Spice Money Adhikari AEPS App

4.0
1.59L reviews
50L+
Downloads
Content rating
Everyone
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About this app

Become the banker of your community with Spice Money Adhikari and earn up to ₹50,000 every month.

As a Spice Money Adhikari, you gain exclusive access to banking & payment services like Aadhaar Enabled Payment System (AePS), Domestic Money Transfer (DMT), mini ATM, micro ATM, cash withdrawals, bill payments, Mobile & DTH recharge, Aadhaar Pay, Prepaid Cards, Adhikari & Grahak Loans & mini ATM devices, enabling you to transform the financial landscape of your village.

Join our extensive network of over 14 lakh+ Adhikaris & transform the financial landscape in over 2.5 lakh villages, reaching 10 crore households across 95% of rural pin codes with the our AEPS APP.

● No working capital required: Start your business with a low initial investment & enjoy long-term commission benefits.
● Easy Onboarding process: The registration process is straightforward & only requires your mobile number & basic KYC documents.
● Higher Commissions: Retailers & distributors earn commissions on every transaction, boosting activity & earning potential.
● Regular Product Training: Stay updated with continuous product training to improve your skills & service offerings.
● Excellent Customer Service: Access dedicated customer support for prompt assistance.
● Secure & reliable platform: A safe banking platform.

This AEPS app streamlines secure transactions like AEPS cash withdrawals, balance inquiries & aeps services & CMS. Spice Money Adhikari offers these through their Smart Banking Points:
👉 Cash Withdrawal: Check your mini statement & Withdraw cash using an Aadhaar-linked bank account with this Aadhar withdrawal app.

👉 Cash Deposit: Depositing cash using an Aadhaar-linked bank account via online AEPS.

👉 Balance Inquiry: Checking balance for an Aadhaar-linked bank account.

👉 Money Transfer (DMT): Transfer money to any bank account in India 24*7

👉 Mini ATM / Micro ATM: Cash withdrawals & deposits using a Debit Card.

Spice Money, regulated by RBI, holds licenses for PPI, Bharat Connect, GSP, IRCTC & corporate agency for insurance by IRDA. It also offers loan services in partnership with RBI-licensed lenders to its Adhikaris & customers.

Key Points for a Personal Loan:

* Loan Amount: 1,000 to 5 Lakhs
* Repayment Tenure: 3 months to 42 Months
* Processing Fees: Upto 6.5% + GST for Loan upto 10,000
* Upto 5.5% + GST for Loan above 10,000
* Annual Percentage Rate (APR): Upto 75%
* Repayment Frequency: Daily, Monthly

Example for Monthly Installment Loan:
* Loan Amount: ₹ 2,00,000/-
* Tenure: 18 months
* Interest Amount @ 19.75% pa: ₹ 32,716/-
* Processing Fee @ 3% + ₹ 500/- + GST: ₹6500/- + GST
* Total Repayment Amount (Loan Amount + Interest): ₹ 2,32,722/-
* EMI: ₹ 12,929/-

Example for Daily Installment Loan:
* Loan Amount: Rs. 50,000
* Tenure: 180 days
* Interest Charge @ 30% pa flat: ₹ 7397
* Processing Fee @ 3%: ₹ 1500 + GST
* Total Amount to be paid: ₹ 57,397
* Daily Installment Amount: ₹ 319

Interest Rate, Processing fees, Annual percentage rate vary by product & lender policy.

The company has following lending partners:

Ekagrata Finance Private Limited
Brand Name: MyShubhLife
https://www.ekagratafinance.com/our-digital-partner.html
For Grievances, contact Asha Daniel @ 8047185299 / grievance@ekagratafinance.com

PAYME INDIA FINANCIAL SERVICES PVT. LTD.
Brand Name: PayMe
https://www.paymeindia.in/spice-money/
For Grievances, contact Gajendra Singh @ 9711059352 / care@pmifs.com
Updated on
11 Jun 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 2 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.0
1.57L reviews
Ajay K
22 April 2025
No responsive , Very bad management.I applied for mini ATM, and it getting almost 1 year, they didn't send mini ATM. but they deleted my purchased history from my ID. Without intimation. Amount also not refunded. Very very bad service...😡😡😡
132 people found this review helpful
Spice Money Limited
4 April 2021
Dear Sir, Greetings! We regret the inconvenience caused to you. Please share your email id and mobile number and we'll reach out to you to resolve all your concerns. Regards, Team Spice Money.
Avadh Kalal
8 May 2025
I am an B2B Agent, I tried to talk to customer care many times but could not, their service is very bad, whenever I call, all the customers care agent just keep on waiting. 5 minutes, 7 minutes, 12 minutes, 🤦🏻
10 people found this review helpful
Ravind kr Saket
29 April 2025
Fix auto fill up password (fetching location info) problem and everyone transaction get double verification. I use this app last two year but this time very bad experience in spice money app.
399 people found this review helpful

App support

About the developer
SPICE MONEY LIMITED
hardeep.sharma@spicemoney.com
Plot No 19a And 19b, S Global Knowledge Park, Sector-125, Noida Gautam Budh Nagar, Uttar Pradesh 201301 India
+91 79860 56451

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