VIKAM exists for the millions of Indians who manage their money brilliantly every day — but in their own language, on their own terms, far from the world of English-only finance apps.
Our mission
To make understanding and growing your money simple, trustworthy, and rewarding for every household in Bharat — especially in tier-2 and tier-3 towns where the next wave of India's financial growth is happening.
What we do
- Speak your language. VIKAM works in 10+ Indian languages, by voice and text.
- Your Paisa Score. A free, friendly view of your financial health — and how to improve it.
- Save together. Digital savings circles bring the trusted committee/bachat-gat online, safely in escrow.
- Rewarding habits. Real rewards for saving regularly, so good money habits actually pay off.
Built on trust
We are bank-grade in our security, aligned with RBI's digital-lending norms, and we keep your data in India. Your consent comes first, always.
A Fluxusforge product
VIKAM is built by Fluxusforge, which builds infrastructure for modern, compliant lending in India. VIKAM brings that same rigour to a consumer app made for Bharat.