CashPey - India's Own Loan App

CashPey – Personal Loans, Mutual Funds & Insurance
CashPey is a digital financial services platform that provides access to personal loans, mutual fund investments, and insurance products along with wellness program through a secure and transparent mobile experience.
CashPey operates as a Loan Service Provider (LSP) facilitating loan applications for its RBI-registered NBFC partners.

PERSONAL LOANS
CashPey enables users to apply for unsecured personal loans through its lending partner:
Naman Commodities Private Limited
Registered Non-Banking Financial Company (NBFC)
Registered with the Reserve Bank of India (RBI)
Certificate of Registration (CoR) No.: B-05.03944
All loans are sanctioned and disbursed solely by the NBFC partner, subject to eligibility and credit assessment.
Loan Details
* Loan Amount: ₹50,000 to ₹5,00,000
* Tenure: 6 months to 36 months
* Interest Rate (per annum): 28% – 36%
* Annual Percentage Rate (APR): Up to 50%
* Processing Fee: Up to 10% of loan amount
* GST on Processing Fee: 18% (as applicable)
All charges, repayment schedules, and applicable fees are disclosed within the application before final loan confirmation.
Representative Example
If a customer applies for ₹1,00,000:
* Interest Rate: 28% per annum
* Processing Fee: 5% (₹5,000)
* GST on Processing Fee (18%): ₹900
* Net Disbursal Amount: ₹94,100
* Tenure: 12 months
* EMI: Approximately ₹9,650
Final loan amount, interest rate, charges, and EMI depend on the applicant’s credit profile and internal credit policies of the lending partner.
Loan Features
* Fully digital application process
* Minimal documentation
* No collateral required
* Flexible repayment options
* Transparent fee structure
* In-app repayment tracking
CashPey does not guarantee loan approval. Loan approval and disbursal decisions are made solely by the NBFC partner.

INVESTMENTS – MUTUAL FUNDS
CashPey provides access to digital mutual fund investment services,SIP through partner platforms.
Investment Features
* 100% digital onboarding
* Online KYC process
* Access to equity, debt, hybrid, and tax-saving funds
* SIP (Systematic Investment Plan) options
* Lump sum investment options
* Real-time portfolio tracking
* Transparent charges
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

HEALTH INSURANCE
CashPey provides access to health insurance products offered by partner insurance providers along with welness program.
Insurance Features
* Cashless hospitalisation at network hospitals
* Coverage for hospitalisation, surgeries, and treatments
* Coverage options for water-borne diseases such as malaria and dengue
* Accidental coverage options
* Flexible premium plans
* Claim assistance support
Insurance coverage, benefits, claims, and approvals are subject to the terms and conditions of the respective insurance provider.
CashPey is not an insurance company and facilitates access to partner insurance products.

DATA PRIVACY & SECURITY
CashPey follows secure data handling practices and collects information necessary for:
* Identity verification (KYC)
* Credit assessment
* Loan processing
* Regulatory compliance
User data may be shared with the NBFC partner and authorised service providers strictly for processing and servicing financial products.
For more information, please refer to our Privacy Policy.

CONTACT INFORMATION
Customer Care Email: info@cashpey.com
Registered Address:
B-51, 2nd Floor,
New Krishna Park, Vikaspuri,
Delhi – 110018, India

IMPORTANT DISCLOSURE
CashPey operates as a Loan Service Provider facilitating loan applications for its RBI-registered NBFC partner. Loan approval, interest rates, tenure, fees, and disbursal are determined solely by the lending partner based on eligibility and internal credit assessment.
All loan-related terms and charges are disclosed within the application before final confirmation.