CASHe Instant Loan: Get a line of credit up to ₹1 lakh

How to get a CASHe Personal Loan : These personal loans can be used for any purpose, including purchase of gadgets, wedding, vacation, medical emergencies, home repairs and renovations, etc. Cashe loans start at 2.75% per month interest rate, which can be availed for a flexible tenure of 62, 90, 180, 270 days or 1 year.

Full Details of Cashe Personal Loan

Rate of interest 27% to 33% p.a.
Loan amount Rs 1,000 to Rs 4 lakh
Tenure 3 Months to 1.5 Years Floor
Loan processing fee Up to 3% of the loan amount
Minimum monthly income Rs 12,000
Age 18 years up

Features of CASHe Personal Loan

From here you can take loan for any of the following purposes like:- gadget purchase, wedding expenses, vacation planning, medical emergencies, home repair and renovation etc.

  • Loan Amount :- The minimum amount offered by CASHe is Rs.1,000 and the maximum amount is Rs.4 lakh.
  • Interest Rate: The interest rate of CASHe starts from 2.25% per month and can go up to 2.50% per month depending on the repayment tenure chosen.
  • Loan Repayment Tenure: The repayment period can be of 90 days, 180 days, 270 days, 360 days or 540 days. Repayment can be done directly through CASHe app.
  • Processing Fee: The processing fee for CASHe loan can be up to 3% of the loan amount depending on the loan amount and tenure.

What is the interest rate of CASHe?

CASHe personal loan interest rates are affordable and can range from 2.25% to 2.50% p.a. (27% p.a. to 33% p.a.) depending on the repayment tenure chosen by you.


The CASHe app download is available on Google Play and App Store for Android and iOS users respectively. CASHe app provides instant cash loans to salaried individuals. Offers loans up to Rs 4 lakh over a tenure of 3 months to 1.5 years, depending on the needs and repayment capacity of the borrower. You can login to CASHe anytime for quick personal loans. These instant loans can be used in the form of Holiday Loan, Medical Loan, Mobile Phone Loan, Rental Deposit Loan and Wheeler Loan depending on the requirement of the borrower. You can use according to your need.

What is the eligibility criteria for CASHe Personal Loan?

Cash Personal Loan Eligibility Criteria

Following are the eligibility criteria for CASHe Personal Loan:

  • The minimum age of the applicant should be 18 years or above while applying for the loan through CASHe Loan App.
  • The maximum age of the applicant should not exceed 58 years on maturity of the loan.
  • Applicant must have proof of employment and income.
  • The minimum monthly income of the applicant should be Rs.12,000 or more.
  • Address proof and photo ID proof is mandatory.
  • Applicant must have a bank account with Facebook/Google+/LinkedIn account.
  • The applicant must have a smartphone to access the CASHe instant loan app.
  • You can get a loan worth between 30% to 200% of your total monthly salary, depending on your income and loan tenure.
  • According to CASHe, your profile rating should be good.

Documents Required for Cashe Personal Loan

If you want Cashe Personal Loan then apply online in jpg format along with following self-attested documents:

  • PAN card for photo identity proof
  • Aadhar card
  • Recent salary slip
  • For Proof of Permanent Address: Voter ID, Driving License, Passport, Utility Bill (Electricity/Landline/Gas Bill) should not be more than 2 months old.
  • If the present address is different from the permanent address, you will have to submit the present address, rent agreement, utility bills (not more than 2 months old).
  • Bank details showing your pay credit.
  • Upload a selfie which will be considered as proof of your photograph.

How to login on Cashe App?

You can login to Cashe app with the following steps:

  • Download the Cashe Loan app 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 login to your Google, LinkedIn or
  • Sign in with Facebook account.
  • On successful login of Cashe App, you can avail the services of Cashe App.
  • You can also do all the loan process through the official website of Cashe. Click to go to the official website of Cashe .

Cashe Personal Loan Charges and Processing Fees

For 90 days tenure : Rs.85 for 0 to Rs.5,999 loan amount, Rs.500 for Rs.6,000 to Rs 33,333 loan amount and 1.50% for Rs 33,334 to Rs 99,999 cash loan amount.

For 180 days tenure: Rs 1,200 or 2% of the loan amount, whichever is higher.
For tenure of 270 days: Rs 1,200 or 2% of the loan amount, whichever is higher.
For a tenure of 360 days: Rs 1,200 or 2% of the loan amount, whichever is higher.
For tenure of 540 days: Rs.1,000 or 3% of the loan amount, whichever is higher.

Late Payment Charges: For loans of 90 and 180 days, you will get an interest free grace period of 7 days to clear your dues at the end of each payment month. Delay in loan repayment of 90 days beyond the grace period will attract a 0.7% flat interest charge (including grace period of 7 days) in subsequent weeks.

How to Calculate Cashe Personal Loan EMI?

To calculate your EMI for Cashe Personal Loan, one can use the Cashe Personal Loan EMI Calculator. Just need to enter few details (loan amount, tenure and interest rate) to get instant results.

Following is an example of monthly EMI payments and repayment tenure at an interest rate of 27% p.a., calculated using the Cashe Personal Loan EMI calculator available online for various principal amounts:

Mind that we took a loan of 2 lakhs from Cashe

Cash Loan Interest Rate : 27% p.a.

