RUclips 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👏🏻👏🏻👏🏻
5 lakhs is not a small amount.. stability doesn't mean ke ap sab kuch bank me hi invest kar do,but its rather keep a safe amount that can give you a decent return also can any time be withdrawable in case of any emergency so that you don't have to take out your investment from MF,Stocks or any other investment at a loss making position.. More over Indian economy ak growing economy hai, yaha banks like SBI, PNB, BOB, HDFC these are too big to fail, there are barely any chance that these gaints will fail because agar ye gira pura Indian economy hi girega toh phir kaha ka stock aur kaha ka MF apko bachayega.. so ye jo log 1-2% zada ke lalach me scheduled banks ke alawa paisa rakhte hai inhi ka thora bohot chances raheta hai default hone ka..magar phir v dubega nahi kyun ki RBI hai it will revive anyway.. So my point was its always better to invest some secure amount of your savings in a reputed scheduled commercial bank, rest amount in any other mode which are regularised by a GOv body such as RBI, SEBI etc. Aur ye 12-15% ke chakkar me non regularised cheezon me invest kar ke 5 lakh to kya ak 1 rupayee v milna is uncertain..
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.
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!
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
2 log h jinhe mai unke intial phase se follow kr rha hu RUclips 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😊
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*
@@jinagaanantrao7677Pl explain one point. What did his course promise prior to enrolment & what did it deliver ? Did u get any skill or was ur fee wasted ?
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
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..
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
Bhai bank do scoutny before paying let take on ourself if we need to pay to Stanger want we see security part same with the bank... bank give customer guarantee of capital and interest where as p2p don't guarantee capital or interest. Major difference
Not a single word about cred mint in the video or in the comments. Would have loved to hear about it as well. Given the borrowers here are better off (credit score >= 750)
@@pranjalkamracan you please also cover your thought process for tradecred, kredx platforms? Are they really safe ? Can you share detailed video for this
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
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 “.
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
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.
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?
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
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
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.
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.
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.
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
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.
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."
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.
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
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.
Exactly, CRED MINT seems to be pretty safe for P2P. Around 8.5% distributed among 200 good cibil scorers. I don’t think that they are poor people that the bank refuses. If so, why is their credit rating good? Hassle free payment is something you would look for if its an urgent money need & I think that’s why they don’t approach banks in the first place.
@@debmukherjee8212 Bhai bakwas hai to koi reason bta na jo teri bat ko justify kare pehle khud jagle bina koi valid reason ke gyan Mt de aur itna hi he to us app me jakar invest krde jyada Gyan Mt bat
Bhai mera kama tha bolna, 10 sal bad tum kaha aur pranjal kamra kaha, kuhud dekh lena, main e bola invest khud padai karke koro kisi ki baat pe mat koro
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 .
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
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???????
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. 🙏🏻
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.
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%
In edition to that, you've to devote atleast 2-3hrs a day to find Swing Trades on regular basis and still there's 50% probability of earning money, whereas in P2P you've to just deposit your money and you can continue your Primary task without any disturbance.
You are one of the most sophisticated and brilliant RUclipsr/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
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 RUclipsrs talk about in regards to lnvesting. It has had steady growth since its release.
It is not necessarily true that the person who is coming to borrow on these apps are rejected by banks. The process of borrowing through these apps are easier and that's why they are coming to these apps.
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.
You have not discussed the risk management system obtained by the p2p lending platforms. NPA rating & loan to people with higher creadit worthy score etc. are some risk minimising steps taken by them are not compared.
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!
He pointed that these lending platforms gets the worst customer bcz they are already rejected by the banks, it’s not completely true bcz banks takes way long process to approve the loan so even good credit score customers who can get the loan but don’t want to wait long time for approval they easily shift to the p2p apps n get the loan.
