Mini Credit

Access up to Rs 5000 on your phone with a simple WhatsApp message on 7259611847.

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Good Review From Good People

Hustle free service, received amount within one hour.One of the best pre-salary services I have ever experienced

Amit Sagar


Kaarva ATM is superb, just submit your documents they will credit the loan amount into your account within 2-3 hours when you need money

Snehanshu Purkayastha


Awesome services....They give a very good response & try their best .Thanks Kaarva for fullfilling out emergency needs:)

Angel Jesinda


It's owesome. Very quick. Within 30 mins money will be in ua hand.. Super supportive..keep it up guys.

Deepak Lingade

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Frequently Ask Questions

What is Kaarva?

Kaarva is like an emergency ATM where you can withdraw upto a maximum of ₹ 5000 in a month until you get your salary. Only for salaried individuals.

Depending on your salary, you can cash out from Rs 1000 to upto Rs. 5000.

We charge no interest. Instead, we let our members choose how much they want to pay for the service. They contribute based on how much they find it worth and that way, they make sure we are around the next time to serve them.

For eg. one can contribute ₹250 for a cash out of ₹ 3000. They are also free to put ₹ 0.

About 3 hours once documents are submitted and if application approved.

Money is directly transferred to your account. You need to share your virtual UPI id created on any of the UPI apps (BHIM, Tez, Phone Pe, Paytm etc.).

When you receive your upcoming salary, and definitely before the final due date. Due date is conveyed during cashout. You are required to repay to the account details that are shared over WhatsApp at the time of repayment.

Yes, always. You just need to message us on Whatsapp with the details of your friend or give you friend the link to the form. The incentive of successful referral is increase in your credit limit. Please note referral is deemed successful when the person who you have referred has repaid.