Bhanix Finance and Investment Limited

Our Sourcing Partners

HiCredit

MyMoneyMantra

GRO Details Of Sourcing Partners

Supporting partners

Our Lending Partners

MAS financial Services Ltd.
GRO Details
Mr. Bharat Mori.
Tel:079 41106 500
Email:crm.masfin@mas.co.in

Vivriti Capital Pvt. Ltd.
GRO Details
Vamshi Vasudevan, Head-Institutional Risk.
Tel:044-40074801
Email:grievanceredressal@vivriticapital.com

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

Customer care, Grievance Redressal & RBI Sachet Portal Details

Customer Care:
Bhanix Finance & Investment Ltd.
Tel:022-46047350
Email:support@bhanix.in

Grievance Redressal Officer:
Ms. Pushpinder Kaur
Bhanix Finance and Investment Limited
Tel:022-46047350
Email:bhanix@bhanix.in

Principal Nodal Officer:
Ms. Pushpinder Kaur
Bhanix Finance and Investment Limited
Tel:022-46047350
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/

Collection Agencies

Global Associates
Mumbai

Micro Management Associates
Delhi

S V Enterprises
Mumbai

UR Credit Solutions
Mumbai

Visesh Credit Services
Bangalore

Diallo
Mumbai

Prerna Enterprises
Mumbai

Xplore Tech Services Pvt Ltd (Fusion Bpo)
Mohali

DG Consultancy
Mumbai

All Set Business Solution
Chennai

Unique Business Solution
Chennai

Konexions Back Office Services Pvt Ltd
New Delhi

Saviour Management Service
Chennai

Vivadi Management Services Pvt Ltd (B W Credit)
New Delhi

Manasvi Enterprise
Mumbai

Asl Enterprise
Mumbai

India Lends
Gurgaon

Guna associate
Telangana

Vinayak Marketing Consultant Pvt. Ltd
Mumbai

Vipatra Technologies Pvt ltd /DPD zero
Bangalore

Credit Product Suite

(Bhanix Finance & Investment Ltd. | Mas financial Services Ltd. | Vivriti Capital Pvt. Ltd.)

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 1^st Time Processing
Fee Processing Fee for
Repeat Loans

CASHe 90
(3 months) Rs 12,000 Rs. 1,000
Rs. 110,000 110% of the net
monthly salary 2.5% / month on loan
amount (Equivalent reducing
balance interest rate 3.71% per EMI)

6.5% of loan amount
below Rs.10K

5.5% of Loan amounts
above Rs.10K

4.5% of loan
amount below 10K

3.5% of Loan
amounts above 10K

CASHe 180
(6 months) Rs 20,000 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)

6.5% of loan amount
below Rs.10K

5.5% of Loan amounts
above Rs.10K

4.5% of loan
amount below 10K

3.5% of Loan
amounts above 10K

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)

6.5% of loan amount
below Rs.10K

5.5% of Loan amounts
above Rs.10K

4.5% of loan
amount below 10K

3.5% of Loan
amounts above 10K

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)

6.5% of loan amount
below Rs.10K

5.5% of Loan amounts
above Rs.10K

4.5% of loan
amount below 10K

3.5% of Loan
amounts above 10K

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)

6.5% of loan amount
below Rs.10K

5.5% of Loan amounts
above Rs.10K

4.5% of loan
amount below 10K

3.5% of Loan
amounts above 10K

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. 12,000 Rs. 5,000 - Rs. 200,000 Up to 200% 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 1^st time Processing Fee Repeat Processing Fee

Rs. 1,000 - Rs. 258,000 3 - 9 months Up to 200% of net
monthly salary 0 - 9.13% per annum Zero to 5.5% for loans
over Rs 10,000 Zero to 3.5% of loans over
Rs 10,000

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 1^st Time Processing
Fee Processing Fee for
Repeat Loans

Gpay 90
(3 months) Rs 12,000 Rs. 1,000
Rs. 100,000 100% of monthly
salary 2.5% / month on loan
amount

6.5% of loan
amount for
Loans below Rs.10K

5.5% of the loan
amount for
Loans above 10K

4.5% of the loan
amount for
Loans below Rs. 10K

3.5% of Loan
Amount for
Loans above Rs. 10K

Gpay 180
(6 months) Rs 20,000 Rs. 35,000
Rs. 200,000 200% of the net
monthly salary 2.5% / month on loan
amount

6.5% of loan
amount for
Loans below Rs.10K

5.5% of the loan
amount for
Loans above 10K

4.5% of the loan
amount for
Loans below Rs. 10K

3.5% of Loan
Amount for
Loans above Rs. 10K

Gpay 270
(9 months) Rs 25,000 Rs. 50,000
Rs. 250,000 300% of monthly
income 2.25% / month on loan
amount

