Cashe Personal Loan

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Personal Loan

CASHe is a lending app that offers instant Personal Loan of up to Rs. 4 Lakhs without any security or collateral. These Personal Loans can be used for any purpose, including gadgets purchase, wedding, holiday, medical emergencies, repairs & renovations of house, etc. CASHe Loans are offered at an interest rate starting @2.50% p.m flexible tenure of 62 days, 90 days, 180 days, 270 days, or 1 year.

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Updated: 29-05-2024 09:47:51 AM

Key Highlights of Cashe personal loan

Interest Rate 2.50%
Loan Amount Rs. 1,000 to Rs. 4 Lakhs
Tenure 3 months to 1.5 years
Loan Processing Fee Up to 3% of the loan amount
Minimum Monthly Income Rs. 12,000
Age 18 years above

CASHe Personal Loan Features:

  • Purpose of the loan: CASHe loan can used for purchase of gadgets, wedding expenses, planning a holiday, medical emergencies, repairs & renovations of house, etc.
  • Quantum: The minimum amount offered by CASHe is Rs. 1,000 and the maximum amount is Rs. 4 Lakhs.
  • Interest rate: The CASHe interest rate starts from 2.50% per month and can go up to 2.50% per month depending on the repayment tenure chosen.
  • Repayment: Repayment tenure can be 90 days, 180 days, 270 days, 360 days or 540 days. The repayment can be done through the CASHe app directly.
  • Processing fee: The processing fee for CASHe loan can be up to 3% of the loan amount, depending on the loan amount and tenure.

CASHe Interest Rate

CASHe personal loan interest rates are affordable and start from 2.50% per month (27% p.a. to 33% p.a.), depending on the repayment tenure chosen by you.


CASHe app download is available on Google Play and the App Store for Android and iOS users respectively. CASHe app provides instant cash loans to salaried individuals. The loans up to Rs. 4 Lakhs are disbursed from a period of 3 months to 1.5 years, depending on the borrower’s needs and repayment capability. You can make CASHe login anytime for a quick Personal Loan. These instant loans can be used as Holiday Loans, Medical Loans, Mobile Phone Loans, Rental Deposit Loans, and 2/4 Wheeler Loans, depending on the borrower’s requirement.

CASHe Personal Loan Eligibility Criteria

The following are the eligibility criteria for CASHe Personal Loan:

  • The minimum age of the applicant should be minimum 18 years or above when applying for the loan through CASHe loan app.
  • The maximum age of the applicant should not be above 58 years when the loan matures.
  • The applicant should have employment and income proof.
  • Applicant’s minimum monthly income should be Rs. 12,000 or above.
  • Having an address proof and photo ID proof is mandatory.
  • The applicant should have a bank account along with a Facebook/ Google+/ LinkedIn account.
  • The applicant should have a smartphone to access the CASHe Instant Loan App.
  • You can avail a loan to value (LTV) of between 30% and 200% of your net monthly salary, depending on your income and loan tenure.
  • As per CASHe’s SLQ, your profile rating should be Good.

Documents Required for CASHe Personal Loan

If you want CASHe personal loan apply online with the following self-attested documents in jpg format:

  • PAN Card for photo identity proof
  • Recent salary slip
  • Proof of permanent address (any one): Voter’s ID, Driving Licence, Passport, Utility Bills (electricity/landline/gas bill) not older than 2 months.
  • If the current address is different from the permanent address then, you will need to submit utility bills (not older than 2 months) of the current address, Rent Agreement/ Leave & License Agreement.
  • The latest bank statement showing your salary credit.
  • Upload a selfie which will be treated as a proof of your photograph.

Cashe Portal login

You can login to Cash app with the following steps:

  • Complete the CASHe loan app download on your mobile from Google Play or App Store (for Android and iOS users respectively).
  • Open the app on your mobile and click on the Sign in tab and sign in with your Google, LinkedIn or Facebook account for cash app login online.
  • On successful Cash app login, you can avail the services of CASHe.
  • You can also opt for Cash app web login through the official website of the CASHe

CASHe Personal Loan – Fees & Charges

  • Processing fees:
    • For 90 days tenure: Rs. 85 flat for Rs. 0 to Rs. 5,999 loan amount, Rs. 500 flat for Rs. 6,000 to Rs. 33,333 loan amount, and 1.50% for Rs. 33,334 to Rs. 99,999 ecash loan amount.
    • For 180 days tenure: Rs. 1,200 or 2% of the loan amount, whichever is higher.
    • For 270 days tenure: Rs. 1,200 or 2% of the loan amount, whichever is higher.
    • For 360 days tenure: Rs. 1,200 or 2% of the loan amount, whichever is higher.
    • For 540 days tenure: Rs. 1,000 or 3% of the loan amount, whichever is higher.
  • Late payment charges: For 90 and 180 days loan, you will get a 7 days interest-free grace period for repaying your dues at the end of each paying month. Delaying the payment of a 90 days loan even after the grace period will attract a 0.7% flat interest fee (that includes the 7 days grace period too) in subsequent weeks thereafter.

How to Calculate CASHe Personal Loan EMI?

To calculate your EMI for CASH e Personal Loan, you can use the   available on MyMoneyMantra’s website. Just enter a few details (loan amount, tenure, and interest rate) to get instant results.

Following is an example of monthly EMI payouts calculated using CASHe Personal Loan  available online for different principal amounts and repayment tenures at interest rate of 27% p.a.:

Loan Amount: Rs. 2 Lakhs

CASHe Loan Interest Rate: 27% p.a.

