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CASHe: Quick Personal Loan App 图标

CASHe 个人贷数据 API

CASHe: Instant Personal Loan App · 信贷 4.3 ★

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CASHe: Quick Personal Loan App 是发行方 CASHe: Instant Personal Loan App（孟买总部）面向印度工薪借款人的 Android 客户端，同一首页覆盖即时个人贷、循环额度、黄金贷、房租贷、先买后付购物贷、数字黄金与应用内 IRCTC 订票。登录走手机 OTP（或 Truecaller），再完成 Aadhaar OKYC / CKYC / 视频 KYC，从 Bhanix Finance、Northern Arc Capital 等合作 NBFC 选方案，并以 Razorpay、PhonePe 或 UPI Autopay 做电子授权还款，活期账本在 EMI、提前结清与账户对账单界面处理。它与 Fibe、KreditBee、Money View、PaySense 争夺印度工薪个人贷市场；Play 评分约 4.4 星、近 39.8 万条评价。

获批个人贷余量落在 availableCreditLimit，实际打入工资账户的卢比是 inHandAmount，旁边是 Equifax 的 equifaxScore 与内部 slqScore。在贷账本给出 loanId、合作方 nbfcName、loanAmount、nextEmiDueDate、nextEmiDueAmount，以及当日结清报价 foreclosureAmount / foreclosureCharges。

薪资放贷方、催收台与合作 NBFC 再拼上 KYC 标记（isOKycVerified、isCKycObtained、aadhaarNumber）和黄金质押克数（goldGramsRequired、ratePer1gm），用来盯剩余额度、催 EMI、把抵押率留在政策内。openData Studio 把这套表面做成可调用的开放数据。

应用截图

  • CASHe: Quick Personal Loan App 应用截图 1
  • CASHe: Quick Personal Loan App 应用截图 2
  • CASHe: Quick Personal Loan App 应用截图 3
  • CASHe: Quick Personal Loan App 应用截图 4
  • CASHe: Quick Personal Loan App 应用截图 5
  • CASHe: Quick Personal Loan App 应用截图 6
  • CASHe: Quick Personal Loan App 应用截图 7

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

  • 签发手机 OTP

    POST /v1/auth/mobile/challenge osint

    按 deviceId 与 appVersion 向 mobileNumber 发送登录 OTP，供校验步骤签发 accessToken。

    认证方式： 无需令牌的 JSON 请求体。后续调用携带校验步骤下发的 Authorization: Bearer accessToken 与 customerId。

    • mobileNumber
    • deviceId
    • appVersion
    • statusCode
    • responseMessage
    POST /v1/auth/mobile/challenge HTTP/1.1
Content-Type: application/json

{
  "mobileNumber": "9876543210",
  "deviceId": "a1b2c3d4-e5f6",
  "appVersion": "9.2.9"
}
    {
  "statusCode": "200",
  "responseMessage": "OTP sent",
  "mobileNumber": "9876543210",
  "otp": null
}

  • 校验手机 OTP

    POST /v1/auth/mobile/session osint

    确认 mobileNumber 的短信 otp，返回登录会话的 accessToken、customerId、customerStatus 与 isOKycVerified。

    认证方式： 无需令牌的 JSON 请求体，含 mobileNumber 与 otp。响应 accessToken 作为 Authorization: Bearer；后续客户调用携带 customerId。

    • mobileNumber
    • otp
    • deviceId
    • accessToken
    • customerId
    • customerStatus
    • sessionId
    • isOKycVerified
    POST /v1/auth/mobile/session HTTP/1.1
Content-Type: application/json

{
  "mobileNumber": "9876543210",
  "otp": "482913",
  "deviceId": "a1b2c3d4-e5f6"
}
    {
  "statusCode": "200",
  "accessToken": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9...",
  "customerId": "CASH-10028441",
  "customerStatus": "ACTIVE",
  "sessionId": "sess-7c2a",
  "isOKycVerified": false
}