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
Bina dekhe like mara because I know that in will be insightfull meinei bhi 2 years pehle install Karke invest karnei kei liye baki tha but gut feeling doesn't allowed me later I surveyed and I understood that P2P is risky so I didn't invested... But but but I am waiting to hear from relevant influencer aur 2 years baad koyi good admi ne toh bola....
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
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 😊
Thank you sir i watched video earn daily 12% intereste video but i am not trust on that RUclipsr but i am trust on you so i wached your video and i got my answer ❤
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!
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...
I have put a substantial amount in cred and mobikwik but can not continue after watching your video. Wish I had not seen this video😅. Need to pull that money back asap.
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
RUclips 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👏🏻👏🏻👏🏻
Stability not more than 5 lakh.. More than Rs 5 Lakh is always at a risk with any bank.. Eg: Yes Bank. Bacha liye govt ne. warna khel khatam.
5 lakhs is not a small amount.. stability doesn't mean ke ap sab kuch bank me hi invest kar do,but its rather keep a safe amount that can give you a decent return also can any time be withdrawable in case of any emergency so that you don't have to take out your investment from MF,Stocks or any other investment at a loss making position..
More over Indian economy ak growing economy hai, yaha banks like SBI, PNB, BOB, HDFC these are too big to fail, there are barely any chance that these gaints will fail because agar ye gira pura Indian economy hi girega toh phir kaha ka stock aur kaha ka MF apko bachayega.. so ye jo log 1-2% zada ke lalach me scheduled banks ke alawa paisa rakhte hai inhi ka thora bohot chances raheta hai default hone ka..magar phir v dubega nahi kyun ki RBI hai it will revive anyway..
So my point was its always better to invest some secure amount of your savings in a reputed scheduled commercial bank, rest amount in any other mode which are regularised by a GOv body such as RBI, SEBI etc. Aur ye 12-15% ke chakkar me non regularised cheezon me invest kar ke 5 lakh to kya ak 1 rupayee v milna is uncertain..
@@vamankinimaroli9608post office scemes are best MIS
@@vamankinimaroli9608BONDS
@@Banker_bunny May or maynot be.. everything varies from person to person choices
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.
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.
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!
🙏🏼🙏🏼
@@pranjalkamra for this Video 8/10 ..
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
You are right 👍
2 log h jinhe mai unke intial phase se follow kr rha hu RUclips 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😊
BB?
@@anant.shanbhag bb ki vines
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*
10/10 boss... You are my single source for financial decisions. Appreciate your support 👍🏼
Katega
As you think he is also not that genuine. He also sells courses which are useless. I am one of his customer
@@jinagaanantrao7677Pl explain one point. What did his course promise prior to enrolment & what did it deliver ? Did u get any skill or was ur fee wasted ?
I know you're one of his staff .
@@gpaulatheist grow up buddy... Ur assumptions and ur perspective 👍🏼👍🏼👍🏼
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
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..
Interesting analysis. Thanks.
There is no free lunch, especially in lending.
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.
Earlier it was very same day withdrawal and now they moved to 2 working days withdrawal. 12% club
I got a loss in mutual funds. But i have been getting constant return in the p2p lending
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
Ocen is the solution
when bank don't give loans, they think and analyze a lot only after that they decide...P2P r just randomly giving out money to anyone
Bhai bank do scoutny before paying let take on ourself if we need to pay to Stanger want we see security part same with the bank... bank give customer guarantee of capital and interest where as p2p don't guarantee capital or interest. Major difference
Not a single word about cred mint in the video or in the comments.
Would have loved to hear about it as well. Given the borrowers here are better off (credit score >= 750)
Same bro even I have invested more than 1 lakh and getting 9% dividend by 12 dividend by daily amount
No one gives fixed returns, everything comes with risk.
Agreed
But you should take calculated risks not a bet or something...
But no point in taking risk if more returns can be achieved by taking similar risks in other instruments
@@pranjalkamracan you please also cover your thought process for tradecred, kredx platforms? Are they really safe ? Can you share detailed video for this
What about FD which is insured?
