Apna Digital Point

Apna Digital Point, a business unit of Spice Digital, uses unrivalled technology to enable next door kirana store to function as a 'MINI BANK' Branch. We are one of India’s largest tech-enabled Hyper Local Payments Network offering various services like Cash Deposit, Cash Withdrawal, Balance Inquiry, Bill Payments, Aadhaar Enabled Services, Air Time Recharge, POS Services, Railway Ticketing Services etc. through our authorized agents.

Our endeavour is to bridge the gap between the served and the un-served, providing banking services to customers at their doorstep. We are a one-stop solution for providing seamless financial services.

Our Focus is primarily on Financial Inclusion – with our Deep presence in “Bharat” with nearly 85% of the 70,000 Customer Service Points in semi-urban and rural India.

Bill Pay / Recharges

One stop solution for all your recharges and bill payments

Apna Digital Point is offering bill payment services to customers at their doorstep through our network of agents. Now pay all your bills conveniently from one place. With our Bill Payments Service, save time – avoid waiting in long queues and travelling long distances to pay bills, pay all your bills in one place and next-door. Apna Digital Point We make your life SIMPLE.

Pay all your bills in one place

With Apna Digital Point make Phone and DTH recharges in seconds. Over 30,800 million bills amounting to more than Rs. 6000 billion are generated each year in the top 20 cities in India. Bharat Bill Payment System (BBPS) is an RBI mandated system which offers integrated and interoperable bill payment services to customers across geographies with certainty, reliability and safety of transactions.
BBPS is a RBI mandated system which offers integrated and interoperable bill payment services to customers across geographies with certainty, reliability and safety of transactions.

Apna Digital Point Agents can subscribe to provide BBPS to the customers. Once an interested merchant registers as a Apna Digital Point Agent, they will be eligible to provide financial services. Anyone can walk up to a Apna Digital Point Agent to pay utility bills. The payment to the Apna Digital Point Agent can then be made via cash, card or even through AePS. Every transaction is absolutely secure and safe.

Apna Digital Point as a Bharat Bill Payment Operating Unit (BBPOU) offers bill payment services to customers through its network of agents O2O (offline to online) for Electricity, Gas, Water, Mobile and DTH bills.

  • Electricity
  • Recharges
  • Payments

Electricity Bill Payments

Pay your electricity bills on-time every-time

Electricity is one of the most essential and important commodities of our modern life, at home and at work. Electricity is used in every sphere whether it’s electric appliances at home or computers and huge machines in offices and industries.

It is essential that you pay your electricity bills on-time every-time and Apna Digital Point helps you do just that. Enjoy uninterrupted supply of electricity and avoid late payment charges with Apna Digital Point.

Physically paying electricity bills can be a cumbersome job, Apna Digital Point Agents can help you pay your bill easily on-time every-time. Every transaction is absolutely secure and safe.

Earn ₹ 20,000 to ₹ 50,000 every month