  • 客户资料

    GET /v1/borrowers/me osint

    加载已登录借款人名片：customerId、姓名、mobileNumber、emailId、panNumber、aadhaarNumber 以及 KYC 标记 isOKycVerified / isCKycObtained / ckycId。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • customerName
    • firstName
    • lastName
    • mobileNumber
    • emailId
    • panNumber
    • aadhaarNumber
    • customerStatus
    • isOKycVerified
    • isCKycObtained
    • ckycId
    GET /v1/borrowers/me HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json
    {
  "customerId": "CASH-10028441",
  "customerName": "Priya Sharma",
  "firstName": "Priya",
  "lastName": "Sharma",
  "mobileNumber": "9876543210",
  "emailId": "[email protected]",
  "panNumber": "ABCDE1234F",
  "aadhaarNumber": "XXXX-XXXX-3210",
  "customerStatus": "ACTIVE",
  "isOKycVerified": true,
  "isCKycObtained": true,
  "ckycId": "CKYC-884210"
}

  • 授信详情

    GET /v1/borrowers/me/credit-offer openfinance

    返回获批余量（availableCreditLimit、availableCredit）与实际打入工资账户的金额（inHandAmount），以及 processingFee、interestRate、tenure 与合作方 nbfcName。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • availableCreditLimit
    • availableCredit
    • inHandAmount
    • maxCreditEligible
    • minCreditEligible
    • processingFee
    • interestRate
    • annualInterestRate
    • tenure
    • nbfcName
    • nbfcId
    • eligibleForCASHeLoans
    GET /v1/borrowers/me/credit-offer HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "customerId": "CASH-10028441",
  "availableCreditLimit": 85000,
  "availableCredit": 85000,
  "inHandAmount": 79250,
  "maxCreditEligible": 100000,
  "minCreditEligible": 10000,
  "processingFee": 1999,
  "interestRate": 1.5,
  "annualInterestRate": 18.0,
  "tenure": 6,
  "nbfcName": "Bhanix Finance and Investment Limited",
  "nbfcId": "BHANIX",
  "eligibleForCASHeLoans": true
}

  • 循环额度详情

    GET /v1/borrowers/me/revolving-line openfinance

    读取循环额度余量 availableCreditLineLimit（相对 maxCreditlineEligibleLimit），并返回 isEligibleForCreditLine、nbfcLoanApplicationId、loanStatus 与 currentOutstandingAmount。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • availableCreditLineLimit
    • maxCreditlineEligibleLimit
    • isEligibleForCreditLine
    • nbfcLoanApplicationId
    • loanStatus
    • currentOutstandingAmount
    GET /v1/borrowers/me/revolving-line HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "customerId": "CASH-10028441",
  "availableCreditLineLimit": 40000,
  "maxCreditlineEligibleLimit": 50000,
  "isEligibleForCreditLine": true,
  "nbfcLoanApplicationId": "NBFCLA-55201",
  "loanStatus": "ACTIVE",
  "currentOutstandingAmount": 12500
}

  • 在贷列表

    GET /v1/loans/active openfinance

    列出在贷账本：loanId、loanAmount、loanStatus、合作方 nbfcName、disbursedOn、outstandingAmount、emiAmount、noOfEmisDue 与 isOverdue。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • loanId
    • loanAmount
    • loanStatus
    • loanType
    • loanProduct
    • nbfcName
    • disbursedOn
    • inHandAmount
    • outstandingAmount
    • emiAmount
    • tenure
    • noOfEmisDue
    • isOverdue
    GET /v1/loans/active HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "activeLoans": [
    {
      "loanId": "LN-2026-881144",
      "loanAmount": 50000,
      "loanStatus": "ACTIVE",
      "loanType": "PERSONAL",
      "loanProduct": "Insta15",
      "nbfcName": "Bhanix Finance and Investment Limited",
      "disbursedOn": "2026-08-12",
      "inHandAmount": 46500,
      "outstandingAmount": 31200,
      "emiAmount": 9200,
      "tenure": 6,
      "noOfEmisDue": 3,
      "isOverdue": false
    }
  ]
}

