Our Sourcing Partners

CreditHaat
MyMoneyMantra

GRO Details Of Sourcing Partners

 

 

Supporting partners

 

 

Our Lending Partners


Bhanix Finance and Investment Ltd
Grievance Redressal Officer, Principal Nodal Office Pushpinder Kaur,
Tel:9983107444
Email:Grievance@Bhanix.in

Northern ARC
GRO Details
Ms. Deepa Nair
Tel:1800 4198 766
Email:gro@northernarc.com

Vivriti Capital Pvt. Ltd.
GRO Details
Ajit K Menon - Head and Vice President – Operations
Tel:044 40074800/01
Email:grievanceredressal@vivriticapital.com
HomeFirst Logo
For more information on the GRO details, please visit the following site homefirstindia.com

Apollo Finvest (India) Limited
GRO Details
Prachi Jain - Grievance Redressal Officer
Address: 803 Morya Bluemoon 8th Floor, New Link Rd, Veera Desai Industrial Estate, Andheri West, Mumbai, Maharashtra 400053
Tel:022-62231667
Email:compliance@apollofinvest.com

Transactree Technologies Private Limited
GRO Details
Fiza Tarannum – Grievance Redressal Officer
Address: 7A BDR Building, 2nd floor Ring road, Lajpat Nagar 4, Delhi 110024
Tel:7290830691
Email:grievances@lendbox.in

 

 

Customer care, Grievance Redressal & RBI Sachet Portal Details

Customer Care:
Bhanix Finance & Investment Ltd.
Tel:8828553333
Email:support@bhanix.in
Grievance Redressal Officer:
Ms. Pushpinder Kaur
Bhanix Finance and Investment Limited
Tel:8828553333
Email:bhanix@bhanix.in
Principal Nodal Officer:
Ms. Pushpinder Kaur
Bhanix Finance and Investment Limited
Tel:8828553333
Email:bhanix@bhanix.in
RBI Sachet Portal
The RBI sachet portal facilitates lodging of any complaint related to deposits/schemes of various kinds/fake emails
Web:https://sachet.rbi.org.in/

 

 

List of Outsourced Collection Centers

Click to view

 

 

Credit Product Suite

 

Short-term unsecured personal loans with EMI tenors starting from 3 - 18 months with loan amounts available from Rs. 1,000 to Rs. 4 lakhs.

 

Product Min. Monthly
Salary Eligibility		 Loan Amt.
Min - Max		 Loan Eligibility
Max.		 Rate of Interest 1st Time Processing
Fee		 Processing Fee for
Repeat Loans
CASHe 90
(3 months)		 Rs. 25,000 Rs. 25,000
Rs. 110,000		 110% of the net
monthly salary		 2.5% / month on loan
amount (Equivalent reducing
balance interest rate 3.71% per EMI)
  • 5.5% of Loan amount
  • 3.5% of Loan amount
CASHe 180
(6 months)		 Rs. 25,000 Rs. 25,000
Rs. 210,000		 210% of the net
monthly salary		 2.4% / month on loan
amount (Equivalent reducing
balance interest rate 3.98% per EMI)
  • 5.5% of Loan amount
  • 3.5% of Loan amount
CASHe 270
(9 months)		 Rs. 25,000 Rs. 50,000
Rs. 258,000		 310% of monthly
income		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.86% per EMI)
  • 5.5% of Loan amount
  • 3.5% of Loan amount
CASHe 360
(1 year)		 Rs. 40,000 Rs. 75,000
Rs. 300,000 		400% of monthly
income		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.88% per EMI)
  • 5.5% of Loan amount
  • 3.5% of Loan amount
CASHe 540
(18 months)		 Rs. 50,000 Rs. 125,000
Rs. 400,000		 500% of monthly
income		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.85% per EMI)
  • 5.5% of Loan amount
  • 3.5% of Loan amount

Offers a line of credit up to Rs 2 lakh with interest charged only on the amount withdrawn. The Credit Line facility offers users the flexibility to choose an existing retail loan from CASHe as well as opt for multiple Buy Now Pay Later (BNPL) loans to fund their purchases from popular online shopping sites.

 

Minimum Salary
Eligibility		 Min. - Max. Loan
Amount		 Max. Loan Eligibility Loan Amount Rate of Interest Tenure
Rs. 25,000 Rs. 25,000 - Rs. 400,000 Up to 400% of net
monthly salary		 The credit limit is chosen
by the customers based
on their eligibility 		Interest charged based
on the amount
withdrawn		 5 years from the date
of approval

Buy Now Pay Later (BNPL - Gift card loan plans for multiple online retail sites)

 

Min. - Max. Loan
amount		 Tenure Max. Loan Eligibility Rate of Interest Repeat Processing Fee
Rs. 100 - Rs. 2,00,000 30 days Rs. 20,000 0% for 30 days
3% p.m. (on conversion to PL) 		Zero to 6.5% of loan amount

The CASHe Spot on the 'Businesses' section of Google Pay enables users to gain access to the CASHe retail loan products. Short-term unsecured personal loans with tenure ranging from 3 to 9 months with loan amounts available from Rs. 1,000 to Rs. 250,000.