EPF,PPF,SSY?
Is there a risk of losing money in these schemes?
Applaud for such great content, very hard to go against brands, company tricks..
Hats off
10 out of 10 sir you saved me from 12 % club..from going greedy just for 4% Thank you sir
How are you getting 8%
@@himanshuaggarwal1076 bank Fds upto 7 per cent
@@himanshuaggarwal1076FDs are giving 8% now a days.
Right
I saved my friend 's hard earned money thanks you
10/10 ❤❤❤ Thanks for giving me knowledge sir
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
I agree
True
Yes it makes sense
Being a banker i can say you have done a great research on this topic
Kyu bhai target fulfill nhi ho rha kya😄
Fake bataya ye mat suno 24 intrest me ye loan dete he 12 hmm ko dete he
Truly Unbiased Review as always, Sir. 10/10.
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 “.
Pranjal your videos are just awesome...loaded with tons of information...great work.
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
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.
Are u sure that is regulated by RBI
P2P is not covered by RBI or DGCDC Insurance upto 5 lakhs
10/10 thank you for making such videos on a regular basis and making us more aware.
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?
Thanks very much Sir! Logon ko chuna lagane ka 'Dhanda' hai p2p..
Thanks for saying the Truth as usual 🙏
10 star as always , why does RBI allow such applications if it is that risky ?
RBI allows this risky business for allowing multiple credit facilities available for businesses and individuals.
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
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
Also most of these platforms give small amount of loan with small period it is not necessarily those who can't take bank loans
yes exactly
I've been investing since one year in 12%club. Till now i'm getting 12% interest and not facing any issue.
Are u still receiving it?
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.
I took ur suggestion. Worked on it. Do check the new video tonight
❤️
@@pranjalkamra Just watched it. Its great. Appreciate the illustrations and graphics.
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.
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.
Maine ye dekh ke withdrawal karliya, mera paisa bohut keemti ha risk se, thank
Always 10/10 for your genuine content 😊
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
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.
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."
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.
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
Much love brother, fan of your perspective about investments
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 ❤️😊
Sach me
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.
Exactly, CRED MINT seems to be pretty safe for P2P.
Around 8.5% distributed among 200 good cibil scorers.
I don’t think that they are poor people that the bank refuses. If so, why is their credit rating good?
Hassle free payment is something you would look for if its an urgent money need & I think that’s why they don’t approach banks in the first place.
Well explained
Thank you so much sir. I have invested Rs.80k in 12℅ club. I will withdraw everything just now.
10/10 Rating Sir You are always best in finance field 😊😊
Sab bakbas hai, real story kuch aur hai bhai. Jago india jago
@@debmukherjee8212 Bhai bakwas hai to koi reason bta na jo teri bat ko justify kare pehle khud jagle bina koi valid reason ke gyan Mt de aur itna hi he to us app me jakar invest krde jyada Gyan Mt bat
Bhai mera kama tha bolna, 10 sal bad tum kaha aur pranjal kamra kaha, kuhud dekh lena, main e bola invest khud padai karke koro kisi ki baat pe mat koro
@@debmukherjee8212 Abe to chutiye wo video investment ki thi bhi nhi awareness ke liye the 🤣🤣
Bahut achi information sir ekdam real information batayi h sir thanks
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 .
Bhai 12 percent club ne Aisa Kat Diya Hai , already It is giving 10 percent return only now
Was just going to download 12%c and this video popped up. Saved me
Hey pranjal I love your videos
10/10 very informative video. Thank you Sir.
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
With the consistent weekly profits I'm getting investing with her , there's no doubt she is the most reliable in the market. such a genius
INVESTWITHANYA
(her user name on)
TE
LE
GRAMS
Bilkul Bhai aap sahi bol rhe ho agar risk Lena hi hai to mutual fund best hai in P2P ke comparison me 😊
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???????
