In recent years, online gaming and “earn‑money” apps like 91 Club Login have exploded in popularity especially among young users in Pakistan and India looking to win cash through mobile skill‑based games. But popularity hasn’t meant legal acceptance. With evolving laws and enforcement actions around digital gambling and real‑money gaming, a key question for anyone considering 91 Club is:
Is 91 Club actually legal in Pakistan and India or could you be breaking laws by using it?
To answer that fully, we need to look at each country’s legal framework, recent legislative developments, and the risks associated with using such platforms.
What Is 91 Club?
91 Club is marketed as a real‑money gaming app where users can play prediction and casino‑style games, often involving color prediction, cards, or other formats. The app (usually distributed as an APK, not from Google Play or the Apple App Store) promises bonuses, referral income, and real cash withdrawals via UPI or other payment systems.
However, several independent analyses and reviews raise concerns about its legal standing and authenticity — with some classifying it as a gambling or “colour trading” platform rather than a genuine skill‑based gaming service.
Legal Status in India
1. Historic Legal Framework
Under traditional Indian law, gambling is regulated primarily by the Public Gambling Act of 1867, a colonial‑era statute that prohibits running or being involved in gambling activities. However, the distinction between games of skill (e.g., fantasy sports historically) and games of chance has often determined legality: games predominantly based on skill used to be considered legal in many states, while pure gambling was not. This led to platforms like fantasy sports being treated as skill‑based and allowed in various jurisdictions.
2. The Online Gaming Bill / Act 2025 — A Major Shift
In 2025, India’s Parliament passed a watershed law known as the Promotion and Regulation of Online Gaming Act, 2025 — aiming to overhaul how online gaming is regulated nationwide. The key takeaway:
- The Act bans nearly all forms of real‑money online games, regardless of whether they rely on skill, chance, or both.
- It makes offering, facilitating, or advertising online money games illegal.
- It also prohibits financial transactions and promotions tied to such games.
This means that any app where users deposit money and expect monetary enrichment from gameplay — including platforms like 91 Club if used for real‑money gaming — is likely unlawful under the new Indian statute once fully enforced. The law empowers authorities to take action and penalize operators and promoters of real‑money gaming services.
3. Enforcement & Industry Impact
Even before full enforcement, major real‑money gaming platforms like Dream11 and MPL began winding down their money‑based operations after the law passed due to compliance obligations.
The government has also indicated that online gaming involving monetary stakes is treated similarly to gambling for taxation and enforcement, with penalties including fines and potential imprisonment for violations.
4. Legal Grey Areas and User Risk
While the Act sets clear prohibitions, there remains some transitional ambiguity as the rules are implemented and interpreted in courts. Some platforms claim to operate on “skill‑based” models to argue legitimacy, but with the new law’s blanket ban on real‑money games, such arguments are significantly weakened.
This means:
- If 91 Club involves real money deposits and earnings in India, it legally falls under banned online money gaming.
- Users in India engaging with such platforms may be acting in violation of federal law, even if the platform itself is offshore or not directly headquartered in India.
Legal Status in Pakistan
1. Gambling Laws & Historical Ban
In Pakistan, gambling in any form, including games of chance for money, has been historically prohibited under the Prevention of Gambling Act of 1977, which itself traces back to older statutes. Local laws generally criminalize gambling and related activities, imposing fines and even imprisonment on violators.
2. Online Gaming and Digital Enforcement
Unlike India, Pakistan doesn’t yet have a comprehensive online gaming statute that specifically addresses digital platforms. This creates a regulatory grey area:
- There is no clear licensing or legal framework for real‑money online gaming platforms.
- The existing gambling ban applies to physical gaming establishments and traditional wagering activities, but it isn’t explicit about internet‑based games.
Because of this gap, many offshore gambling and gaming apps have targeted Pakistani users.
3. Recent Enforcement Actions
That gap hasn’t prevented Pakistan’s authorities from acting:
- The National Cyber Crime Investigation Agency (NCCIA) has banned dozens of apps linked to illegal betting, online casino gaming, and unregulated trading — instructing the Pakistan Telecommunication Authority (PTA) to block access.
This demonstrates that Pakistan is taking a hard stance against online gambling platforms perceived as illegal or unregulated — although not always under a specific online gaming law, but under broader cybercrime and gambling controls.
4. User Risk & Legal Ambiguity
Because Pakistan doesn’t explicitly legislate online gambling:
- Some platforms still operate in a technical legal grey area online.
- But authorities actively block access to gambling and casino apps and could take action against users or promoters.
- Players using such apps have limited legal protections if things go wrong because there’s no sanctioned regulatory regime.
In short, while online gaming like 91 Club isn’t formally legalized, it also isn’t clearly regulated — but enforcement actions suggest it’s treated as illegal or at least unsafe by authorities.
So Is 91 Club Legal or Illegal? A Clear Breakdown
| Country | Legal Status of 91 Club‑style Apps (Real‑Money Gaming) |
| India | Likely illegal under the Online Gaming Act, 2025 if it involves money stakes; enforcement underway. |
| Pakistan | Not explicitly legal; real‑money gambling is broadly illegal and many online casino/betting apps are banned; 91 Club likely falls into that category. |
Common Misconceptions About Legality
Myth 1: “If it’s downloadable, it must be legal.”
Reality: Many apps like 91 Club aren’t on official app stores precisely because they can’t meet platform policies — which often align with local gambling and financial laws.
Myth 2: “Games of skill are automatically legal.”
Reality: While skill‑based gaming used to be legal in parts of India, the new law bans all online real‑money games regardless of classification.
Myth 3: “Offshore servers make an app legal locally.”
Reality: Operating servers outside the country doesn’t exempt a platform from local laws. Both India and Pakistan can regulate access and restrict transactions.
Risks of Using 91 Club Regardless of Law
Even if legality were unclear, users face other serious concerns:
1. Lack of Regulation & Consumer Protection
Many such platforms are unregulated — meaning there are no legal guarantees around payouts, fairness, or dispute resolution.
2. Reports of Payment Problems
Independent reviews highlight delays or blocks on withdrawals, accounts being suspended, and bonus structures that trap players.
3. Data & Security Risks
Because many versions of these apps require APK installs from third‑party sites (not app stores), users may expose themselves to malware or data privacy risks.
4. Psychological & Financial Harm
Gambling‑type platforms can lead to addiction, financial loss, and other harms, which is one reason governments are cracking down.
If You’re Considering Using 91 Club: What You Should Know
✅ Verify local regulations first: Laws are changing, especially in India.
❌ Avoid apps not listed on official stores: They often circumvent policies because they can’t comply.
⚠️ Be cautious with money: Real‑money gaming carries financial risk.
📌 Understand that legal protection may not exist: If a problem occurs, there may be no authority to appeal to.
Final Verdict: Legal? Not Really
In India, due to the Online Gaming Act, 2025, real‑money games like 91 Club are considered illegal once the law takes full effect — and operators and users risk penalties.
In Pakistan, gambling is broadly illegal, and recent enforcement actions show the government is targeting unauthorized online gambling apps — meaning platforms similar to 91 Club are likewise unsafe and potentially illegal.
In both countries, the safest course is to avoid real‑money gaming platforms that operate outside clear legal regulation — especially those requiring APK installs and not registered with official authorities