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cashe personal loan

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Loan Amount Rs 1,000 to Rs 4,00,000
Tenure 90 Days / 180 Days / 270 Days / 360 Days / 540 Days
Location PAN India
ROI 2.25% - 2.50% per month
Payment Delay Charges 0.7% flat interest fee per day
Processing Fees Rs. 85 to Rs. 1200 based on your loan amount
Foreclosure Allowance NIL
USP
  • Offers a 7-day interest-free grace period to pay your EMI at the end of every month.
  • Revolutionised the way Credit scoring works with the next-gen AI Software - SLQ.

Personal loans are a great way to finance the things you want, but may not be easily available through banks or financial institutions. While traditional banks don’t qualify most young salaried millennials for credit, CASHe strategic partnerships with premier lending institutions, and online applications have allowed CASHe to provide personal loans to thousands of consumers across India over the last few years.

CASHe takes pride in the fact that it can help to open up the world of credit for young salaried millennials who were denied credit by conventional banks, offering a faster, more flexible, and less complex personal loan. Conventional lenders often do not trust new borrowers or those with no credit history. CASHe provides you with an alternative to a traditional bank loan, backed by an innovative new credit evaluation system that helps us determine your ability

Here are a few factors about CASHe Personal Loan

Loan Amount Rs 1,000 to Rs 4,00,000
Tenure 90 Days / 180 Days / 270 Days / 360 Days / 540 Days
Location PAN India
ROI 2.25% - 2.50% per month
Payment Delay Charges 0.7% flat interest fee per day
Processing Fees Rs. 85 to Rs. 1200 based on your loan amount
Foreclosure Allowance NIL
USP
  • Offers a 7-day interest-free grace period to pay your EMI at the end of every month.
  • Revolutionised the way Credit scoring works with the next-gen AI Software - SLQ.

Negative Profile for CASHe Personal Loan

A negative list or negative profile is a list of areas of the city where residents would not qualify for credit approval. In India, this has been a relatively new development.

  • Individuals working with partnership or proprietorship companies
  • Lawyers
  • Collections
  • Hospital Staff
  • Peons
  • Police
  • Security Staff
  • Drivers
  • Cook

Eligibility Of Cashe Personal Loan


The following information illustrates the loan eligibility and disbursal limits

Loan tenure In months Loan eligibility
90 days 3 months Up to 110% of net monthly salary
180 days 6 months Up to 210% of net monthly salary
270 days 9 months Up to 310% of net monthly salary
360 days 12 months Up to 400% of net monthly salary
540 days 18 months Up to 500% of net monthly salary

Documentation

  • Photo Identity Proof - PAN Card
  • Aadhar Card
  • Latest Salary Slip
  • Permanent Address Proof - Passport, Driving Licence, Voter ID card, or any Utility bill.
  • Latest Statement of your Bank Account, showing your salary credit

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Charges and Fees Related to your Personal Loan with CASHe


Tenure Interest / month APR
90 days 2.50% 30.42%
180 days 2.40% 29.20%
270 days 2.25% 27.38%
360 days 2.25% 27.38%
540 days 2.25% 27.38%

Charges and Fees Related to your Personal Loan with CASHe


Tenure Processing fee
90 days Rs.85 Flat for loan amount 0 to 5999, Rs.500 Flat for loan amount 6000 to 33333, and 1.50% for loan amount 33334 to 99999 of the loan
180 days Rs 1200 or 2% of the loan, whichever is higher
270 days Rs 1200 or 2% of the loan, whichever is higher
360 days Rs 1200 or 2% of the loan, whichever is higher
540 days  Rs.1000 or 3% of the loan, whichever is higher

Let us take an example, How EMI is being calculated


For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T&C apply.