CASHe Repayment Tenure: 1.5 year

EMI: Rs. 13,635

Total Interest: Rs. 45,438

Total Amount to be Paid: Rs. 2,45,438

Year Opening balance Amount paid by customer (EMI*12) Interest paid during the year Principal paid during the year Closing balance
1 Rs. 2,00,000 Rs. 54,542 Rs. 16,748 Rs. 37,794 Rs. 1,62,206
2 Rs.1,62,206 Rs. 1,63,625 Rs. 27,796 Rs. 1,35,829 Rs. 26,377
3 Rs. 26,377 Rs. 27,271 Rs. 894 Rs. 26,377 Rs. 0

CASHe Customer Care

Any queries or CASHe complaints can be put across only through an email to [email protected] or to [email protected] to the  team. CASHe does not interact with the customers over the telephone, so there is no CASHe customer care number.


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Cashe Personal Loan FAQs

CASHe is powered by Bhanix Finance and Investment Ltd., which is an RBI registered NBFC (Non-Banking Financial Company). It follows the norms laid down by the RBI.

No. CASHe uses its own credit rating system called the Social Loan Quotient (SLQ), a new social behaviour-based credit rating system to offer faster instant CASHe finance to young millennials who usually do not have good CIBIL score. This feature makes CASHe one of the best Loan Apps in India.

Once the profile is completed and the documents uploaded, SLQ will start the credit-rating ordeal and within no time you will get the rating. If the SLQ profile rating is ‘Good’, then you can go ahead and apply for the loan with the ‘Get Cashe’ tab. Your score will be displayed immediately. If the SLQ profile rating is ‘Poor’, you need not apply for the loan. You can wait till the score improves. The more you use the Cashe app responsibly, the better will be your SLQ score.

It is very much necessary to have a smartphone to access the CASHe app.

The creditworthiness is assessed by your presence on the social networking sites since it gives information about your identity and whether you fit into the ethos of CASHe. The social media accounts are accessed just to give the lender any idea about your activities and identity. Under no circumstances, the data will be shared with any third parties nor the personal data retrieved without your permission.

Once you have registered with CASHe and have availed a personal loan, you need not register again. You are free to borrow any number of times. During the first registration, the documents will be uploaded. Thereafter you need not repeat the ordeal for the next 180 days. In the meanwhile, if there is any change in employment or residence, the same should be informed and the necessary documents in respect of the change should be uploaded.

Yes, the loan may be given on production of post-dated cheques and for select customers only.

A request can be raised once again after three months from the date of the earlier request if you feel that there is an improvement in your creditworthiness. However, decision making is solely at the lender’s discretion.

For 90 and 180 days loan, you will get a 7 days interest-free grace period for repaying your dues at the end of each paying month. Delaying the payment of 90 days loan even after the grace period will attract a 0.7% flat interest fee (that includes the 7 days grace period too) on subsequent weeks thereafter.

The rights to recall the loan with a prior notice rests with the lender. If the information provided by you turns out to be incorrect, the lender can demand for the repayment of the loan within 24 hours. In such circumstances, you will be viewed as a defaulter and will be liable for the applicable penalty and appropriate action by the competent authority.

Payment for CASHe Personal Loan online can be made only through NEFT. CASHe CLN# will be the Account Number and the Beneficiary will be Bhanix Finance and Investment Ltd. The IFSC code will be KKBK0000958. Verify and enter the correct details before transferring the funds.

To make repayments through UPI, follow the steps given below:

  • Register your UPI ID with CASHe
  • Choose the ‘My CASHe’ screen on the app
  • Click on the Current due tab and the amount due will be indicated
  • Choose on the “Repay with UPI”. Here the amount to be transferred and the UPI ID for which the amount has to be transferred will be indicated.
  • Choose the option ‘Repay’

The processing of the transaction may take 60 minutes. If the transaction does not complete within 60 minutes, then the whole process has to be repeated.

Yes, any number of referrals can be made, provided the referrals made are all salaried persons. Every successful referral will fetch you Rs. 500 and the person referred will get a discount of 50% on the processing fee for the loan applied from CASHe.

The PayTM Account should be integrated with CASHe app to make the transfer. You can transfer a part of the amount as intended by you with a maximum of Rs. 19,500 into your PayTM account directly from CASHe and the balance can be transferred to your bank account. There is a cap on monthly wallet funding for PayTM, which is Rs. 19,500 and so you can transfer only to the extent of Rs. 19,500 to PayTM from CASHe.

Yes, the money can be transferred to any valid phone number or email ID. An SMS will be sent to the beneficiary asking him/her to register for PayTM and claim the amount. If the registration is not done and the amount not claimed within 7 days, the amount will be transferred to the borrower’s bank account that is registered on CASHe on the 9th day.

If the money transfer to PayTM fails, the amount will be recredited to the bank account registered on CASHe.

CASHe Buddy Transfer is a feature wherein money can be transferred from CASHe app to the friends and family members who are listed in the phone contact.

You have to access the Get CASHe screen on the CASHe app and request for a loan. Under the option for transfer of funds, you can either choose a transfer to Paytm or Transfer to Friend. You can choose the Transfer to Friend option and 5 people from your phone contact list. You will have to next specify the amount to be transferred to each of them and confirm. The amount will then be transferred to the selected beneficiaries.

Yes, you can shift your CASHe personal loan tenure from 62 days to 90/180/270 days or 1 year as soon as you clear all outstanding of your previous loan(s). Make sure you make timely repayments of your existing loans (if any) to have a positive SLQ scores with CASHe.

CASHe does not interact with its customers on phone. However, you can email them at [email protected] for any queries regarding their loan products. They will respond as quickly as possible. If you wish to know about enterprise package, you can send email to [email protected].