Bhanix Finance Personal Loan

Features of Bhanix Finance Personal Loans

A Bhanix Finance Instant Personal Loan is designed to move quickly, from application to credit in minutes. It’s built for professionals who need short-term financing without formalities.

• Loan disbursal is instant once the digital checks are complete.
• Tenures available: 9 months, 12 months, and 18 months — selected upfront.
• The entire process is app-based, via CASHe on Android or iOS.
• No CIBIL required — approval is based on alternate data like salary, bank activity, and device behaviour.
• Repeat loans can be accessed directly through the same user profile.
• Real-time verification reduces waiting, no in-person visits or paper forms.
• Trusted track record: Over 3.5 million loans disbursed, with high user satisfaction for speed and convenience.

Eligibility Criteria for Bhanix Finance Personal Loans

The Bhanix Finance Personal Loan eligibility criteria are designed to serve salaried professionals with consistent income. There’s no reliance on CIBIL scores, and approvals are driven by internal AI-based risk evaluation.

Here’s what applicants must meet:

• Age: Minimum 21 years at the time of application.
• Income: Must have a monthly net salary (amount not publicly disclosed).
• Employment: Paid while working for a recognised business, either public or private.
• Location: Living in a CASHe service region, which includes the majority of Tier 1 and Tier 2 cities.
• Digital access: Must apply via the CASHe mobile app (Android or iOS).
• Mobile verification: SIM must be active and linked to the applicant’s identity.
• Bank account: In applicant’s own name, with regular salary credits.

Bhanix Finance Fees and Charges

Every applicant should be aware of the Bhanix Finance Personal Loan fees and charges before signing up. While loan approvals are fast and paperless, a few standard deductions may apply at the time of disbursal or during repayment delays.

Common Charges You May Encounter

Documents Required for the Bhanix Finance Personal Loan

To complete the application process, here’s the list of Bhanix Finance Personal Loan documents required through the CASHe app. All uploads must be clear, readable, and self-attested as per KYC norms.

Identity & Photograph

• A clear selfie (live click or upload from gallery)
• PAN Card (mandatory for identity verification)

Address Proof (any one)

• Aadhaar Card
• Passport
• Voter ID
• Driving License
• Utility Bill (electricity, landline, or gas bill — not older than 2 months)

Income & Banking

• Latest salary slip
• Recent bank statement showing:
• Salary credit
• Applicant’s name
• Bank name
• Account number
• IFSC code

How to Apply for a Bhanix Finance Personal Loan

The Bhanix Finance Personal Loan application process is handled through Urban Money, an official loan marketplace that connects you directly with NBFCs like Bhanix Finance.

• Follow these steps to apply:
• Visit the Urban Money website on your mobile or desktop browser.
• Navigate to the ‘Loans’ section and click on ‘Personal Loan’.
• From the available lending categories, select ‘NBFC’.
• Locate Bhanix Finance in the lender list and click ‘Apply Now’.
• Fill in your personal, employment, and contact details accurately.
• Submit the form. An executive from the Urban Money team will reach out for further verification and assistance.

Calculating Your Bhanix Finance Personal Loan EMI

Before you apply, it’s important to understand how much you’ll repay each month. You can use any standard Bhanix Finance Personal Loan EMI calculator online to estimate your monthly outflow based on the amount, tenure, and interest rate.

Here’s a quick illustration:

Tips for Successful Bhanix Finance Personal Loan Approval

Here are some essential Bhanix Finance Personal Loan approval tips to improve your chances of getting verified and funded quickly:

• Use your primary mobile number – one that’s linked to your Aadhaar and bank account.
• Keep all documents ready, including a recent salary slip and bank statement that clearly shows salary credit.
• Avoid blurry uploads – take a selfie and upload documents that are well-lit and self-attested.
• Don’t apply multiple times in quick succession — it may flag your profile.
• Ensure stable internet access while applying through Urban Money or uploading documents via the app.