Our Loan Products
Bhanix Finance and Investment Ltd. offers short-term personal loan products to young working professionals. We aim to be a strong partner for our customers for all needs of their financial life. Via our mobile-enabled technology platform, CASHe, we offer both easy and convenient access to all our loan products. Our services are fully digital and available to customers 24/7 with instant quick loan decisions and pay-outs. We aim to build a long-lasting relationship with our customers and continuously help them to meet their financial needs on demand. CASHe provides immediate short-term personal loans to young professionals based on their mobile data, social profile, merit and earning potential using its proprietary algorithm based machine learning platform called SLQ - Social Loan Quotient. Launched in April 2016, CASHe provides almost instantaneous loans on-demand. Its user-friendly digital interface enables faster loan application and quicker loan disbursals. CASHe is completely automated and requires no personal intervention and no physical documentation. The time taken for loan disbursal is subject to proper submission of all information and documents.
- Processing Time up to 5 hrs
Subject to proper documentation - Interest Rate 2.79% p.m. onwards
- Loan Amounts Rs.45,000 - Rs.3,00,000
- Tenure 9 months, 1 year and 1.5 year.
- Avail Instant loans from CASHe, India’s fastest loan giving app for young salaried professionals.
- Maintain a positive credit profile with CASHe and reapply as many times as needed without re-submitting documents.
- Get loan approved within 5 hours subject to proper documentation
- Loans available from Rs. 45,000 – 3,00,000 for 9 months to up to 1.5 year
- Over 3 million verified customers are enjoying a new way of borrowing cash though CASHe
- Interest rates on par with credit cards. No hidden charges!
- No loan officers. Upload the required documents on the app itself and at your convenience.
- Flexi repayment methods.
Tenure: 9 months
Rate of Interest: 2.79% P.M (33.5% p.a.)(Reducing balance interest rate)
Min. Salary Eligibility: Rs. 40,000
Minimum loan: Rs. 45,000
Maximum loan: Rs. 2,50,000
Tenure: 12 months
Rate of Interest: 2.88% P.M (34.5% p.a.)(Reducing balance interest rate)
Min. Salary Eligibility: Rs. 40,000
Minimum loan: Rs. 50,000
Maximum loan: Rs. 3,00,000
Tenure: 18 months
Rate of Interest: 3% P.M (36% p.a.)(Reducing balance interest rate)
Min. Salary Eligibility: Rs. 50,000
Minimum loan: Rs. 75,000
Maximum loan: Rs. 3,00,000
- Loans available for salaried professionals only
- Should have a minimum net take home salary of Rs 40,000
- Bank statement should reflect monthly salary credit
- Documents uploaded should be legible and matching with the information given on the app
- Your photograph – Take a clearly visible selfie of yours or upload one photograph from your image gallery
- PAN card
- Address proof – (Any one) Aadhar Card/Passport/Driving License/Voter’s Identity Card or Utility Bills i.e. Electric/landline phone bill/ Gas Bill (not more than 2 months old)
- Latest salary slip
- Bank statement – Please ensure your latest bank statement clearly shows your latest salary details along with the bank name, your account number, your name and the IFSC details
- Please ensure the documents uploaded are clearly visible and are self-attested as per KYC norms
