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Cashe Personal Loan Calculator

Cashe Personal Loan EMI Calculator, May 2022

Last Updated 25th Oct 2021

  • Personal loan EMI in Cashe depends upon loan amount, loan tenure, interest rate, monthly salary and company that you work for.
  • Cashe Personal Loan EMI Calculator is an online tool to estimate monthly EMI and its division into principal and Interest during the entire loan tenure.
  • Lowest monthly EMI is ₹ 9,897 per lakh on Cashe Bank personal loan as calculated using the lowest interest rate of 33.00% for the longest tenure of 12 months.
  • For example, the table below gives the EMIs on Cashe Personal Loan at different loan amounts and loan tenure, if taken at the lowest rate.
Loan Amount1 Year Loan3 Year loan1 Year loan
₹ 1 Lakh₹ 9,897₹ 4,411₹ 9,897
₹ 5 Lakh₹ 49,484₹ 22,056₹ 49,484
₹ 10 Lakh₹ 98,969₹ 44,111₹ 98,969

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Personal Loan EMI Calculator Cashe

Cashe Personal Loan EMI is a fixed amount of money paid by you to Cashe based on your loan amount, tenure and interest rate. Every month, it is due on a fixed day of the month till the loan is fully paid back. You can calculate your Cashe personal loan EMI in advance, to plan your loan payments and further expenses, using the Personal Loan EMI Calculator Cashe. The calculator functions on a mathematical algorithm and gives accurate results in no time.

Why should you use Cashe Personal Loan EMI Calculator?

  • Calculate the EMI within your budget: Helps you compare the EMIs with a different loan amount and tenure. Always talk to the bank to know the interest rate you will be eligible for Cashe personal loan which can range between 33.00% to 33.00%.
  • Compare Cashe personal Loan EMI: Helps you compare the estimated EMI on a personal loan from Cashe with that of leading banks in India using the same loan amount of upto ₹ 3 Lakh for a maximum tenure of 12 months, but at different interest rates.
  • Calculate interest on Cashe personal loan: You can calculate the split of total EMIs into interest and principal repayment on your loan from Cashe over the loan tenure.
  • Detailed amortisation schedule: This allows you to see the pace at which your principal amount will be repaid during the loan tenure month on month. This is helpful if you decide to prepay your loan at Cashe or balance transfer to another bank.

Cashe Personal Loan EMI Calculator to Estimate the EMI that Fits your Budget

Input different loan amounts and tenure at the eligible interest rate on Cashe Personal Loan EMI calculator to calculate various EMIs at different rates and tenure. The table captures the calculation of Cashe Personal Loan EMI Calculation at the various combinations of loan amount and years when taking at the lowest rate of 33.00%. So if you think that you can afford to pay an EMI of ₹ 10,000 in your budget, taking a ₹ 3 Lakh loan for 3 years or ₹ 5 Lakh loan for 5 years, maybe the right Cashe personal loan plan for you.Personal Loan EMI is calculated for Cashe for different loan amounts and tenures at the rate of 33.00%.

Loan Amount (Rs.)2 Years3 Years1 Years
1 Lakh ₹ 5,747 ₹ 4,411 ₹ 9,897
3 Lakh ₹ 17,241 ₹ 13,233 ₹ 29,691
5 Lakh ₹ 28,734 ₹ 22,056 ₹ 49,484
10 Lakh ₹ 57,469 ₹ 44,111 ₹ 98,969

Factors Affecting Cashe Personal Loan EMI

  • Loan amount – You will pay a higher EMI for the higher loan amount. Cashe gives a minimum loan of ₹ 1,000 and a maximum loan amount of ₹ 3 Lakh.
  • Interest rate - Higher interest rate increases your loan EMI as well as the total cost of the loan. Cashe personal loan interest rate for salary account holders can be lower than their quote rates, which can reduce the overall cost of loan and EMI. Lowest interest rate offered by Cashe is 33.00%. However, it is advisable to do complete market research and compare rates online before you apply for a loan.
  • Loan tenure – This is the period over which you can repay your loan in Cashe. So, your EMI will be lower if you take a 12months loan from Cashe as compared to a loan taken for 3months. The logic being that if you get a longer period to repay, you can repay in a smaller instalment.

