axio: Expense Tracker & BNPL

Axio Digital Pvt. Ltd.

About this app

axio App is an SMS-based money management app. Managing money and tracking expenses just got simpler with the axio personal finance management app! With our Money Manager’s expense tracker feature, tracking expenses becomes effortless. You can plan your budget, monitor your daily expenses, monthly expenses, stay on top of all your bills, and receive timely payment reminders, all conveniently accessible in one place!

With axio Money Manager - your personal money management app, the best expense tracker and a handy personal finance app, you don't need to manually enter your expenses. Tracking expenses automatically, it monitors your financial activities and provides a clear breakdown of your expenses and bill reminders.

Money Manager’s top features include:

✨With the expense tracker, you can keep close track of your personal monthly and daily expenses including your credit card dues
✨See all daily expenses at a glance - from Bank Accounts, Credit Cards, Digital Wallets, Sodexo, etc.
✨Check bank balances
✨Check all your utility bills such as electricity, DTH, Gas, Mobile, & Wi-Fi
✨Keep track of train tickets, cab, movie, event bookings, & more
✨With the expense tracker make custom categories to track expenses & quickly add cash spent
✨Add notes, tags, & bill/receipt photos to transactions
✨Easily search for expenses, tags, or notes

With the axio app you gain exclusive access to:

axio Pay Later

Experience a seamless credit facility on the axio personal finance app that empowers your personal growth. With our carefully designed Checkout Finance feature, you can enjoy the convenience of flexible EMIs ranging from 3 to 36 months*.

>Hassle-free credit
>Available at over 4000+ online merchants
>No-cost EMIs*

axio Personal Loan

Eligible users can apply and avail Personal Loan from the axio App.

axio Fixed Deposit

Give your savings a boost by investing in a Fixed Deposit on the axio App

>Higher Interest Rate
>RBI Regulated and DICGC Insured
>Flexible Tenures and Zero premature Withdrawal


▶ EMIs

*Interest rates for axio loans start from as low as 14% & go up to 35% per annum for a tenure ranging 06 to 36 months. A processing fee of upto 2%(+GST) is also applicable on each disbursal.

A representative example: If you take a loan of Rs. 1 Lakh (Principal) at an annual interest rate of 15% (APR) for a tenure of 24 months - your EMI will be around Rs. 4,849 & the processing fee would be Rs. 2,000(+360). Total cost of the Loan would be Rs.1,18,728


▶ About axio

Credit offered by Axio Digital Pvt. Ltd. (formerly known as Thumbworks Technologies Pvt. Ltd.) on the axio app is facilitated by RBI-registered NBFC CapFloat Financial Services Private Limited.

Axio Digital Pvt. Ltd. does not involve itself directly in any money lending activities and only facilitates money lending by providing a digital platform to registered Non-Banking Financial Companies (NBFCs) or banks or via co-lending arrangements. https://axio.co.in/corporate-information/

axio (formerly known as Capital Float, Walnut & Walnut 369) is the brand name of CapFloat Financial Services Private Limited, an NBFC registered with the RBI.

CapFloat Financial Services Private Limited is one of the founding members of the Digital Lenders Association of India (DLAI), an organization dedicated to promoting fair lending practices within the country. You can access DLAI's Code of Conduct by visiting the following link: https://www.dlai.in/dlai-code-of-conduct/

axio App provides SMS-based money management, and access to financial products like Checkout Finance, Personal Loans, and Fixed Deposits.. It does not read your personal SMSs or upload any sensitive data.

For more info, please write to us at [e-mail] or refer to https://axio.co.in/about-us/

Ratings and reviews

Awesome app! I wish I had this several years ago. It neatly collects expenses from all sources, credit card, UPI etc. It allows me to name billers (instead of paytm@xytrq i can name it as MyGrocer). It allows me to categorise each expense, so that I get a consolidated view of how much I am spending on groceries, medicines, restaurant etc. Pretty neat!

It used to be good It was much easier to use. With the updates, while the aesthetics got better, functionality took a beating down. As an example, if you want to change a category for a transaction, you can't search for it, you have to scroll and select among all your categories. Another gripe for me is, there is no way you can split a transaction in multiple categories. Eg: if you spend on a transaction on amazon or in a super store across many categories , there is noway you can split that.

It's a great app.. i have been using it since 5 years now.. one suggestion that I want to make for the developers if you guys can add an option to mark recurring expenses to a particular expense category that will be really helpful. For e.g if I buy a metro ticket online everytime I make n online payment it should auto detect the catagory to Travel..

What's new

⦿ Introducing Fixed Deposit Investment:
Now, easily invest in FDs with axio App. Enjoy competitive interest rates and flexible terms for smarter savings.

⦿ Revamped Splits (earlier Groups) Feature:
New Look, Enhanced Ease: Splitting expenses with friends and family is now simpler and more intuitive with our updated Split feature.