Cash Repayment Tenure: 1 year and 6 months

EMI: Rs 13,635

Total interest: Rs 45,438

Total amount to be paid : Rs 2,45,438

The year opening balance Amount paid by the customer (EMI x 12) interest paid during the year Principal payment during the year credit balance
1 200000 rupees Rs 54542 Rs 16748 Rs 37794 Rs 162206
2 Rs 162206 Rs 163625 Rs 27796 Rs 135829 Rs 26377
3 Rs 26,377 Rs 27271 894 rupees Rs 26377 0 rupees

CASHe Customer Care Number

Any query or complaint on CASHe can be sent through email only at or to CASHe customer care team at CASHe does not conduct telephone conversations with customers, so there is no CASH customer care number.

CASHe Questions and Answers ( FAQs )

Is CASHe registered with RBI?

CASHe is operated by Bhanix Finance & Investment Limited, an RBI registered NBFC (Non-Banking Financial Company). It follows the norms set by RBI.

Does CASHe check CIBIL score?

No, CASHe uses its own credit rating system called Social Loan Quotient (SLQ), a new social behavior-based credit rating system that offers young millennials fast instant cash finance, Those who usually do not have a good CIBIL score. This feature makes CASHe one of the best loan apps in India.

What is SLQ?

SLQ, i.e., Social Loan Quotient, is a unique credit-rating system for young professionals and millennials. Credit-rating is based on the social behavior of the customer. It is linked to multiple data points like mobile, social media, career, income and education. Data is collected from these points and a credit-rating is assigned. The more time spent in the digital space, the better the score.

How can one know whether they are eligible for loan with SLQ or not?

Once the profile is complete and documents are uploaded, SLQ will initiate the credit-rating test and you will get a rating in no time. If the SLQ Profile Rating is ‘Good’, you can go ahead and apply for the loan with the ‘Get Cash’ 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 your SLQ score will be.

Can the CASHe app be accessed without a smartphone?

A smartphone is a must to access the CASHe app.

Why Facebook/Google/LinkedIn login is required to be eligible for CASHe loan?

Your presence on social networking sites is a measure of credibility as it provides information about your identity and whether you fit the use of CASHe. Social media accounts are only used to provide the Lender with any information about your activities and identity. Under no circumstances, the data is shared with any third parties.

Should documents be uploaded every time a loan is taken?

Once you have registered in Cash and availed the personal loan, you do not need to register again. You are free to borrow any number of times. During the first registration, documents will be uploaded. After this you do not need to repeat this exam for the next 180 days. Meanwhile, if there is any change in employment or residence, the same should be reported and necessary documents uploaded regarding the change.

Will an applicant get a loan even if they do not qualify as per the CAShe internal credit-rating system?

Yes, loan can be given on production of post dated checks and only to select customers.

If a loan request is declined, can the request be submitted once again?

If you feel that your profile has been improved, a re-request can be made after three months from the date of the earlier request. However, the decision making is entirely at the discretion of the lender.

What is the penalty for late payment of EMI?

For 90 and 180 days loan, you will get an interest free grace period of 7 days to clear your dues at the end of each payment month. Delay in loan repayment of 90 days beyond the grace period will attract a 0.7% flat interest charge (including grace period of 7 days) in subsequent weeks.

Does the lender take back the loan at any time?

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

What is the repayment mode for CASHe Personal Loan?

Online payment for cash personal loan can be done only through NEFT. CASHe will be CLN# account number and beneficiary will be Bhanix Finance & Investment Limited. IFSC Code will be KKBK0000958. Verify and enter correct details before transferring funds.

How can I contact CASHe?

CASHe does not conduct phone conversations with its customers. However, you can email them at for any queries regarding their loan products. They will reply as soon as possible. If you want to know about the Enterprise package, you can send an email to

Question: What is the process to make payment through UPI?

Answer: To make payment through UPI, follow the steps given below:

  • Register your UPI ID with CASHe
  • Select ‘My Cash’ screen on the app
  • Click on the Current Payable tab and the amount due will be indicated
  • Go to “Repayment with UPI”. Here the amount to be transferred and the UPI ID for which the amount is to be transferred will be indicated.
  • Select ‘Repayment’ option
  • The transaction may take 60 minutes to process. If the transaction is not completed within 60 minutes, the entire process will have to be repeated.

Q: Are there any benefits to referrals?

Answer: Yes, any number of referrals can be made, provided the referrals made are all salaried individuals. Each successful referral will get you Rs.500 and the referred person will get 50% off on processing fee for the loan applied for from CASHe.

Question: What is the process to transfer money from CASHe to Paytm account?

Answer: PayTM account should be integrated with CAShe app to make transfer. You can transfer a part of the amount as per your wish to a maximum of Rs 19,500 directly in your Paytm account and the balance amount in your bank account. There is a cap on monthly wallet funding for PayTM, which is Rs 19,500 and hence you can transfer only Rs 19,500 to Paytm.

Question: Can the amount be transferred even if you do not have a PayTM account?

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

Question: What happens if the money transfer in PayTM fails?

Answer: In case the money transfer is not possible in Paytm, the amount will be re-credited to the bank account registered on CASHe.

Also Read – How To Take Loan From Paysense Loan App?

How to Activate SBI Credit Card?

How to take SBI Personal Loan

What are the documents required to take a personal loan

The complete details of CASHe Loan are explained in this post. What is the interest rate of CASHe personal loan? What are the documents required for CASHe personal loan? What is the eligibility for CASHe personal loan? How to apply for CASHe personal loan? How to contact CASHe personal loan? Everything is explained in detail.

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