Here Are The Answers
To All Your Questions

For 90 day loan product: We charge a flat Rs.85 for amount between 0 to 5999 , flat Rs.500 for amount between 6000 to 33333 and 1.50% for amount between 33334 to 99999

For 180 day plan:

We charge a flat Rs.1200 or 2% on the loan amount whichever is higher as processing fees

For 270 day plan:

We charge a flat Rs.1200 or 2% on the loan amount whichever is higher as processing fees

For 1 Year Plan : 

We charge a flat Rs.1200 or 2% of the principle amount whichever is higher as processing fees

For 1.5 Year Plan : 

We charge a flat Rs.1000 or 3% of the principle amount whichever is higher as processing fees

The processing fee is charged every time you take a loan from CASHe. But don’t worry, the fee is nominal

The charges are as follows

For 90 day Product

We charge a flat Rs.85 for amount between 0 to 5999 , flat Rs.500 for amount between 6000 to 33333 and 1.50% for amount between 33334 to 99999.

For 180 day Product.

We charge a flat Rs.1200 or 2% on the loan amount whichever is higher as processing fees.

For 270 day Product

We charge a flat Rs.1200 or 2% on the loan amount whichever is higher as processing fees

1 Year : We charge a flat Rs.1200 or 2% of the principle amount whichever is higher as processing fees.

1.5 Year : We charge a flat Rs.1000 or 3% of the principle amount whichever is higher as processing fees.

For the 90-day loan, we charge you a fixed 2.50% interest / per month (Equivalent reducing balance interest rate 3.71% per EMI). A 5-day interest-free grace period will be offered for repayment of your dues at the end of every paying month. However, any subsequent delays would incur a 0.1% flat interest fee per day (including the 5-day grace period) on subsequent days thereafter

For the 180-day loan, we charge you a fixed 2.40% interest / per month (Equivalent reducing balance interest rate 3.98% per EMI). A 5-day interest-free grace period will be offered for repayment of your dues at the end of every paying month.

For 270-day loan the rate of Interest is 2.25% per Month (Equivalent reducing balance interest rate 3.86% per EMI) on loan amount

For 1 year the rate of Interest is 2.25% per Month (Equivalent reducing balance interest rate 3.88% per EMI) on loan amount

For 1.5 year the rate of Interest is 2.25% per Month (Equivalent reducing balance interest rate 3.85% per EMI) on loan amount

Your loan is generally transferred instantly as soon as all your documents are verified. In order to process your loan quickly, we advise you to upload the necessary documents in the necessary formats and make sure they are clear and legible.

This is unlikely – CASHe is designed to complete your credit appraisal within hours. Once that’s completed, you will be informed immediately of your eligibility. In some cases, some additional information may be required to disburse cash. But, whatever the case, we’ll ensure that you’re always kept in the loop.

You can not make changes to your loan amount post final approval is given to your loan request.

The lenders reserve the right to recall, with due notice, any cash disbursed to Borrower for failure to disclose materially valuable information to determine your credit profile. If you’ve provided false or misleading information, the Lender will call for the amount to be repaid within 24 hours, following which you will be categorised as a defaulter, with the attendant penalties and appropriate steps may be taken by appropriate authorities.

Default is a failure to repay the full amount due including Interest within the time frame (including extended periods) from date of disbursement of loan amount. If you fail to repay within the stipulated time period allotted to you, you will be classified as a defaulter with CASHe and you will be unable to take a loan with CASHe

CASHe is an enterprise of trust. As a user of CASHe app, Lender lends you cash because it believes in your creditworthiness, and in your ability to return it. So, should you default despite the trust bestowed, the Lender will be forced to make your status as a defaulter public on the CASHe app and website, Lender’s website and on your social network and take necessary steps for recovery. Lender will also inform CIBIL and other credit rating agencies.

Is that even a question?? Absolutely! In fact, making payments before they are due raises your SLQ score. However, the interest payments are deducted at source at the time of disbursement and it will not be reduced/ reimbursed in such instances.

• • We accept payments through NEFT/IMPS/UPI only. We do not accept CASH/CHEQUE for repayments.
  • Enter your CASHe CLN # as account number in the field called Account number and choose Account name as Bhanix Finance and Investment Ltd
  • Please ensure that the IFSC code is KKBK0000958.
  • Please make sure that you enter the above information correctly while transferring funds

Please write to support@cashe.co.in if you need further assistance.

