# Invest BharatPe: Gold & Silver — Digital Gold, Silver, MF & FDs > Digital investment platform for gold, silver, mutual funds, and fixed deposits. (iPhone/iPad app by RESILIENT INNOVATIONS PRIVATE LIMITED.) - Source: https://appshunter.io/ios/app/invest-bharatpe-gold-and-silver/id1575342062 (this page in markdown: same URL + `.md`) - Developer: [RESILIENT INNOVATIONS PRIVATE LIMITED](https://appshunter.io/developer/1548695300) - Category: Finance - Price: Free - Rating: 3.25/5 from 1,154 App Store ratings · 20 written reviews indexed - Age rating: 17+ - Requires: iOS 17 · 158 MB - Languages: American English, Hindi - Released: 2021-07-22 - Data updated: 2026-09-12 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/invest-bharatpe-gold-and-silver/id1575342062/reviews.md ## What is Invest BharatPe? ​​​Invest BharatPe - A Simple Way to Turn Daily Savings Into Long-Term Wealth. Invest BharatPe makes digital investment simple and secure for every Indian. Grow wealth through trusted gold & silver investment, Mutual funds and high-interest fixed deposits backed by RBI-approved partners. Why Invest BharatPe is Your Trusted Investment Partner ● Regulated Investment Partners: RBI-regulated Banks & NBFCs (FDs) & SEBI-regulated Mutual Funds (AMFI-guided) ● Trusted Gold & Silver Partner: SafeGold offers 24K, 99.5% pure hallmarked digital gold and 999 pure digital silver ● Secure Platform: Bank-grade security and encryption for financial data ● No Hidden Charges: Transparent pricing with zero fees on gold & silver transactions or withdrawals ● Instant Withdrawals: Gold & silver investment, Mutual Fund or FD proceeds credited to your bank account ● Easy Tracking & Updates: See your investment portfolio with live gold & silver rates, FD interest rates, and projected returns Start Your Gold & Silver Investment Journey ● Live Prices: Track real-time gold & silver rates and price movements ● Secure 24K Digital Gold & Silver Investment: Invest in 24K digital gold & silver that's hallmarked, BIS-certified, and safely stored in insured vaults through SafeGold. ● Start With ₹10: Begin your gold or silver investment journey with small, affordable amounts ● Gold & Silver SIP: Automate savings with daily, weekly, or monthly SIP plans ● Portfolio Tracker: Monitor your gold & silver investments online and track your portfolio ● Flexible Redemption: Withdraw anytime with instant withdrawals or convert to gold/silver coins High Interest Fixed Deposits ● Explore FD Options: Compare FD rates from RBI-approved banks and NBFCs and pick trusted partners with attractive FD interest rates ● FD Booking: Book your fixed deposit online with a quick paperless flow ● Track & Manage FD: Monitor FD performance, maturity dates, and returns in one portfolio ● Flexible Tenures & High Interest FD: Access high-interest FD options with flexible tenures ● Secure & Insured: All bank FDs are covered under DICGC Insurance (₹5 lakhs as per RBI guidelines) ● Invest Across These FD Options: Tax Saver FD plans for tax-saving advantages and senior citizen FD options with higher partner-bank rates ● Easy Withdrawal Options: Track growth and use flexible redemption Mutual Funds Investment Invest in mutual funds with top mutual funds app features, diversified investments, SIP options, and complete tracking. ● Ways to Invest: Goal-based, basket-based, or popular mutual fund options ● Mutual Funds SIP: Start mutual fund SIP investments with flexible plans ● Track All Your Mutual Funds: Built-in mutual fund tracker for portfolio performance ● Manage Every Mutual Fund Investment: All mutual funds in one place ● Withdrawal: Redeem anytime with in-app withdrawal How to Start Investing with Invest BharatPe (Formerly 12% club) ● Download the Invest BharatPe app and complete your KYC ● Browse gold & silver investment plans, FD and MF options ● Begin with ₹10 in digital gold or silver, choose FD amount and tenure or choose a flexible SIP Mutual Fund Plan ● Pay via UPI/net banking and track returns, gold & silver savings and FD maturity in one dashboard Supported By Trusted Partners ● Regulated institutions like Suryoday Small Finance Bank, Shriram Finance, Unity Small Finance Bank, and Bajaj Finance Limited support FD services. ● Mutual fund investments include popular schemes such as ICICI Prudential Large Cap Fund, DSP Large & Mid Cap Fund, HDFC Nifty 50 Index Fund, Nippon India Growth Mid Cap Fund, and Axis Liquid Fund. Your Wealth, Your Goals, Your Growth Start building your wealth today. Download Invest BharatPe and take the first step toward your financial goals with mutual fund investments, gold & silver online, and high-interest fixed deposits - all in one place to track and manage your long-term wealth. ## Key features - Digital gold and silver investment - Mutual fund investments - High-interest fixed deposits - Regulated investment partners - Bank-grade security - Instant withdrawals - Portfolio tracking ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/invest-bharatpe-gold-and-silver/id1575342062/reviews.md ### 1/5 — Fraud app *2025-12-05* I invested my hard-earned money in the 12% Club product through the BharatPe Invest app, trusting the promises of safe, flexible, and high-return investments. For a