12Karat Fixed-Term Investment Plan

Shorter investment period, higher returns annually.

Grow your wealth while maintaining liquidity with the 12K Fixed-Term Investment Plan. Our 3-month investment plan is meticulously designed to provide attractive returns and unparalleled flexibility. Ideal for those seeking higher interest rates within a shorter investment tenure, this short-term investment plan ensures you make the most of your financial opportunities.

Why is 12K perfect for you?

Earn Up to

12% p.a.

Watch your investments grow steadily at a remarkable 12% p.a., reaching your financial goals faster and maximizing opportunities.

Investment Tenure:

3 Months

Enjoy short-term investing with a 3-month tenure. Grow wealth, stay liquid, and seize financial success.

Still looking for reasons to invest? We have many!

Start with ₹500

You can start with a minimum investment of ₹500. And there’s no upper limit!

Auto Roll Over

Seamlessly reinvest your money after 3 months by opting for automatic rollover.


Enjoy Tax Advantages on your withdrawals as there will be no TDS cuts!

No Investment Fee

There are no hidden charges or investment fees, your investment is completely transparent.

ZERO Charges

We believe in transparency, so you won't incur any charges for depositing or withdrawing your funds.

Instant Bank Deposit

Get your money deposited in your bank instantly at maturity, without any unnecessary delays.

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Easily Calculate Your Returns Like A Pro

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What is the 13karat 12% Investment Plan (3 Months)?

13Karat’s 12% Investment Plan is a great way to grow your money quickly. Here’s how it works: you invest your funds for just three months, and at the end of this period, you earn returns of up to 12% per annum. It’s a short-term plan and hence, you do not have to lock away your money for too long. This short term investment plan is ideal if you wish to see quick returns and keep your money accessible. It also makes for a smart choice for anyone looking to boost their savings without a long-term commitment while maintaining liquidity.

What Are the Benefits of the 13karat 12% Investment Plan

The 12% Investment Plan offered by 13Karat has numerous benefits. Here are some important ones to look at:

  • High Returns: Earn up to 12% per annum, which is higher than typical savings accounts.
  • Short Tenure: You have to invest for just three months to get quick returns.
  • Low Minimum Investment: You can start your investment journey with 13Karat with as little as ₹500.
  • No Hidden Fees: The investment is transparent with no charges for deposits or withdrawals.
  • Easy Bank Deposit: We take 2-3 business days to process the withdrawal, depending on whether it is a normal or premature withdrawal.

Note – Premature withdrawal attracts a facilitation fee.

Importance of Investing in a 12% Investment Plan

Picking the right investment plan is key to reaching your financial goals quickly and smoothly. The best plans give you good returns with low risk and plenty of flexibility. With an ideal plan like 13Karat’s 12% Investment Plan, your money would grow faster, which in turn, can help you achieve your financial freedom sooner. This means you can easily save for a house, pursue your dreams, or enjoy a comfortable retirement.

Documentation Needed for Investing in the 12% Investment Plan

Before you start investing with 13Karat’s 12% Investment Plan, here is the list of documents you would need to upload:

  • Identification Proof: Aadhar card, PAN card, or passport
  • Address Proof: Utility bill, rental agreement, or bank statement
  • Bank Details: For the deposit and withdrawal of funds
  • PAN Card: For tax purposes

Step-by-Step Guide: How to Start Investing with 13karat’s 12 Percent Plan

  • Step 1: Download the 13Karat AppYou need to have the 13Karat app on your phone before you start investing. The app is available on both Google Playstore and App Store.
  • Step 2: Sign UpNow, Create an account on the app.
  • Step 3: Fill Out the FormComplete the application form with your personal and bank details.
  • Step 4: Upload DocumentsSubmit your ID proof, PAN card, and other required documents
  • Step 5: Deposit the Investment AmountTransfer the amount you wish to invest.
  • Step 6: Confirm InvestmentReview your details and confirm your investment.
  • Step 7: Monitor InvestmentTrack your investment growth through your account

Experience the benefits of short-term
investing with 12K!

Want even higher returns?
Check out 13Karat Plan

Tera FAQ's

What are the reasons to choose the 13Karat 3-month Investment Plan?

  • You can earn up to 12% per annum with this investment plan.
  • Invest your money only for a 3-month period to get returns.
  • Even if you are low on finances, you can invest in the investment plan with just ₹500.
  • You can easily reinvest or withdraw funds.
  • The process is transparent and simple to understand.

How does the 12 percent interest rate plan offered by 13Karat work?

You first invest your money for a fixed term of three months and earn up to 12% per annum. At the end of the term, you can either withdraw your funds or opt for an automatic rollover to continue earning.

What is the risk of investing in P2P?

The major risk associated with investing in P2P, whether it is long-term or short-term peer-to-peer lending, is that borrowers may fail to repay the loans, which in turn, would result in losses for lenders. As there are no banks involved, the protection from regulations is also considered less. That’s the reason lenders often consider all these risks before signing up with a P2P platform.

Can I withdraw my investment before the end of the three-month period?

Your investment in the 12% investment plan is locked in for a period of one month. Hence, you can only withdraw the investment after you stay invested for at least a month. Also, it is recommended to commit to the fixed term if you wish to earn good returns.

What are the benefits of P2P investment for investors?

The major benefits of P2P investment include the diversification of portfolio, passive income, and great returns. Unlike traditional savings accounts, P2P investing offers higher returns. With this, investors can minimise their risks and stabilise their portfolios.

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