  • 按贷款类别查下一期 EMI

    GET /v1/loans/installments/next openfinance

    按 loanCategory 返回下一期：nextEmiDueDate、nextEmiDueAmount、nextEmiAmount、noOfEmisDue、overdueAmount 与 lateFee。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • loanCategory
    • loanId
    • nextEmiDueDate
    • nextEmiDueAmount
    • nextEmiAmount
    • nextEmiTotalAmount
    • noOfEmisDue
    • overdueAmount
    • lateFee
    GET /v1/loans/installments/next?loanCategory=PERSONAL HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "loanCategory": "PERSONAL",
  "loanId": "LN-2026-881144",
  "nextEmiDueDate": "2026-11-05",
  "nextEmiDueAmount": 9200,
  "nextEmiAmount": 9200,
  "nextEmiTotalAmount": 9200,
  "noOfEmisDue": 3,
  "overdueAmount": 0,
  "lateFee": 0
}

  • 提前结清报价

    GET /v1/loans/closure-quote openfinance

    按 loanId 给出当日结清所需金额：foreclosureAmount、foreclosureCharges 与 currentOutstandingAmount，并由 canShowLoanForeclosureOption 控制是否展示。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • loanId
    • foreclosureAmount
    • foreClosureAmount
    • foreclosureCharges
    • currentOutstandingAmount
    • outstandingAmount
    • canShowLoanForeclosureOption
    GET /v1/loans/closure-quote?loanId=LN-2026-881144 HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "loanId": "LN-2026-881144",
  "foreclosureAmount": 31850,
  "foreClosureAmount": 31850,
  "foreclosureCharges": 650,
  "currentOutstandingAmount": 31200,
  "outstandingAmount": 31200,
  "canShowLoanForeclosureOption": true
}

  • 账户对账单

    GET /v1/loans/statements openfinance

    加载 loanId 的账户对账单快照：loanAmount、disbursedOn、outstandingAmount、emiAmount、numberOfEmis 与 isEligibleForSOA。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • loanId
    • customerId
    • loanAmount
    • disbursedOn
    • outstandingAmount
    • emiAmount
    • numberOfEmis
    • noOfEmisDue
    • isEligibleForSOA
    GET /v1/loans/statements?loanId=LN-2026-881144 HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "loanId": "LN-2026-881144",
  "customerId": "CASH-10028441",
  "loanAmount": 50000,
  "disbursedOn": "2026-08-12",
  "outstandingAmount": 31200,
  "emiAmount": 9200,
  "numberOfEmis": 6,
  "noOfEmisDue": 3,
  "isEligibleForSOA": true
}

  • 全部交易

    GET /v1/loans/ledger opendata

    分页返回借款人账本行：transactionId、txnAmount、txnDate、txnType、categoryName 与 loanId（还款、放款、费用）。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • transactionId
    • txnAmount
    • txnDate
    • txnType
    • categoryName
    • loanId
    GET /v1/loans/ledger HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "transactions": [
    {
      "transactionId": "TXN-778210",
      "txnAmount": 9200,
      "txnDate": "2026-10-05",
      "txnType": "EMI_REPAYMENT",
      "categoryName": "PERSONAL_LOAN",
      "loanId": "LN-2026-881144"
    }
  ]
}

