Do you need cash loan on urgent bases. If yes, Kamakshi Money is a personal-loan digitally. They runs a fully digital application process.
You can use this money for your daily needs, for childern education, for purchasing any new or old car or bike, for purchasing house or renovation, you can use it for marrige or Birthday parties. This platform provides immideate cash loan digitally if you are elegible.
Kamakshi loan app and website say that you can finish KYC, view a personalised offer, and get disbursal to your bank account with minimal documents.
Who is the lender?
Kamakshi Money states it is a digital platform and that the actual lending NBFC is AVA Finance Private Limited.
Table of Contents
Is Kamakshi Money RBI approved or not?
Kamakshi is a loan website not a loan app. This loan website works under RBI registers and supervises NBFC.
The entity behind Kamakshi Money—AVA Finance Private Limited—claims to be RBI-registered (CoR no. B-14.01584) and is listed in industry compilations of RBI-registered NBFCs (Base Layer / ICC) for June 30, 2024. You can verify AVA on the official RBI NBFC list (it uses a captcha) or via FIDC lists.
Loan Offers by Kamakshi Mony Loan
Kamakshi offers cash loan from 1000 to 2 lacs. It is very easy process, no paper work. Loan interest is 20% reducing and up to 22.7% . Good part is that interest rate is reducing. It means that interest will be charged only pending amount no entire loan amount.
Kamakshi Money loan Interest Rates
Daily Interest Rate (Nominal)
According to the official Interest Rate Policy published on Kamakshi Money’s site:
The daily interest rate ranges between 0.35% to 1% per day on the outstanding principal, calculated on a reducing balance basis.
Additionally, penal charges for late payment are levied at 0.1% per day of the outstanding principal.
They charge 20% to 22.7% annually interest on cash loan. It is reducing interest rate.
Annualized Equivalent for Comparison
Another source provides an estimated Annual Percentage Rate (APR) to help compare with typical bank loans:
The app’s APR is listed as around 22.7%% per annum.
Kamakshi Money File Charges
The primary file charge -appears to be up to 3% of the loan amount, as clearly stated on the official app listing and reflected in external reviews. It typically gets deducted upfront alongside GST ( ₹500 fee + ₹90 GST on a ₹30,000 loan).
Additional fees—such as platform or technology charges, late-payment penalties, EMI bounce charges are 500 per bounce, and legal costs—may or may not apply depending on your specific loan product and circumstances. These are formally captured under the Fair Practices Code.
Facts About Kamakshi Money
Kamakshi Money has no any loan app. They have a money loan website.
AVA Finance Private Limited, the lending NBFC, is RBI-registered.
Kamakshi Money loan review
Simple flow: KYC then offer then disbursal;
documents -like Aadhaar, PAN, and bank statement.
Speed claim: instant/within 30 minutes disbursal messaging.
Grievance page and policies are publicly listed
Read Before Use
Interest & charges: AVA’s official policy allows 0.35%–1% per day interest, plus fees/penal charges. That’s expensive if you hold the loan for long. Read the Key Fact Statement carefully before accepting.
Mixed user sentiment: third-party trackers show a mid-range Google Play rating (around 3.8 with hundreds of reviews in 2025). Treat any rating as directional, not absolute.
This loan is suitable for short-term, urgent needs only if you understand the costs and you’re borrowing from the official app published by the right developer .
Kamakshi Money real or fake?
Looks like it’s real:
Official website, contact coordinates, and policies are public.
Clear disclosure that loans are provided by AVA Finance Pvt. Ltd. (RBI-registered NBFC).
Kamakshi Money looks like safe
Verify the developer name and official contacts before sharing data.
Avoid clones/ads that mimic the brand. Always cross-check with the site and Play Store listing.
Kamakshi Money loan apply process (step-by-step)
This is the exact flow most users will see:
Kamakshi Money loan app download
There is no such app that can be downloaded from Google play store
They have online website based loan facility which can applied digitally throw Kamakshi website.
Kamakshi/AVA Finance. You can also start from the official site/app ply button to avoid fake pages.
Create account & Kamakshi Money login
Register with your mobile number and complete OTP login (standard flow on Indian loan apps). Follow the on-screen prompts.
Complete KYC
Upload Aadhaar, PAN, and bank statement as requested in-app. Ensure details match.
Web permissions (important)
The terms mention reading transactional SMS (with consent) for underwriting. Grant only what’s required; deny anything you’re not comfortable with.
Review your offer
Check loan amount, tenure, APR, processing fee, penal charges, and the Key Fact Statement. If it’s too costly, do not accept.
Accept and e-sign
Sign the loan agreement digitally. Keep a copy of the agreement and KFS.
Disbursal & repayment
Funds move to your bank account after approval. Set up autopay or pay on time to avoid penal charges. Use only the official pay options shared by the app/website.
Kamakshi Money loan Website
Use the official website to apply cash loan
Visit on original loan app to take their services.
Update your details on their online portal.
Kamakshi Money login
Login is typically mobile-number + OTP after registration. If you forget credentials, use the in-app recovery or official support below.
Kamakshi Money loan customer care number
These are the published support contacts as of today:
Phone (website): +91 95991-97388
Email: [email protected]
Address: 3rd Floor, 8/17, West Extension Area, Karol Bagh, New Delhi – 110005.
Phone (Play Store listing): +91 92204-29444
Email (Play Store): [email protected]
Address (Play Store): 2665, Ground Floor, Gali no 2, Beadon Pura, Karol Bagh, New Delhi – 110005.
Tip: If someone DMs you from a different number or asks for a fee to “increase limit,” ignore/block and contact the official support listed above.
Kamakshi Money Loan FAQs
Q. About Kamakshi Money loan
Ans. A digital personal-loan platform; loans are offered by AVA Finance Pvt. Ltd. (NBFC).
Q. Kamakshi Money loan app review
Ans. Simple flow and fast claims; but read the interest/fees carefully—rates can be high.
Q. Kamakshi Money real or fake
Ans. The platform ties to an RBI-registered NBFC and publishes policies/contacts; verify you’re on the official app/site.
Q. Kamakshi Money loan apply process
Ans. Download then login then KYC then review KFS then e-sign then disbursal then repay on time.
Q. Is Kamakshi Money loan app RBI registered
Ans. The NBFC (AVA Finance) is; the app is not “RBI-approved.”
Kamakshi Money RBI approved or not: Not applicable to apps; RBI registers NBFCs.
Q. Kamakshi Money login
Ans. Enter Mobile number , get OTP and login the App
Q. Kamakshi Money loan app download
Ans. Use Play Store and links from the official site; avoid clones.
Q. Kamakshi Money loan customer care number
Ans. Customer Care Numbers are, +91 95991-97388 (site) and +91 92204-29444 (Play Store). Use email [email protected].
Conclusion
Borrow only what you can repay quickly; daily-rate products get expensive fast. Read the Key Fact Statement and interest/penal policy before you e-sign.
To independently verify any NBFC, check the RBI NBFC List page or Sachet portal. (The RBI list uses a captcha; search “RBI NBFC List” and look for “BS_NBFCList.aspx”.