Campor has properties to give relief from pain and itching mainly so no need to add camphor yes neem and coconut oil is good options for skin but for fine lines and dark spots you use haldi and aloeveera paste. And in market there are many ayurvedic creams gives solution for your problems but choose according to skin taxture

Coconut oil itself good for anti ageing Didn't understand why this age ? Needn't use camphor You may also prepare oil out of Neem leaves in your home

You may use the above mentioned combination for fungal infection or itching. But for dark spots you may use the combination of sandalwood and turmeric. For more details you may contact me...

You can use medicated oil like Nalpamaradi. For hyperpigmentation Evenshade (Charak) is good. Regular use of Papaya is good for  ageing .

Hello Yes u can use the combination of karpoora n neem. Preferably u can use virgin coconut oil. Yes to some extent it helps relieving dark spots . Depends on what type of origin is the dark spot like age related or due to pimples or post any skin issues . Anti aging papayas serve good . Internal or external use .