less than him?
Originally, I received a 12% interest rate, but now, my interest rate has decreased to less than 12%.
I reached out to customer care, they told me that the interest rate is not fixed at 12%, rather it is up to 12%, and there is no assurance that I will receive 12% every day. this is so unfair! 
Has anyone else faced a similar issue?