Comparison of Cashe Personal Loan EMI with other Banks

Bank Name Interest Rate Loan Amount of ₹ 1 Lakh Loan Amount of ₹ 5 Lakh Loan Amount of ₹ 10 Lakh
Cashe33.00% ₹ 9,897 ₹ 49,484 ₹ 98,969

Cashe Personal Loan Amortization Calculator

Cashe Personal Loan amortization schedule gives a break up of your monthly EMI into interest and principal repayment. Cashe gives you a detailed amortisation schedule with the sanction letter and you can calculate the total interest outgo as well as the pace at which your loan amount will be repaid during the loan tenure.

How to read an amortization schedule

Suppose if you take a Personal Loan of ₹ 4.50 Lakh for 2 years from Cashe at an interest rate of 33.00%. EMI calculated for this loan amount is ₹ 25,861 and the total annual EMIs to be paid annually is ₹ 3,10,331. The EMI schedule of loan for 2 years is explained below in the table –

Amortization Schedule for a Personal Loan of ₹ 4.50 Lakh over the 2 years

Year Interest paid during the year Principal repaid during the year Total amount paid during the year (Interest + Principal) Outstanding Principal
2022 ₹ 88,025 ₹ 1,18,862 ₹ 2,06,887 ₹ 3,31,138
2023 ₹ 75,898 ₹ 2,34,433 ₹ 3,10,331 ₹ 96,705
2024 ₹ 6,739 ₹ 96,705 ₹ 1,03,444 ₹ 0

In the above illustration, on a Cashe Personal Loan of₹ 4.50 Lakh, taken at the lowest interest rate of 33.00, EMI paid is ₹ 25,861 and an annual total of EMIs is ₹ 3,10,331, the interest component is ₹ 1,21,634 while the principal component is ₹ 1,88,696 in year 1 of loan disbursement. You repay only 41.93% of the total principal after paying 12 EMIs during the first year.

Cashe Personal Loan Interest Calculator Formula

Cashe calculates personal loan EMI based on the following formula

P*r* (1+r)^n/([(1+r)^n]-1)

Here is an illustration of how Cashe Personal Loan EMI is calculated:

In the above formula,

P = Loan amount.Cashe personal loan amount can range from ₹ 1,000 to ₹ 3 Lakh.

r = Rate of interest per month. The current Cashe Personal Loan rate is 33.00%.
n = Tenure in month. This can range up to 12months in case of Cashe.

How to use Cashe Personal Loan EMI Calculator

  • Cashe personal loan calculator are online tool which give out EMI calculations using a combination of loan amount, interest rate and loan tenure.
  • Cashe EMI calculator considers “reducing balance basis” and assumes that payment of EMI is made in arrears meaning interest is charged for the month preceding the EMI payment date and not in advance.

Cashe Personal Loan EMI for ₹ 1 Lakh

The following table shows Cashe Personal Loan EMI for ₹ 1,00,000 for different tenures at an interest rate of 33.00%

Loan AmountInterest RateTenure(Year)EMI
₹ 1,00,00033.00% 1₹ 9,897
₹ 1,00,00033.00% 2₹ 5,747
₹ 1,00,00033.00% 3₹ 4,411
₹ 1,00,00033.00% 4₹ 3,777
₹ 1,00,00033.00% 5₹ 3,422

Cashe Personal Loan EMI for ₹ 3 Lakh

The following table shows Cashe Personal Loan EMI for ₹ 3,00,000 for different tenures at an interest rate of 33.00%.

Loan AmountInterest RateTenure(Year)EMI
₹ 3,00,00033.00% 1₹ 29,691
₹ 3,00,00033.00% 2₹ 17,241
₹ 3,00,00033.00% 3₹ 13,233
₹ 3,00,00033.00% 4₹ 11,331
₹ 3,00,00033.00% 5₹ 10,266

Cashe Personal Loan EMI for ₹ 5 Lakh

The following table shows Cashe Personal Loan EMI for ₹ 5,00,000 for different tenures at an interest rate of 33.00%.

Loan AmountInterest RateTenure(Year)EMI
₹ 5,00,00033.00% 1₹ 49,484
₹ 5,00,00033.00% 2₹ 28,734
₹ 5,00,00033.00% 3₹ 22,056
₹ 5,00,00033.00% 4₹ 18,886
₹ 5,00,00033.00% 5₹ 17,110

Cashe Personal Loan EMI for ₹ 10 Lakh

The following table shows Cashe Personal Loan EMI for ₹ 10,00,000 for different tenures at an interest rate of 33.00%.