6.5% of loan
amount for
Loans below Rs.10K

5.5% of the loan
amount for
Loans above 10K

4.5% of the loan
amount for
Loans below Rs. 10K

3.5% of Loan
Amount for
Loans above Rs. 10K

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 1^st Time Processing
Fee Processing Fee for
Repeat Loans

CASHeShop
3EMI
(3 months) Rs 12,000 Rs. 1,000
Rs. 60,000 100% of monthly
salary Zero

6.5% of loan
amount for
Loans below Rs.10K

5.5% of the loan
amount for
Loans above 10K

Zero

CASHeShop
3EMI
(6 months) Rs 15,000 Rs. 6,000
Rs. 60,000 200% of monthly
salary 0.5% / month on
loan amount

6.5% of loan
amount for
Loans below Rs.10K

5.5% of the loan
amount for
Loans above 10K

4.5% of the loan
amount for
Loans below Rs. 10K

3.5% of Loan
Amount for
Loans above Rs. 10K

Product	Min. Monthly Salary Eligibility	Loan Amt. Min - Max	Loan Eligibility Max.	Rate of Interest	1^st Time Processing Fee	Processing Fee for Repeat Loans
CASHe 90 (3 months)	Rs 12,000	Rs. 1,000 Rs. 110,000	110% of the net monthly salary	2.5% / month on loan amount (Equivalent reducing balance interest rate 3.71% per EMI)	6.5% of loan amount below Rs.10K 5.5% of Loan amounts above Rs.10K	4.5% of loan amount below 10K 3.5% of Loan amounts above 10K
CASHe 180 (6 months)	Rs 20,000	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)	6.5% of loan amount below Rs.10K 5.5% of Loan amounts above Rs.10K	4.5% of loan amount below 10K 3.5% of Loan amounts above 10K
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)	6.5% of loan amount below Rs.10K 5.5% of Loan amounts above Rs.10K	4.5% of loan amount below 10K 3.5% of Loan amounts above 10K
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)	6.5% of loan amount below Rs.10K 5.5% of Loan amounts above Rs.10K	4.5% of loan amount below 10K 3.5% of Loan amounts above 10K
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)	6.5% of loan amount below Rs.10K 5.5% of Loan amounts above Rs.10K	4.5% of loan amount below 10K 3.5% of Loan amounts above 10K

Product	Min. Monthly Salary Eligibility	Loan Amt. Min - Max	Loan Eligibility Max.	Rate of Interest	1^st Time Processing Fee	Processing Fee for Repeat Loans
Gpay 90 (3 months)	Rs 12,000	Rs. 1,000 Rs. 100,000	100% of monthly salary	2.5% / month on loan amount	6.5% of loan amount for Loans below Rs.10K 5.5% of the loan amount for Loans above 10K	4.5% of the loan amount for Loans below Rs. 10K 3.5% of Loan Amount for Loans above Rs. 10K
Gpay 180 (6 months)	Rs 20,000	Rs. 35,000 Rs. 200,000	200% of the net monthly salary	2.5% / month on loan amount	6.5% of loan amount for Loans below Rs.10K 5.5% of the loan amount for Loans above 10K	4.5% of the loan amount for Loans below Rs. 10K 3.5% of Loan Amount for Loans above Rs. 10K
Gpay 270 (9 months)	Rs 25,000	Rs. 50,000 Rs. 250,000	300% of monthly income	2.25% / month on loan amount	6.5% of loan amount for Loans below Rs.10K 5.5% of the loan amount for Loans above 10K	4.5% of the loan amount for Loans below Rs. 10K 3.5% of Loan Amount for Loans above Rs. 10K

Product	Min. Monthly Salary Eligibility	Loan Amt. Min - Max	Loan Eligibility Max.	Rate of Interest	1^st Time Processing Fee	Processing Fee for Repeat Loans
CASHeShop 3EMI (3 months)	Rs 12,000	Rs. 1,000 Rs. 60,000	100% of monthly salary	Zero	6.5% of loan amount for Loans below Rs.10K 5.5% of the loan amount for Loans above 10K	Zero
CASHeShop 3EMI (6 months)	Rs 15,000	Rs. 6,000 Rs. 60,000	200% of monthly salary	0.5% / month on loan amount	6.5% of loan amount for Loans below Rs.10K 5.5% of the loan amount for Loans above 10K	4.5% of the loan amount for Loans below Rs. 10K 3.5% of Loan Amount for Loans above Rs. 10K