Regulated NBFCSalaried Employeesunsecured

CASHe Instant Personal Loan

कैशई इंस्टेंट पर्सनल लोन

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

Max Loan Amount

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

Interest Rate

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

Tenure

3 to 18 months

Processing Fee

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

✦ What It Is: Product Architecture & Regulatory Scope

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

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• 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.

✦ Key Benefits & Features

• 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.

✦ Prepayment, Part-Payment & Foreclosure Rules

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

✦ Eligibility Requirements

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

Min Age21 Years

Max Age45 Years

Min Monthly Income₹15,000

Min CIBIL Score650+

✦ Documents Required

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

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

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

Pathway B

New Online Applicant (Fresh Digital)

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

Pathway C

Branch Walk-In Application

Not applicable — app-only digital product.

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (CASHe Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on CASHe Instant Personal Loan

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.