CASHe is powered by Bhanix Finance and Investment Ltd – a RBI registered NBFCs, which determines the borrower’s eligibility, disburses loan amounts to users of CASHe as well as recovers the same.

Once you have registered your UPI ID with CASHe, and ready for your loan repayments with CASHe, you need to go to the ‘My CASHe’ screen of the app and click the ‘Current Due’ tab which indicates your amount due to CASHe. Click on the tab and ‘Repay with UPI’. The following screen will feature the amount to be transferred and your UPI ID to which the amount needs to be transferred. Then, select ‘Repay’. Kindly note, your repayment with UPI is valid for a period of 60 minutes which will be indicated in the status screen of the app following your transaction. If for any reason your transaction doesn’t get fulfilled within the allotted 60 minutes, you will need to redo the procedure once again until your repayment transaction is a success.

You also have an option to make the payment through UPI from the “How to Repay’’ screen of your app. This screen is auto populated with your UPI ID if you have your Virtual Payment Address (VPA) registered with us.

If you are an existing customer, you will get a pop-up message in the app to enter your UPI ID in the bank details screen. However, you do have an option to enter the UPI ID at a later stage in the app. But we strongly recommend you create your unique UPI ID with your registered bank (if you don’t have one) and register it with CASHe. If you are a new customer, you are required to fill in your UPI ID in the bank details screen of the app.

This feature initiates a ‘Collect’ request on the due or overdue amount if you have registered your UPI ID with CASHe. It is an automated feature wherein you need to “Approve” the request sent by us to initiate your due amount through your UPI ID. It’s simple, and easy. You do not have to go through the existing procedure of making the payment through IMPS or NEFT. The UPI interface does this for you automatically in seconds, thus saving time in doing so.

The CASHe BuddyTransfer is a unique feature where you can now authorize transfer of funds directly from your CASHe app to your friends or your family members in your phone contact list.

It’s simple. In order to transfer funds to your friends, you need to first select your desired loan product from the ‘Get CASHe’ screen. Once you have requested for a loan, you will then get an option to choose a transfer option where in you have the choice to transfer the fund or your requested loan amount to a Paytm account or ‘Transfer to your friend’. Choose Transfer your friend option and select up to 5 people from your phone contact list to whom you wish to send the money. Choose the desired amount you wish to transfer to each of your contact and confirm the details in the following screen. That’s it. Once you confirm, and your loan request is approved ,we will initiate the transfer on your behalf to the selected recipients.

You can choose up to 5 friends from your phone contact list and choose to send a maximum of Rs 2,000 per contact.

Definitely. The money can be transferred to a CASHe or a non-CASHe user. If in case you have authorized to transfer money to a non-CASHe user, we will send an intimation to the user through SMS informing him that you have initiated a fund transfer to him. This message will also have a link to download the CASHe app from the play store. Once he downloads the link and installs the CASHe app on his phone ,he can receive the money in to his bank account.

Yes, as soon as your friend downloads the CASHe app on to his smart phone, he will be required to complete his registration details with CASHe. The procedure will be same as required for a new registration. He will be required to log in through his social media profile and submit basic KYC information. Following this, he will be asked to enter his bank details in which the money will be transferred.

The money that you have authorized to transfer to your friend will have a 3-day waiting period in which he can download the app and complete the registration details to claim the money. If your friend fails to download the app or doesn’t complete the registration formalities, we will inform you of an unsuccessful transfer and will send the money right back in to your bank account.

Yes. We will send you regular intimation related to your transfer detail status through SMS or in-app notification informing you about the success or failure of your fund transfer.

No. Your friend will not be held liable to pay CASHe as the loan amount has been requested by you and you have chosen to transfer a part of your money to your friend. All repayment charges including processing fee, interest charges or late payment charges towards the loan will be borne by you.

The transfer of funds will be unsuccessful in case if your friend doesn’t download the app and complete the necessary registration formalities. We can also cancel a transfer to a contact who has had a bad credit history with us. The fund transfer will also be unsuccessful in case your friend fails to collect the money within the stipulated 3 days in spite of completing the registration formalities required by us.

Well, this depends on the user who you have chosen to transfer your funds to. If your friend is an existing CASHe user, the money can be sent almost immediately. Or if your friend is a non-CASHe user, and he completes the registration formalities quickly, the funds can reflect in his bank account in about half a days time.