Loan AmountInterest RateTenure(Year)EMI
₹ 10,00,00033.00% 1₹ 98,969
₹ 10,00,00033.00% 2₹ 57,469
₹ 10,00,00033.00% 3₹ 44,111
₹ 10,00,00033.00% 4₹ 37,772
₹ 10,00,00033.00% 5₹ 34,220

How to Pay Cashe Personal Loan EMI?

There are various online & offline methods to pay your Cashe Personal Loan EMI. To repay your Cashe EMI online, you can log in to your net banking account or else you can also use the mobile banking of Cashe. Cashe also allows you to pay EMI through ECI or standing instructions or a cheque facility by visiting the nearest Cashe branch.


Why should I calculate Cashe loan EMI before taking a loan?

It is advised to calculate personal loan EMI in advance before taking a personal loan. There are several benefits of calculating your Cashe personal loan EMI. For instance, if you want to avail Cashe personal loan at the lowest rate of 33.00% and your monthly EMI, which comes out at ₹ 9,897 is more than your monthly budget. You have the chance to apply for a lower loan amount that fits your monthly budget and makes EMI easily affordable. In addition, if you already know the EMI you have to pay each month, you can plan your expenses accordingly. Finally, based on the EMI amount, you can opt to make a prepayment of your loan in the future when you have a surplus amount.

What is the lowest EMI per lakh offered by Cashe on a personal loan?

Cashe offers a personal loan at a 33.00% interest rate for a maximum of 12 months, and hence lowest EMI per lakh loan amount is ₹ 9,897. However, Cashe may offer a lower interest rate to you if you hold your salary account with the bank or if you are an existing customer.

How can I pre-close Cashe personal loan?

You can pre-close your Cashe personal loan by visiting the branch with the required set of documents. Submit the form of preclosure, pay the amount and take the acknowledgement of the balance amount that you have paid.

What are the prepayment charges on Cashe ?

Cashe offers you an option of prepayment after 0 months at .You have to pay these charges if you decide to pay the loan amount before the due date.

Is there any processing charge on a personal loan from Cashe?

Yes, Cashe charges a certain amount of processing fee to process your loan application. Currently, Cashe charges a processing fee of 1.50%-2% of loan amount, upto Rs. 1200 on a Personal Loan.

Will I get a personal loan from Cashe if I have a bad credit score?

No, for taking a loan from Cashe, you must have a good credit score of 700 and above. Usually, most banks avoid giving loans if you have a low credit score.Also, availing a personal loan at low cibil score might fetch you a high Cashe personal loan rate.

What is the EMI for a₹ 20 Lakh personal loan in Cashe Bank?

At the current rate of 33.00%, EMI on Cashe personal loan for loan amount ₹ 20 Lakh varies based on the loan tenure. For instance, for 2 year, 3 year and 6 years, EMI is ₹ 83,373, ₹ 96,312 and ₹ 1,40,546 respectively.

Can I have a co-applicant while applying for a Personal loan with Cashe ?

Yes, you can opt for a co-applicant to take a personal loan from Cashe that will increase your loan eligiblity as the income of the co-applicant is also taken into account.

Can we pay more than EMI in Cashe personal loan?

If you have funds, then you can pay more than the regular EMI on your Cashe Personal Loan. This will reduce your interest burden along with the outstanding principal. You can also pay one additional EMI every year to reduce loan tenure and in turn interest amount.

How can I pay my Cashe loan EMI?

You can pay the Cashe personal Loan EMI by using the ECS facility or standing instruction. You can also visit the branch and submit the EMI cheque or can opt for automated deductions from your salary account.

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Cashe Personal Loan News - May 2022
  • 2019-05-30 : Women are borrowing more than men, reveals CASHe
    An online lending company, CASHe has revealed in a survey that women are opting for more loans as compared to men. They have witnessed an increase of nearly 15%-18% in women who are opting for loans like personal loans, travel loans, wedding loans, credit cards than men in the past two years to meet their financial requirements.
  • 2019-05-17 : CASHe to double lending to Rs. 1,000 crore in FY19, plans to widen travel segment
    CASHe, the app-only digital lending company is aiming to double its loan book during this fiscal. It is targeting disbursements of nearly Rs. 1,000 crore with a special emphasis on the travel segment. The company is also in talks with several online travel companies to expand its travel segment to meet the needs of travellers who apply for personal loans to finance their travel.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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