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Please share your experience with 12% club and Mobikwik Xtra p2p apps

I invested some amt and it was saying that I will start earning from 21 and now it is saying I will start earning from 22
 
Do these earrings reported in AIS?
I am not sure but as per rule, you will be taxed for P2p earnings on the basis of your income tax slab. In my case I voluntarily disclose these earnings during tax filing but even if I don't do, I am pretty sure these things are autotracked as before opening mobkiwk Xtra account, you give your PAN. So nothing is ideally hidden😊
 
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