An instant personal loan is a key financial option that provides you with funds in emergencies. Borrowers can use it for several purposes be it your higher education, dream wedding, dream home, exotic vacation, or medical emergency, and a much more. Because of easier eligibility criteria, a personal loan is a more easily accessible source of funds for salaried and self-employed individuals. 

About CASHe Personal Loan

CASHe is an app-only platform that offers an instant short-term personal loan to young salaried professionals without any paperwork. CASHe instant personal loans are disbursed through Bhanix Finance and Investment Limited, an NBFC (Non-Banking Financial Company). Borrowers can get a personal loan from Rs. 9,000 to 3 lakh at an interest rate starting from 1.5% per month.

Features and benefits of CASHe personal loan

  • Get a personal loan from CASHe through your smartphone in under 8 minutes. 
  • CASHe has designed an advanced credit ranking system to calculate social loan quotient (SLQ) of its customers, which is linked to a number of data points including mobile and social media footprint, education, job experience and monthly salary.
  • Unlike conventional lenders that provide a loan based on credit scores, CASHe takes the SLQ (Social Loan Quotient) into account to offer a loan. 
  • End-to-end digitalized process, young salaried professionals can get a loan without having to visit the lender’s branch. 
  • Faster approval process with less documentation.
  • Borrowers need to provide only a few details such as name, age, mobile number, income details, address, etc. With the help of SLQ calculator, borrowers can view their eligibility and interest details. 
  • Get instant loan ranging from as low as Rs. 9,000 to Rs. 3 lakh for any purpose, taking a vacation or meeting medical or financial emergencies. 
  • Attractive interest rate starting from 1.5% per month. 
  • Flexible repayment method with a repayment tenure ranging from 60, 90, 180 days to 1 year. 

Interest rate of CASHe personal loan

Interest rate and other charges applicable on a CASHe personal loan are as under:

Loan amount

Rs. 9,000 to Rs. 3 lakh

Interest rate

For 60-day loan: 3% per month

For 90-day loan: 2.75% per month

For 180-day loan: 2.50% per month

For 1-year loan: 2% per month 

A 7-day interest-free grace period will be offered for repayment of your dues after every month. Any further delay will incur 3% late payment fee including the 7-day grace period.

Repayment tenure

60 days to 1 year

Loan amount

Form Rs. 9,000 to Rs. 2 lakh

Processing fee

For 60-day loan: 2% on the principal amount

For 90-day loan: 2% on the principal amount

For 180-day loan charges are as under

Rs. 1275 for loan up to Rs. 1 lakh

Rs. 1775 for loan between Rs. 1 lakh and Rs. 1,49,000

Rs. 2275 for loan between 1, 50,000 and 2,00,000

For 270-day loan: 2% of the loan amount 

For 1 year: Rs. 15,00 or 3% of the principal amount, whichever is higher

CASHe eligibility criteria

Anyone who meets the following criteria can qualify for CASHe personal loan:

  • Should be aged 18 years and above
  • Should be drawing at least Rs. 15,000 per month
  • Should have a valid address proof
  • Should have a bank account
  • Should have a Google+ /Facebook /LinkedIn account

Documents required for CASHe personal loan

You need to upload the following documents to get a personal loan approved with CASHe:

  • Photo identity proof – PAN Card
  • Latest salary slips
  • Aadhar Card
  • Permanent address proof: Any of - Driving License / Leave & License Agreement /Passport/ Voter’s Identity Card/ Utility Bill such as Electricity Bill/ Landline Phone Bill/ Gas Bill of current address (not more than 2 months old)
  • Latest bank statement showing salary credit

How does CASHe work?

  • Download the CASHe app from Google Play Store or Apple App Store.
  • Get registered through Facebook/ Google+/ LinkedIn accounts. 
  • Fill in the loan application form and upload the required documents through your smartphone.
  • Enter the loan amount on the app based on your eligibility and loan amount you need to buy. 
  •  After verification, the loan amount will be credited into your bank account under a few minutes. 

CASHe Working process

CASHe is a cutting-edge loan provider app that offers loans for young salaried professionals. CASHe uses a proprietary predictive algorithm known as the Social Loan Quotient (SLQ), which is linked to mobile and social media footprints, education, job experience and monthly salary of the users. Hence CASHe offers loans based on SLQ of the borrowers rather than credit scores. Young professionals can get a personal loan from Rs. 9,000 to 300,000 without paperwork and pain within minutes. 

CASHe Customer Care Number

You can contact CASHe on:


CASHE is the most preferred digital lending app for millennials.  It is known for providing instant short-term loans to young professionals based on their social profile, earning potential and merit instead of credit history. Powered by Social Loan Quotient (SLQ), it uses multiple data points to determine the credit profile of the customer. It is completely automated and does not need human intervention and physical documentation to proceed with a loan application. Loan is disbursed in customers’ account under 10 minutes, subject to proper documentation. 


Q1 How much loan can I borrow from CASHe?
CASHe offers flexible loan amount with multiple loan options. You can get a personal loan starting from as low as Rs. 9,000 to Rs. 2 lakh with a repayment tenure of 60, 90, 180 days and 1 year.
Q2How do I contact CASHe customer care for queries?
You can send an email to CASHe at for any query regarding the loan products, you can write to
Q3How much loan can I get?
Loan amount varies from tenure to tenure based on your net take-home salary: • For 60-day loan: You can get a loan amount up to 60% of your net take-home salary. • For 90-day loan: You can get a loan amount up to 110% of your net take-home salary. • For 180-day loan: You can get a loan amount up to 210% of your net take-home salary. • For 270-day loan: You get a loan amount up to 310% of your net take-home salary. • For 1-year loan: You can get a loan amount up to 400% of your net take-home salary.
Q4Can I repay the loan amount before the due date?
Yes, you can repay it before the due date. Doing this will help you improve your SLQ score. However, the interest payment is deducted at the time of loan disbursement and it will not be reduced in such instance.
Q5How do I repay the loan?
You can repay the loan through NEFT/ IMPS/ UPI. CASHe doesn’t accept cash or cheque payments.