Haan please batayega
I too face that
@@postofficeofgds8160yes bro
@@koushiknandi3754app ko kisne bola tha ?
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. 🙏🏻
ET money is still a trustworthy and credible platform.. u can continue in it.. it has a good backing with knowledgeable team
I have invested in Cred. Is it safe or should I withdraw money
What instrument have you invested in that is giving you 9%? Is it a liquid fund?
ET Money, CRED and UniCard are backed by LiquiLoans. It is a registered company under RBI having a good reputation. Don't worry
@@RahulDeshmukhsame with 12%
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.
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%
In edition to that, you've to devote atleast 2-3hrs a day to find Swing Trades on regular basis and still there's 50% probability of earning money, whereas in P2P you've to just deposit your money and you can continue your Primary task without any disturbance.
OR B TO B KE BAREY ME KIYA REAY HE VO KITNA sef he inveting ke mamley mey
"isse mein bahat khus ho jayunga" 🤗🤗🤗... Love U Sir❤️❤️
Aaj first aaye hai hum.. 😂
Aapke videos muze kuch aise feel hote hai jaise mera bada bhai muze kandhe par hath rakh kar samja raha hai
10/10
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..
You are one of the most sophisticated and brilliant RUclipsr/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
10/10 Rating you save over money 💰 after this video many p2p landers uninstall there p2p apps
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 RUclipsrs talk about in regards to lnvesting. It has had steady growth since its release.
You are one of those person whose advice i follow seriously.
It is not necessarily true that the person who is coming to borrow on these apps are rejected by banks. The process of borrowing through these apps are easier and that's why they are coming to these apps.
100/10 ...mere bahut sare doubts clear kiye ....Thanks for saving us
I would rate 9/10 just to keep 1 point for there is always something more thing. As always loved your videos
Most satisfying part was Pranjal sir body language.
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.
You have not discussed the risk management system obtained by the p2p lending platforms. NPA rating & loan to people with higher creadit worthy score etc. are some risk minimising steps taken by them are not compared.
Finology subscription price seems quite high, please reduce it and I bet it will benefit you with scale.
Finally someone made video on 12% club
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!
You r a genuin person,pushker raj thakur same video banaye the but unhone ye chees bataya nehi
He pointed that these lending platforms gets the worst customer bcz they are already rejected by the banks, it’s not completely true bcz banks takes way long process to approve the loan so even good credit score customers who can get the loan but don’t want to wait long time for approval they easily shift to the p2p apps n get the loan.
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
Bina dekhe like mara because I know that in will be insightfull meinei bhi 2 years pehle install Karke invest karnei kei liye baki tha but gut feeling doesn't allowed me later I surveyed and I understood that P2P is risky so I didn't invested... But but but I am waiting to hear from relevant influencer aur 2 years baad koyi good admi ne toh bola....
10 out of 10 Excellent 👌👍
Very nicely explained....thanks for your feedback...10 out of 10 for your way of representstion and content
Bahoot bahoot dhanyawad sir 🙏🙏 10/10
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
10/10 How can cut even a point., U r the best financial advisor bro.
10/10 rated video sir 👍
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 😊
10 on 10 meh 5 lakh dalne ki soch rha tha inmeh...ab meh mutual fund meh dalunga..... Long term k liye
Bro very flawless explanation..
10 out of 10..
10/10 bahut aache se samjhaya apne thank you very much ❤️
Thank you sir i watched video earn daily 12% intereste video but i am not trust on that RUclipsr but i am trust on you so i wached your video and i got my answer ❤
*10/10 Rating Fully Agree With Your Video Explanation*
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!
10/10 my friend was keep saying that 12% club is good. but you save me also share video to my friend
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...
I have put a substantial amount in cred and mobikwik but can not continue after watching your video. Wish I had not seen this video😅. Need to pull that money back asap.
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
Thank you for your suggestion 😊😊