while, everything seemed fine. But now, without any prior notice, the entire 12% Club option has disappeared from the app — I can no longer track, manage, or withdraw my investment. There was no notification, no warning, no communication from the company regarding this major change. I searched the app thoroughly, reinstalled it, and even checked for updates — but the option is simply gone. I have also tried contacting customer support, but there is no clear response or resolution so far. This kind of behavior from a financial service provider is unacceptable and deeply concerning. As a customer, I feel anxious and betrayed, with no transparency about the status of my funds. At the very least, BharatPe owes its users proper communication, clarity, and immediate access to their investments. If you are considering investing through this app, please be cautious. Lack of transparency and poor customer support make this a risky platform for financial products. I urge the company to resolve this issue promptly and restore users’ trust before it escalates further. **Developer response:** Hi Aishafarooqe, this is certainly not the kind of experience we'd like you to have. Kindly share your concern by writing to us an email at 'support.invest@bharatpe.com', including the subject line mentioned as 'Social Media Issue-registered mobile number'. ### 5/5 — These people are thieves *2025-06-24* This app stopped working on my phone andwould just display a blank screen every time i opened it. I sent over one month of emails, and messages on Instagram and they just said be patient, be patient. My investments are lying with this company and I have no access to them. They have no phone number to call on and their grievance redress is no existent. Do not download this app under any circumstances it’s the same as burning your money **Developer response:** Hi, it is equally unfortunate for us to see you have this kind of experience. We will surely get this checked. Please drop us an email over 'customer.support@bharatpe.com' so that we can assist you accordingly. ### 3/5 — Bug *2025-06-20* I have been trying your app for last 15 min but it just showing loading screen no error message no UI i wanted to check the amount which I invested but not finding a way to check. I have uninstalled and installed the app again login worked properly when after navigating to homescreen i knly seeing loading animation no Ui **Developer response:** Hi, it is equally unfortunate for us to see you have this kind of experience. We will surely get this checked. Please drop us an email over 'customer.support@bharatpe.com' so that we can assist you accordingly. ### 1/5 — Not able to withdraw Monay *2025-05-23* I have deposited an amount without any lock in at the lowest revised interest rates (9.5%). I have been trying to withdraw the interest amount and then also tried withdrawal of the principal amount. now the reply is that the withdrawal could not be processed due to error at their banking partner's end. I have even raised concern with the support team over mail. It's been 25 days and no action. It is definitely what it used to be. Lack of transparency no customer care, and too many issues with the app. ### 5/5 — RBI regulations affected the ratings, but the company remains genuine. *2025-03-23* After four years of investing ₹10 lakhs with the 12% Club, I can confidently affirm the platform’s legitimacy. Though my funds were held up for two months, they continued to accrue interest, and the disbursement was completed in two phases. For those concerned about fund security—there’s no cause for worry. Even in the event of delays, every rupee is returned. Kudos to the team for their integrity and transparency! **Developer response:** Hi Ruchit, thank you so much for your lovely words of appreciation. We are overjoyed to hear that you liked our services. Keep using. Have a nice day ahead! ### 1/5 — Not returning my money from around 1 month. (Never invest on this platform, you will lose it) *2025-02-15* I had invested in 12 % club, around 2 years back. Now when I need my money back, I put a request to return. While there application is showing transaction pending since last 3 weeks. I have tried to reach out them over mail as there is no other way to contact. And No one actually replies from there team, you will get auto replies that’s it. So it looks like looting money by just marketing. After many continuous emails, few days back I received a mail that, they are unable pay on my current account, so I have to change the account number in the application. Even though my banking services are working fine, I have provided them updated bank details. Now I am again waiting like a fool, hoping someday I will get the money. ### 1/5 — Beware! Money stuck *2025-01-16* Don’t invest in this app. My withdrawal request is stuck for 1.5 months now. First of all, all customer care numbers of their website don’t work, you can try. Secondly, they don’t reply to mail for weeks. Finally when replied they said my bank account is not working (which was completely false as I checked by sending money to it via IMPS from some other source). They asked me to change my account but guess what - when I tried to give my brother’s account number