CASHe Review — Rates, Eligibility & Safety Check
Last verified: pending first manual verification
Some figures below are pending our manual verification cycle — treat them as indicative bands until marked verified.
OperatorBhanix Finance and Investment Limited
Regulated entity behind the appBhanix Finance and Investment Limited
Websitehttps://www.cashe.co.in
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T3 | ₹25,000 – ₹4,00,000 | 270 – 540 days | 2.25% per month – 2.79% per month | 2% – 3% + GST | see KFS | ~24h | ₹12,000 |
Works well
- Lends on its own RBI-registered NBFC book rather than a rotating partner list
- Uses alternative underwriting, so a thin bureau file is not an automatic decline
- Established brand with several years of operating history
Watch out
- Monthly-rate quoting (around 2.25%+ per month) works out to a high annualised cost — check the KFS APR
- Product mix has shifted over time (shorter bullet loans were discontinued); current terms need verification
- Salaried-only positioning
Safety checklist
| Names its NBFC partner publicly | ✅ yes |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | ✅ yes |
What borrowers complain about
Historically among the more complained-about apps on consumer forums for persistent collection calling and difficulty obtaining NOC/closure letters; recent review sentiment appears more mixed than uniformly negative. These are widely reported public patterns, not adjudicated findings.
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