विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Instant (disbursed in under 15 minutes).सत्यापित: 2026-09-28 (180-दिवसीय SLA)

कैशई इंस्टेंट पर्सनल लोन

CASHe instant personal loan for young salaried millennials up to ₹4 Lakhs with SLQ scoring.

ऋण राशि सीमा₹1,000 to ₹4,00,000 (Social Loan Quotient)

ब्याज दर (APR)18.00% - 36.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि3 to 18 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST (Min ₹500)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

AI-driven personal lending app by Bhanix Finance (CASHe) providing short-term credit to young salaried millennials using proprietary Social Loan Quotient (SLQ) scoring.

प्रमुख लाभ एवं विशेषताएं

• Proprietary SLQ scoring evaluates social and financial footprint for young earners • Disbursal in under 15 minutes directly to bank account • Micro-ticket loans starting from as low as ₹1,000 • 100% paperless onboarding on CASHe app.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Young salaried professionals with regular bank salary credits. Min Age: 21, Max Age: 45. Min Net Monthly Salary: ₹15,000. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 3 months with 3% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Completely paperless (PAN, Aadhaar, and salary bank statement).

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• High interest rates starting from 18% up to 36% p.a. • Shorter repayment tenures capped at 18 months. • Strictly available only to salaried professionals with direct salary bank credits.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open CASHe App > Apply Loan. Select amount and tenure, complete OTP authentication. Disbursed in 10 minutes.

2. नए ग्राहक (ऑनलाइन):

1. Download CASHe App. Enter mobile number, PAN, connect salary bank statement, and complete selfie verification.

3. बैंक शाखा में जाकर:

Not applicable — app-only digital product.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is Social Loan Quotient (SLQ)?

SLQ is CASHe's proprietary AI credit rating system assessing education, profession, and digital footprint alongside bureau score.

How fast is CASHe loan disbursed?

Within 15 minutes directly into your verified bank account.

What is the maximum tenure?

Up to 18 months.