they are not accepting that. Now only way for me is to create a new bank account for them to transfer money there. Worst! Dont recommend investing in this. Worst possible customer service! ### 1/5 — Unnecessary harassment and no resolutions to the concerns *2024-12-13* The company is harassing its customers as they made mistake by trusting them. I deposited ₹1,00,000 of my hard-earned money into their app, and one day without any prior information, they initiated a withdrawal request from my account. However, even after more than two weeks now, the amount has not been credited to my bank account neither it is reflecting in bahatpe account it is just showing under transaction is under process. I have no idea where the money has gone, and the only way to contact BharatPe is through email, which only generates automated responses without any resolution. This leaves me with no choice but to file a complaint in the consumer court and report this as cyber fraud. ### 1/5 — Incompetent services *2024-11-13* I had invested an amount in 12% club, which was the app’s previous name and it was due to mature 1.5 months back. I can not withdraw my funds due to some “technical glitch” as per the call I received and I’ve been listening to the same story on every call that the complaint has been escalated to relevant department and it is being treated on priority. Btw, priority=more than 1.5 months. No phone number to contact them. When I email, they close my ticket within a few hours. Utterly poor service and would definitely ask anyone of you who’s looking at this review to DO NOT USE THIS APPLICATION or you funds will be BLOCKED and you won’t be able to get ANY HELP from them. ### 1/5 — Returns have decreased *2023-10-26* I’ve been using this app over a year now. Was really happy with it and so I had refrained from using any other apps that give 12%+ returns too as I trusted the 12% club. Offlate I realised I wasn’t getting 12% return but a fraction less. So I decided to withdraw and move some of it to other apps. To make matters worse the new update has brought the returns down further. Hate it. It should no longer be called 12% club. But more like may be just above 8% club or something. Uninstalling this for now. ## Frequently asked questions about Invest BharatPe ### What is Invest BharatPe? Invest BharatPe is a digital investment platform that allows users to invest in gold, silver, mutual funds, and fixed deposits. It aims to make wealth creation simple and secure for Indian users. ### Is Invest BharatPe secure? Yes, Invest BharatPe uses bank-grade security and encryption to protect financial data. It partners with RBI-regulated banks and NBFCs for FDs and SEBI-regulated entities for mutual funds. ### Can I start investing with a small amount on Invest BharatPe? Yes, you can begin your gold or silver investment journey with as little as ₹10. This makes it accessible for users to start saving and investing small amounts regularly. ### How quickly can I withdraw my investments from Invest BharatPe? Invest BharatPe offers instant withdrawals for gold, silver, mutual fund, or FD proceeds. These funds are typically credited directly to your bank account. ### What types of investments are available on Invest BharatPe? Invest BharatPe offers investments in digital gold and silver, mutual funds, and high-interest fixed deposits. You can also explore tax-saving FDs and options for senior citizens. ### Does Invest BharatPe have ads? Based on the provided data, Invest BharatPe does not contain advertisements, allowing for an uninterrupted user experience. ### What is the rating of Invest BharatPe? Invest BharatPe has a rating of 3.2 stars based on 1,154 ratings. This indicates a mixed user reception. ### On which devices can I use Invest BharatPe? Invest BharatPe is currently supported on iPhone devices. It is not yet available for Android or other platforms. ## Version history (last 5 releases) ### 1.4.3 — 2026-09-02 New features and a better experience are here! We’ve rolled out improvements across the app to make it smoother, faster, and easier to use. Check it out now. ### 1.4.2 — 2026-08-19 New features and a better experience are here! We’ve rolled out improvements across the app to make it smoother, faster, and easier to use. Check it out now. ### 1.4.1 — 2026-08-07 New features and a better experience are here! We’ve rolled out improvements across the app to make it smoother, faster, and easier to use. Check it out now. ### 1.4.0 — 2026-07-17 New features and a better experience are here! We’ve rolled out improvements across the app to make it smoother, faster, and easier to use. Check it out now. ### 1.3.9 — 2026-07-13 New features and a better experience are here! We’ve rolled out improvements across the app to make it smoother, faster, and easier to use. Check it out now. ## More apps by RESILIENT INNOVATIONS PRIVATE LIMITED - [BharatPe for Business](https://appshunter.io/ios/app/bharatpe-for-business/id1329385873) - [BharatPe UPI Payment, Loan App](https://appshunter.io/ios/app/bharatpe-upi-payment-loan-app/id1586002156) All apps by RESILIENT INNOVATIONS PRIVATE LIMITED: https://appshunter.io/developer/1548695300 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*