 

Product Min. Monthly
Salary Eligibility		 Loan Amt.
Min - Max		 Loan Eligibility
Max.		 Rate of Interest 1st Time Processing
Fee		 Processing Fee for
Repeat Loans
Gpay 90
(3 months)		 Rs. 25,000 Rs. 25,000
Rs. 100,000		 100% of monthly
salary		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.34% per EMI)
  • 5.5% of the loan
  • 3.5% of Loan
Gpay 180
(6 months)		 Rs. 25,000 Rs. 35,000
Rs. 200,000		 200% of
monthly salary		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.74% per EMI)
  • 5.5% of the loan
  • 3.5% of Loan
Gpay 270
(9 months)		 Rs. 25,000 Rs. 50,000
Rs. 250,000		 300% of monthly
salary		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.86% per EMI)
  • 5.5% of the loan
  • 3.5% of Loan
Gpay 360
(1 year)		 Rs. 40,000 Rs. 75,000
Rs. 3,00,000 		400% of monthly
income		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.88% per EMI)
  • 5.5% of the loan
  • 3.5% of Loan
Gpay 540
(18 months)		 Rs. 50,000 Rs. 1,25,000
Rs. 4,00,000 		500% of monthly
income		 2.25% / month on loan
amount (Equivalent reducing
balance interest rate 3.85% per EMI)
  • 5.5% of the loan
  • 3.5% of Loan

A consumer financing where CASHe offers Buy Now Pay Later/ No cost EMI products to retail customers on either checkout of online platforms like ecommerce or at the Point of sale of offline retail store. Loan tenure ranges from 3 to 6 months with loan amounts available from Rs. 1,000 to Rs. 60,000.

 

Product Min. Monthly
Salary Eligibility		 Loan Amt.
Min - Max		 Loan Eligibility
Max.		 Rate of Interest Processing Fee for
Repeat Loans
CASHeShop
3EMI
(3 months)		 Rs. 20,000 Rs. 1,000
Rs. 2,00,000		 100% of monthly
salary		 No cost EMI – 0%
Customer Interest Bearing : 1.33% p.m.
  • Up to 2% of loan
    amount
CASHeShop
6EMI
(6 months)		 Rs. 20,000 Rs. 6,000
Rs. 2,00,000		 100% of monthly
salary		 No cost EMI – 0%
Customer Interest Bearing : 1.25% p.m.
  • Up to 2% of loan
    amount
CASHeShop
9 EMI
(9 months)		 Rs. 20,000 Rs. 9,000
Rs. 2,00,000		 100% of monthly
salary		 No cost EMI – 0%
Customer Interest Bearing : 1.22% p.m.
  • Up to 2% of loan
    amount
CASHeShop
12 EMI
(12 months)		 Rs. 20,000 Rs. 12,000
Rs. 2,00,000		 100% of monthly
salary		 No cost EMI – 0%
Customer Interest Bearing : 1.21% p.m.
  • Up to 2% of loan
    amount

Penal Charges: If the Borrower fails to pay any amount due and payable pursuant to this sanction letter or the loan agreement on the relevant due date or within five days of grace period from the due date or in the event of the occurrence of any other event of default (as specified in the loan agreement to be executed with respect to the Loan read with this sanction letter), penal charges in the terms of the applicable policy of the Lender shall be payable by the Borrower at the rate of 0.1% per day or 36.5% (36.5 percent) per annum excluding GST on the unpaid amount (which includes principal, interest and other charges but excludes Penal Charges), calculated for each day from the due date of payment of the unpaid amounts including the grace period, or the date of occurrence of the event of default, as the case may be, until the date of actual payment of all outstanding amounts or rectification of the event of default, if so permitted.

Foreclosure Charges: For Floating rate loans - Nil, For Fixed rate loans - Up to 5% (Excluding GST)

Cheque/NACH Bouncing Charges: Up to Rs. 500/- (Rupees Five Hundred only) to be charged to the borrower/s in each instance that any cheque is dishonored (under any of the payment modes) and consequently represented OR in each instance that a cheque/ pay order/ demand draft is presented when any instalment/s is/are not received by the BFIL by /upon the issue of debit instructions under the ECS method or direct debit method or any other payment method (other than the PDC method) as selected by the borrower/s for any reasons whatsoever.