CASHe
Bharat Ka Money App - Instant Personal Loans & Credit Line
What is CASHe? Complete Overview
CASHe is India's leading instant personal loan app, designed to provide quick and hassle-free financial solutions to salaried professionals. As Bharat Ka Money App, CASHe offers instant personal loans up to ₹3 lakhs, catering to diverse needs like medical expenses, travel, vehicle purchases, and more. Powered by Bhanix Finance and Investment Limited (an RBI-registered NBFC), CASHe leverages AI-powered technology to assess creditworthiness beyond traditional credit scores. With over 21 million registrations and ₹86 billion in loan disbursals, CASHe is transforming financial inclusion across urban and rural India through its 100% digital platform with minimal documentation.
CASHe Interface & Screenshots
CASHe Official screenshot of the tool interface
What Can CASHe Do? Key Features
Instant Personal Loans
Get loans from ₹45,000 to ₹3,00,000 with flexible repayment options (9-18 months). Approval and disbursal happen within hours, with completely digital processing and minimal documentation.
Pre-approved Credit Line
Access up to ₹3 lakhs pre-approved limit with interest charged only on amount used. Can be converted to loan or used for Buy Now Pay Later options.
Lightning Fast WhatsApp Credit
Emergency credit facility providing up to ₹5,000 within 30 seconds via WhatsApp for urgent financial needs.
Digital Gold Investments
Purchase 24k pure gold starting from ₹1, with secure storage and easy liquidation options.
GOLDe Rewards Program
Earn 1% of every loan transaction as digital gold coins, creating additional value for borrowers.
Loan Protection Insurance
Optional insurance coverage that safeguards your loan repayment in case of unforeseen circumstances, with additional health cover benefits.
Diverse Investment Options
Curated investment products offering superior returns, making CASHe a comprehensive financial super app.
Social Loan Quotient (SLQ)
Proprietary AI/ML algorithm that assesses creditworthiness using alternative data points like social media presence, education, and career profile.
Best CASHe Use Cases & Applications
Medical Emergency Funding
Quick access to funds for unexpected medical expenses without lengthy bank procedures, with disbursal possible within hours.
Vehicle Purchase
Finance two-wheeler or car purchases with flexible EMIs tailored to monthly salary cycles.
Education Expenses
Bridge temporary gaps in education fees or related expenses with short-term loans.
Travel Financing
Book trips using Travel Now Pay Later options or get loans for vacation expenses.
Wedding Expenses
Manage wedding-related costs with customized loan amounts and repayment periods.
How to Use CASHe: Step-by-Step Guide
Download the CASHe app from Google Play Store or Apple App Store and complete registration.
Complete KYC verification by uploading required documents (PAN, Aadhaar, salary slip, and address proof).
Select 'Get Loan' option and choose between personal loan or pre-approved credit line.
Enter desired loan amount (₹50,000-₹3,00,000) and select repayment tenure (9-18 months).
Wait for instant approval through CASHe's SLQ algorithm (typically within minutes).
Upon approval, loan amount gets disbursed directly to your registered bank account.
CASHe Pros and Cons: Honest Review
Pros
Considerations
Is CASHe Worth It? FAQ & Reviews
Indian citizens aged 18+ with minimum ₹50,000 monthly salary and active Facebook/LinkedIn profile.
PAN card, Aadhaar, salary slip/bank statement, address proof, and a selfie for verification.
Faster processing, minimal paperwork, no collateral, and credit decisions based on alternative data beyond traditional credit scores.
Yes, CASHe is powered by RBI-registered NBFC Bhanix Finance and follows all RBI regulations for digital lending.
₹3,00,000 for both personal loans and pre-approved credit lines.
Approved loans are typically disbursed within hours, with emergency credit available in 30 seconds via WhatsApp.
CASHe's proprietary credit scoring algorithm that evaluates digital footprint, education, salary, and career profile.
Yes, CASHe allows early repayment without any prepayment charges.