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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Bhanix Finance and Investment Limited offers short-term unsecured Personal Loans through its CASHe digital lending platform. The product is designed primarily for young salaried and working professionals and provides a fully digital application and loan journey.

Eligible customers can avail of loans ranging from ₹45,000 to ₹3 lakh, with repayment tenures of 9 months, 12 months or 18 months. The application, documentation and processing are carried out digitally through the CASHe platform.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

According to Bhanix Finance's published product information:
Applicant should be a salaried professional.
Minimum monthly take-home salary:
��40,000 for 9-month and 12-month products
��50,000 for the 18-month product
Salary should be credited to the applicant's bank account.
Applicant should provide valid KYC and income documents.
A valid PAN and officially valid identity/address documents are required.
Final loan amount and approval are subject to Bhanix Finance's credit assessment and applicable lending policy.

Features & Benefits

???? Loan Amount: ₹45,000 to ₹3 lakh
???? Tenure: 9 months, 12 months or 18 months
???? Unsecured Personal Loan: No collateral required
???? Digital Application: Apply through the CASHe platform
�� Quick Processing: Digital processing with quick loan decisions, subject to documentation and eligibility
????‍???? For Salaried Professionals: Designed primarily for working/salaried professionals
???? Digital Documentation: Documents can be uploaded online
???? Bank Account Disbursal: Approved loan amount is transferred to the borrower's bank account
???? Repeat Loans: Existing eligible customers may be able to reapply subject to lender criteria
???? Flexible Repayment: EMI-based repayment options are available.

Fees & Charges

ChargeDetailsProcessing Fee – First TimeUp to 5.5% of loan amountProcessing Fee – Repeat LoanUp to 5% of loan amountInterest Rate – 9 Months2.79%–3% per monthInterest Rate – 12 Months2.79%–3% per monthInterest Rate – 18 Months2.79%–3% per monthPenal ChargesAs per applicable policy and loan agreementForeclosure – Floating RateNilForeclosure – Fixed RateUp to 5%, excluding applicable GSTCheque/NACH Bounce ChargesUp to ₹500 per instanceGSTApplicable taxes are charged as per prevailing regulations
The exact interest rate and charges offered to a borrower depend on the product, customer profile and applicable Bhanix Finance policy.

Documents Required

KYC Documents
PAN Card
Aadhaar Card
Passport
Driving Licence
Voter ID
Other officially valid address/identity documents
Income & Banking Documents
Latest salary slip
Bank statement showing salary credit
Bank account details
Photograph/selfie
Other documents requested during the digital KYC process
Documents should be clear, valid and consistent with the information provided in the application.

FAQs

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Eligible customers can avail of up to ₹3 lakh under the current CASHe personal-loan products.

The current product range starts from ₹45,000 for the 9-month product.

The current listed personal-loan tenures are 9 months, 12 months and 18 months.

The published product information lists rates of approximately 2.79%–3% per month, depending on the product and customer profile.

The current product is primarily for salaried professionals meeting the applicable income and other eligibility criteria.

The published criteria indicate a minimum monthly salary of ₹40,000 for the 9- and 12-month products and ₹50,000 for the 18-month product.

No. The product is an unsecured personal loan, so property or other collateral is not required.

Eligible existing customers may reapply for a loan, subject to Bhanix Finance's applicable credit and eligibility criteria.

Terms & Conditions

Loan approval is subject to Bhanix Finance's credit assessment and applicable lending policy.
The final loan amount, interest rate and tenure may vary according to the customer's profile.
Processing fees and applicable taxes are payable as per the prevailing schedule.
Penal charges may apply in case of delayed repayment.
Foreclosure/prepayment charges, where applicable, will be charged according to the applicable loan terms.
KYC and income verification are mandatory.
The borrower must provide accurate and complete information and documents.
Final terms will be governed by the sanction letter, Key Fact Statement and loan agreement.
Terms and conditions apply.

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