CASHe Personal Loan Interest Rates 2025

Salaried Individuals - Check your Loan eligibility!

CASHe Personal Loan interest rates start from 2.79% per month. These loans come with flexible tenures of up to 18 months, which makes it easy to manage the repayment. Various factors ranging from your income to credit score, can affect the interest rate offered to you. Furthermore, you can compare the rates offered by CASHe with those provided by other lenders available on Bajaj Markets.

Details of CASHe Personal Loan Interest Rates

Let’s understand the interest rates and other details of a CASHe Personal Loan:

Tenure	Interest Rate	Processing Fee
270 Days Loan (CASHe 270)	2.79% p.m.	Up to 5.5% of the loan amount + GST
360 Days Loan (CASHe 360)	2.79% p.m.	Up to 5.5% of the loan amount + GST
540 Days Loan (CASHe 540)	2.79% p.m.	Up to 5.5% of the loan amount + GST

*Disclaimer: The mentioned values are subject to change at the lender’s discretion.

Factors Affecting CASHe Personal Loan Interest Rates

Here are some common factors which may have a major impact on your personal loan interest rate:

1. Credit Score

A high credit score indicates responsible credit behaviour, making you a lower-risk borrower. Thus, the lender may be more willing to offer a lower interest rate to you if you have a high credit score.

2. Income Level

Having higher and stable earnings suggests a lower likelihood of default. This reduces the risk related to the loan for the lender, helping you get a lower interest rate.

3. Employment History

Lenders may view frequent job changes as risky. So, it is essential to be working for at least two to three years in the same organisation, as it demonstrates consistency and reliability.

4. Loan Tenure

Shorter tenures may come with a higher interest rate. On the other hand, longer tenures may offer slightly lower rates. However, the total interest paid may be higher in this case as the charge accrues over a longer period.

5. Debt-to-Income (DTI) Ratio

This ratio compares your monthly debt payments to your income. A lower debt-to-income ratio reassures the lender of your loan repayment capabilities. This may result in you getting favourable loan terms.

6. Relationship with the Lender

You may get better loan terms and lower interest rates if you are a loyal customer of the lender

7. Type of Employment

Your employment type, i.e., whether you are salaried or self-employed, can influence the interest rate. Salaried individuals may receive lower interest rates. This is because their income is fixed and stable. Meanwhile, self-employed individuals and business owners may get higher interest rates. This is due to the perceived instability of their income.

8. Economic Conditions

Factors like central bank policies, inflation, etc., can impact interest rates. In case of an increase in inflation rates and benchmark rates, personal loan interest rates may also surge.

9. Loan Type and Lender

The interest rate offered differs from one lender to another. This is due to the differences in their risk assessment models and product offerings. Also, personal loans with collateral, come with lower interest rates than unsecured loans. Thus, the type of loan and lender you choose can affect your loan’s interest rate.

How To Calculate the EMI for a CASHe Personal Loan?

You can compute the EMI payable on a CASHe Personal loan with the help of 3 important loan terms. These include:

Principal Amount: The amount you borrowed from CASHe
Rate of Interest: The fee for borrowing the loan charged by CASHe
Tenure: The period over which you plan to repay the loan amount

Substitute these details in the following formula to compute the instalment amount of your loan:

EMI = P x R x (1+R) ^N / [(1+R) ^N-1]

Here,

EMI = The monthly instalment amount
P = The principal amount
N = The tenure
R = The rate of interest

You can also use a personal loan EMI calculator to compute the instalment amount quickly. This free digital tool helps you make multiple calculations within seconds without having to perform the calculations manually. It helps you get accurate results and avoid errors or miscalculations usually resulting from manual calculations.

Let’s consider an example and check what your CASHe Personal Loan EMI can amount to. Assume you took a personal loan of ₹10,000 for a tenure of 540 days (about 18 months). As per the interest rate table above, the rate charged for a tenure of 540 days is 2.25% per month which is 27% p.a. When you insert these details in the calculator, the instalment amount is calculated instantly, which is ₹681.77 in this case.

Compare CASHe Personal Loan Interest Rates with Other Partners

Our Partners	Minimum Interest Rate	Maximum Loan Amount	Maximum Loan Tenure
Bajaj Finance Limited	10% p.a.	₹35 Lakhs	96 months
4.7	View Details
CASHe	2.79% p.m.	₹4 Lakhs	18 months
4.4	View Details
Federal Bank	11% p.a.	₹5 Lakhs	48 months
4	View Details
Fibe	14% p.a.	₹5 Lakhs	36 months
4	View Details
Finnable	15.95% p.a.	₹10 Lakhs	60 months
4	View Details
IIFL Finance	18% p.a.	₹5 Lakhs	42 months
4.1	View Details
InCred	16% p.a.	₹10 Lakhs	60 months
4.3	View Details
Kissht	14% p.a.	₹4 Lakhs	24 months
4.2	View Details
Kotak Mahindra Bank	10.99% p.a.	₹40 Lakhs	72 months
4.2	View Details
KreditBee	14% p.a.	₹5 Lakhs	24 months
4.1	View Details
L&T Finance	12% p.a.	₹15 Lakhs	48 months
4.6	View Details
moneyview	1.33% p.m.	₹10 Lakhs	60 months
4.2	View Details
mPokket	24% p.a.	₹45,000	90 days
4.1	View Details
Muthoot Finance	14.50% p.a.	₹15 Lakhs	60 months
4	View Details
Olyv	18% p.a.	₹1 Lakh	12 months
4.1	View Details
PaySense Partners	15% p.a.	₹5 Lakhs	60 months
4.3	View Details
Privo	9.99% p.a.	₹5 Lakhs	60 months
4.5	View Details
SMFG India Credit	12% p.a.	₹25 Lakhs	60 months
4.2	View Details
Upwards	1.5% p.m.	₹5 Lakhs	36 months
4.3	View Details
YES BANK	12.50% p.a.	₹50 Lakhs	72 months
4.2	View Details
Zype	18% p.a.	₹3 Lakhs	12 months
4	View Details

Am I eligible for a personal loan from CASHe?

To be eligible for a personal loan from CASHe you must fulfil the following criteria:

Your age must be between 21 and 40 years
You should be a resident of India
You must be salaried with a minimum monthly salary of ₹18,000

Furthermore, you need to provide some documents when applying for the loan. These include:

Address proof
Aadhaar card
PAN card
Latest bank account statement in which your salary is credited
Photograph

What is the minimum salary required to apply for a CASHe Personal Loan?

To be eligible for a CASHe Personal Loan, you should have a minimum salary of ₹18,000 per month.

Does CASHe offer personal loans at fixed or floating interest rates?

Usually, a CASHe Personal Loan carries a fixed interest rate. However, verify the interest rate details with the lender prior to applying for the loan.

How to check the impact of the interest rate offered by CASHe on my loan EMI?

You can use the personal loan EMI calculator on Bajaj Markets for this. Simply enter the required loan amount, preferred tenure, and interest rate to check the probable EMI. You can also download the amortisation schedule to check the breakdown of each EMI.