Spice Money Adhikari AEPS 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, BBPS payment, 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 No. 1 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 secure & 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, BBPS, 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:

Arthmate Financing India Private Limited
Brand Name - Arthmate
https://www.arthmate.com/helpTopic
For Grievances, contact Yogesh Rohilla @ 7835009643/ statutory.compliance@arthmate.com

IIFL FINANCE LTD
Brand Name: IIFL Finance
https://www.iifl.com/our-partner/spice-money
For Grievances, contact Hardik Panchal @ +91 22 4520 5810, +91 22 6817 8410 / nodalofficer@iifl.com

Bhanix Finance and Investment Limited
Brand Name: CASHe
https://bhanixfinance.com/ourpartners.html
For Grievances, contact Prateek Saxena @ 022-46047350 / bhanix@cashe.co.in

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"