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Spice Money is India’s leading urban FinTech company empowering entrepreneurs/nano-entrepreneurs through technology called Spice Money Adhikaris to meet the digital and financial needs of rural people. Through its innovative technology and expanding Spice Money Adhikaris network, It fills the gap in accessing a variety of financial services for people in India.

Spice Money, a wholly owned subsidiary of DiGiSPICE Technologies (NSE: DIGISPICE). Provides digital financial and e-retail services such as cash deposits and withdrawals, mini ATM services, payment and registration, remittance, Loans, Tourism and more through Aadhaar . For rural people via its Adhikari app (industry best available in Google Play store with 4.4) and web portal.

Its network has more than 1.2 million Adhikari covering 18,800+ passwords. 700 regions and 6450+ blocks, and has more than 100 million families and 2nd class Adhikari.

26+ villages. The network now covers 95% of rural India.

A Regulated Entity under the Reserve Bank of India withPrepaid Instrument License (PPI) and all relevant licenses like Bharat Bill Payment System (BBPS), GSP License, Insurance Agent License from IRCTC and IRDA.

Spice Money works with many institutions, banks, and service providers to enable companies to develop a variety of products and services that help partners and customers succeed.

In December 2020, it joined forces with actor and activist Sonu Sood on a shared vision of harnessing the power of technology to empower businesses in rural and semi-urban populations.

Together with Sonu Sood, the company transformed the brand into a new identity – it to Life Bani embodied the goal of making a real difference in the lives of customers and Adhikaris.

Spice Money is constantly innovating to expand its services to underserved and underserved regions in India. In February 2021, a zero investment initiative was launched that removes barriers to entry for rural young entrepreneurs and allows them to become a free part of the Spice Money network with their “Digital Dukaan”.

Spice Money is also building India’s largest mATM network to address the critical lack of access to ATMs and physical banks for Indian residents. It has successfully installed over 1,00,000 micro ATMs on its network.

As a testament to its commitment, Spice Money has even built the first ATM machine in Chitkul, India’s last village.

Spice Money works to develop innovative technology solutions to empower rural people and drive financial inclusion nationwide.

Spice Money:

Empowering Financial Inclusion and Digital TransactionsIntroductionIn the era of digital advancements, financial inclusion and convenient digital transactions have become paramount.

Spice Money emerges as a powerful platform that seamlessly combines financial services with technology, aiming to empower individuals and promote a cashless economy.

With a comprehensive range of services and an extensive agent network. It is revolutionizing the way people access and manage their financial resources.

1. The Genesis of Spice Money

Spice Money, a subsidiary of Spice Digital Limited, was established with the vision of bridging the gap between the unbanked population and formal financial services in India. Recognizing the potential of technology. It leverages the widespread availability of mobile phones to extend financial services to the masses.

By empowering local entrepreneurs as agents, it offers a wide range of banking and financial services at customers’ doorstep.

2. Unleashing Financial Inclusion

Spice Money plays a pivotal role in driving financial inclusion in India. Where a significant portion of the population remains unbanked or underbanked.

Through its vast network of agents, Spice Money enables the unbanked population to access essential financial services, such as banking, insurance, and loans, even in remote areas.

This democratization of financial services empowers individuals to take control of their finances and participate in the formal economy.

3. Comprehensive Range of Services

One of the key strengths of it lies in its extensive suite of services. Customers can open a basic savings account, deposit and withdraw cash, transfer money, pay bills, and recharge mobile phones, among other services.

By providing these services through a network of agents. It ensures accessibility and convenience for customers who may face challenges in accessing traditional banking channels.

4. Empowering Local Entrepreneurs

Spice Money creates opportunities for local entrepreneurs to become agents and earn a livelihood by delivering financial services to their communities.

These agents act as the face of Spice Money. Equipped with the necessary technology and training to offer reliable and efficient services.

By empowering local entrepreneurs, Spice Money contributes to job creation and economic growth at the grassroots level.

5. Digital Transformation and Convenience

As a digital platform, it embraces technology to offer convenient and efficient services. Through this mobile app or web portal, customers can access a host of services, including digital payments, remittances, and account management.

The platform’s user-friendly interface ensures that users can navigate and complete transactions with ease, regardless of their digital literacy level.

6. Ensuring Security and Trust

It places utmost importance on the security and privacy of customer data and transactions. Robust security measures, including encryption and multi-factor authentication, are implemented to safeguard customer information and prevent unauthorized access. By instilling trust in its users. It enhances the adoption of digital financial services and promotes a secure ecosystem for digital transactions.


Spice Money has emerged as a game-changer in the financial services landscape. Empowering individuals with access to essential financial services and promoting digital transactions.

By leveraging technology and an extensive agent network. It paves the way for financial inclusion, making banking and other financial services accessible to all.

As India moves towards a digital future, It continues to play a crucial role in transforming the lives of millions and contributing to the nation’s economic growth.

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