CASHe Personal Loan Interest Rates

CASHe is an online lending platform that allows salaried professionals to avail short term personal loans up to Rs. 4...

CASHe is an online lending platform that allows salaried professionals to avail short term personal loans up to Rs. 4 lakh. CASHe offers personal loans at an interest rate starting as low as 2.25% per month. These loans come with a flexible repayment tenure starting from 90 days and extend up to 540 days (1.5 years). The following sections discuss key aspects of CASHe personal loan interest rate including the method of calculating interest adopted by the lender, factors affecting interest rate, ways to get low personal loan interest rates from CASHe and more.

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4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

CASHe Interest Rate for Different Types of Loans

CASHe offers personal loans at an interest rate starting at 2.79% to 3% per month. The interest rates of CASHe personal loans for different tenures are given below:

Loan tenure	Interest per month	Annual Interest Rate
270 days	Up to 3%	Up to 36%
360 days	Up to 3%	Up to 36%
540 days	Up to 3%	Up to 36%

Personal Loan Interest Rates by Other Banks/NBFCs

Bank/NBFC	Interest Rates (% p.a.)	Processing Fees
Aditya Birla Finance	10.99 onwards	Up to 4%
Axis Bank	9.99 onwards	Up to 2%
Bank of Baroda	10.15-18.05	Up to 2% (Max. Rs. 10,000)
Bajaj Finance Limited	10.00-31.00	Up to 3.93%
Bank of India	10.85-16.15	Up to 1% (Min. Rs. 250; Max. Rs. 15,000)
Bank of Maharashtra	8.75-13.55	Up to 1% (Max. Rs. 10,000)
Canara Bank	9.70-15.15	Up to 0.5% (Max. Rs. 5000)
Central Bank of India	9.65-11.55	Up to 1%
Cholamandalam IFC	10.00-28.00	4% - 6%
Dhani Loans & Services Ltd.	13.99 onwards	3% onwards
Federal Bank	11.99 onwards	Up to 2%
HDB Financial Services	10.00 - 35.00	Up to 5.90%
HDFC Bank	9.99 onwards	Up to Rs 6,500
Hero Fincorp	19 onwards	2.3% - 3%
HSBC Bank	9.95-12.00	Up to 2%
ICICI Bank	10.45 onwards	Up to 2%
IDFC FIRST Bank	9.99 onwards	Up to 2%
IIFL Finance	12.75 - 44.00	2% - 9%
Indian Overseas Bank	10.25	Up to 0.75%
IndusInd Bank	10.35 onwards*	Up to 3.5% (2% for instant personal loans for limited period)
Kotak Mahindra Bank	9.98 onwards*	Up to 5%
L&T Finance	11.00 onwards	Up to 3%
Mahindra Finance	8.00 - 25.00	2% of loan amount or Rs. 5,000, whichever is lower
Mannapuram Finance	18.00 - 24.00	1% of loan amount
Moneyview	10.00 onwards	2% onwards
Muthoot Finance	13.50 onwards	Varies for each application
Piramal Finance	12.14 onwards	Up to 5%
Poonawalla Fincorp	9.99 onwards	Up to 3%
Punjab & Sind Bank	9.60-13.85	0.50% - 1%
Punjab National Bank	10.25-16.80	Up to 1%
Shriram Finance	11.00 onwards	Up to 5%
Tata Capital	10.99 onwards	Up to 3.5%
UCO Bank	9.95 - 13.20	Up to 1% (Min. Rs. 750)
Union Bank of India	8.75 - 12.20	Up to 1% (Max. Rs. 7,500)

*Paisabazaar special rates

Note: Rates as of 13th January, 2026

How to Get Low Interest Rates on CASHe Personal Loan?

The following tips could enable you to avail a lower rate of interest on your CASHe personal loan:

Minimize your existing debt
Pay your credit card dues and EMIs on time
Build and maintain a stable history of employment
Have a good SLQ (Social Loan Quotient) score

Factors Affecting Interest Rates

Given below are some important factors which can affect CASHe personal loan interest rates:

Level of education: Generally applicants with a higher level of education are more likely to avail a lower rate of interest on their personal loan as they are more likely to secure good employment opportunities with higher levels of income.
Level of income: Often applicants with higher income are offered a lower rate of interest on personal loans as they are thought to have better repayment capacity and are less likely to default on repayments. On the other hand, applicants with lower annual incomes are often charged a higher rate of interest on personal loans as they pose a relatively higher risk to the lender.
Career experience: Having a good stable history of employment and a steady job can help you avail a lower rate of interest on personal loans as it indicates personal and financial stability.
Age: Usually, with an increase in the age of the applicant, the interest rate charged on personal loans also increases. The reason behind this is that the possibility of an increase in the income level of the applicant decreases as he/she gets closer to retirement.
SLQ score: The SLQ (Social Loan Quotient) is a dynamic score that CASHe calculates using its own proprietary algorithm. Unlike the traditional credit score, this scoring method is unique to CASHe and may be described as a social media behaviour-based credit rating system. This score helps CASHe determine default risk based on an individual’s mobile and social media footprint, education, career, work experience, monthly salary, etc.
Loan amount desired: Often higher loan amounts result in personal loans being offered at higher rates of interest. So you should only borrow an amount that is absolutely necessary and choose a repayment tenure that is best suited to your repayment capability.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

All salaried individuals can avail a personal loan from CASHe, provided they meet the lender’s other eligibility criteria.

You can avail a CASHe personal loan starting from as low as Rs. 1,000 and up to Rs. 4 lakh.

CASHe makes use of the reducing balance method to compute the EMI payable on its personal loans. This method involves calculating interest only on the outstanding loan principal every month and thus, the interest payable decreases with every EMI payment.

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Vandana Punj

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Shamik Ghosh

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