Kamakshi Money Personal Loan
Offered by AVA Finance Private Limited (NBFC)
Kamakshi Money is a digital personal loan platform that is a unit of AVA Finance Pvt. Ltd., an NBFC that provides the credit. It offers short-tenure unsecured personal loans applied for online with Aadhaar, PAN and a bank statement. It suits borrowers who need a small, short-term loan and can repay within a few months.
Interest rate
—
Loan amount
₹1,000 – ₹50,000
Tenure
—
Processing fee
5% of loan amount in the published representative example (plus documentation fee and GST); final fees shown in the KFS
As of 9 Nov 2026, from the lender's official website. Final terms depend on your profile and are confirmed in the Key Fact Statement.
Check eligibility & apply →Key benefits
- Loan from ₹1,000 to ₹50,000
- Tenure of 61 days to 12 months
- Maximum APR up to 55% (exclusive of applicable fees), as published
- Representative example: ₹50,000 for 120 days at 33% p.a. interest, 5% processing fee, APR 50.88%
- Three-step digital process: KYC, loan offer, disbursal to bank account
- States that no advance payment, security deposit or processing fee is collected before approval or disbursal
Best for
Small short-term cash needs
Pros
- Fully digital application with minimal documents
- Maximum APR and a representative example are published on the website
Cons
- High cost of credit: published maximum APR is up to 55% before fees
Eligibility
- Minimum monthly salary of ₹15,000 (non-metro) or ₹18,000 (metro)
- Eligibility is assessed after KYC with PAN and Aadhaar
- Subject to the lender's credit assessment
Documents required
- Aadhaar Card
- PAN Card
- Bank statement
Frequently asked questions
Who lends the money on Kamakshi Money?
Kamakshi Money states it is a unit of AVA Finance Pvt. Ltd. (NBFC), and loans are availed from AVA Finance Pvt Ltd.
What is the repayment period?
Tenure ranges from 61 days to 12 months. Final terms depend on eligibility and lender approval.
What is the maximum APR?
Kamakshi Money publishes a maximum APR of up to 55%, exclusive of applicable fees. Your actual APR is shown in the Key Fact Statement.
Does Kamakshi Money ask for an upfront fee?
No. The website states it does not ask for any advance payment, security deposit or processing fee before loan approval or disbursement.
Similar products
- PaisaBoxx Personal LoanSmall loans for salaried borrowers
- DigiCredit Personal LoanShort-term loans for regular-income earners
- TrueFund Personal LoanPayday cash shortfalls
- CredMe Personal LoanUrgent small loans
ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by AVA Finance Private Limited (NBFC), which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.