Year Principal
(A)
Interest
(B)
Total Payment
(A + B)
Balance Loan Paid To Date
2022 ₹ 11,363 ₹ 5,969 ₹ 17,333 ₹ 88,637 11.36%
Aug ₹ 2,217 ₹ 1,250 ₹ 3,467 ₹ 97,783 2.22%
Sep ₹ 2,244 ₹ 1,222 ₹ 3,467 ₹ 95,539 4.46%
Oct ₹ 2,272 ₹ 1,194 ₹ 3,467 ₹ 93,267 6.73%
Nov ₹ 2,301 ₹ 1,166 ₹ 3,467 ₹ 90,966 9.03%
Dec ₹ 2,329 ₹ 1,137 ₹ 3,467 ₹ 88,637 11.36%
2023 ₹ 30,332 ₹ 11,266 ₹ 41,598 ₹ 58,305 41.70%
Jan ₹ 2,359 ₹ 1,108 ₹ 3,467 ₹ 86,278 13.72%
Feb ₹ 2,388 ₹ 1,078 ₹ 3,467 ₹ 83,890 16.11%
Mar ₹ 2,418 ₹ 1,049 ₹ 3,467 ₹ 81,472 18.53%
Apr ₹ 2,448 ₹ 1,018 ₹ 3,467 ₹ 79,024 20.98%
May ₹ 2,479 ₹ 988 ₹ 3,467 ₹ 76,545 23.45%
Jun ₹ 2,510 ₹ 957 ₹ 3,467 ₹ 74,036 25.96%
Jul ₹ 2,541 ₹ 925 ₹ 3,467 ₹ 71,495 28.51%
Aug ₹ 2,573 ₹ 894 ₹ 3,467 ₹ 68,922 31.08%
Sep ₹ 2,605 ₹ 862 ₹ 3,467 ₹ 66,317 33.68%
Oct ₹ 2,638 ₹ 829 ₹ 3,467 ₹ 63,679 36.32%
Nov ₹ 2,671 ₹ 796 ₹ 3,467 ₹ 61,009 38.99%
Dec ₹ 2,704 ₹ 763 ₹ 3,467 ₹ 58,305 41.70%
2024 ₹ 35,208 ₹ 6,390 ₹ 41,598 ₹ 23,097 76.90%
Jan ₹ 2,738 ₹ 729 ₹ 3,467 ₹ 55,567 44.43%
Feb ₹ 2,772 ₹ 695 ₹ 3,467 ₹ 52,795 47.20%
Mar ₹ 2,807 ₹ 660 ₹ 3,467 ₹ 49,988 50.01%
Apr ₹ 2,842 ₹ 625 ₹ 3,467 ₹ 47,147 52.85%
May ₹ 2,877 ₹ 589 ₹ 3,467 ₹ 44,270 55.73%
Jun ₹ 2,913 ₹ 553 ₹ 3,467 ₹ 41,356 58.64%
Jul ₹ 2,950 ₹ 517 ₹ 3,467 ₹ 38,407 61.59%
Aug ₹ 2,986 ₹ 480 ₹ 3,467 ₹ 35,420 64.58%
Sep ₹ 3,024 ₹ 443 ₹ 3,467 ₹ 32,397 67.60%
Oct ₹ 3,062 ₹ 405 ₹ 3,467 ₹ 29,335 70.67%
Nov ₹ 3,100 ₹ 367 ₹ 3,467 ₹ 26,235 73.76%
Dec ₹ 3,139 ₹ 328 ₹ 3,467 ₹ 23,097 76.90%
2025 ₹ 23,097 ₹ 1,169 ₹ 24,266 ₹ 0 100.00%
Jan ₹ 3,178 ₹ 289 ₹ 3,467 ₹ 19,919 80.08%
Feb ₹ 3,218 ₹ 249 ₹ 3,467 ₹ 16,701 83.30%
Mar ₹ 3,258 ₹ 209 ₹ 3,467 ₹ 13,443 86.56%
Apr ₹ 3,298 ₹ 168 ₹ 3,467 ₹ 10,145 89.86%
May ₹ 3,340 ₹ 127 ₹ 3,467 ₹ 6,805 93.19%
Jun ₹ 3,381 ₹ 85 ₹ 3,467 ₹ 3,424 96.58%
Jul ₹ 3,424 ₹ 43 ₹ 3,467 ₹ 0 100.00%

FREQUENTLY ASKED QUESTIONS

Have a question? We've got answers!

Social Loan Quotient in cashe personal loan ( SLQ) helps predict your creditworthiness unbiasedly based on your social behavior. Your score is calculated by analyzing various parameters that are unique to each individual. This gives you an overall score that you can use to compare across variables such as age, gender, and education level.

Yes, you can shift your CASHe personal loan midway but only once you pay the first EMI installment.

No, CASHe doesn't ask for collateral while applying for a personal loan.

Absolutely. If your application was recently rejected, or if you feel that there have been some changes in your creditworthiness since you last applied, reapply after three months. CASHe will look into it and decide based on your updated information.

Generally, CASHe offers an instant service in terms of loan clearance. Once your documents are verified, you will receive your loan instantly. Please upload the necessary documents in clear and legible formats to process your loan quickly.

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