  • 信用分汇总

    GET /v1/scores/summary opendata

    返回借款人征信与内部评分：equifaxScore、cibilScore、slqScore、isCreditScoreAvailable、isValidEquifaxInfoAvailable 与 bureauFetchStatus。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • equifaxScore
    • cibilScore
    • slqScore
    • isCreditScoreAvailable
    • isValidEquifaxInfoAvailable
    • bureauFetchStatus
    • costForCreditScoreAggregate
    GET /v1/scores/summary HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "customerId": "CASH-10028441",
  "equifaxScore": 742,
  "cibilScore": 738,
  "slqScore": 81,
  "isCreditScoreAvailable": true,
  "isValidEquifaxInfoAvailable": true,
  "bureauFetchStatus": "SUCCESS",
  "costForCreditScoreAggregate": 0
}

  • 贷款资格校验

    POST /v1/eligibility/checks openfinance

    按申请的 loanAmount/tenure 对照 CASHe 与 SLQ 规则评分，返回 eligibleAmount、inHandAmount、slqScore、minEligibleSalaryAmt 与 nbfcName。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • loanAmount
    • tenure
    • loanCategory
    • eligibleForCASHeLoans
    • isEligibleToTakeLoan
    • eligibleAmount
    • inHandAmount
    • slqScore
    • isEligibleToTakeLoanBasedOnSLQ
    • minEligibleSalaryAmt
    • nbfcName
    POST /v1/eligibility/checks HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "customerId": "CASH-10028441",
  "loanAmount": 40000,
  "tenure": 6,
  "loanCategory": "PERSONAL"
}
    {
  "eligibleForCASHeLoans": true,
  "isEligibleToTakeLoan": true,
  "eligibleAmount": 85000,
  "inHandAmount": 79250,
  "slqScore": 81,
  "isEligibleToTakeLoanBasedOnSLQ": true,
  "minEligibleSalaryAmt": 25000,
  "nbfcName": "Bhanix Finance and Investment Limited"
}

  • Aadhaar OTP

    POST /v1/kyc/identity/otp osint

    对 aadhaarNumber 发送 OTP 以启动 Aadhaar OKYC，返回 isOKycEligible，随后确认 Aadhaar OTP。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • aadhaarNumber
    • statusCode
    • responseMessage
    • isOKycEligible
    POST /v1/kyc/identity/otp HTTP/1.1
Authorization: Bearer <accessToken>
Content-Type: application/json

{
  "customerId": "CASH-10028441",
  "aadhaarNumber": "XXXX-XXXX-3210"
}
    {
  "statusCode": "200",
  "responseMessage": "Aadhaar OTP sent",
  "aadhaarNumber": "XXXX-XXXX-3210",
  "isOKycEligible": true
}

  • 按 IFSC 查银行

    GET /v1/banks/lookup openbanking

    将 IFSC 解析为 bankName、branchName 与 accountType，以便确认放款账户（accountNumber、beneficiaryName）。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • ifsc
    • ifscCode
    • bankName
    • branchName
    • accountType
    GET /v1/banks/lookup?ifsc=HDFC0001234 HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "ifsc": "HDFC0001234",
  "ifscCode": "HDFC0001234",
  "bankName": "HDFC Bank",
  "branchName": "Bandra West",
  "accountType": "SAVINGS"
}

  • 黄金贷详情

    GET /v1/gold-loans/current openfinance

    返回黄金贷单据：goldGramsRequired（按 ratePer1gm 计价）、申请 loanAmount、合作方 nbfcName 与 loanStatus。

    认证方式： Authorization: Bearer accessToken，来自 POST /v1/auth/mobile/session。customerId 标识借款人。

    • customerId
    • goldGramsRequired
    • ratePer1gm
    • loanAmount
    • nbfcName
    • loanStatus
    GET /v1/gold-loans/current HTTP/1.1
Authorization: Bearer <accessToken>
    {
  "customerId": "CASH-10028441",
  "goldGramsRequired": 12.5,
  "ratePer1gm": 6850,
  "loanAmount": 70000,
  "nbfcName": "Northern Arc Capital Limited",
  "loanStatus": "PENDING"
}

数据类别

  • 授信额度
  • 贷款
  • 还款
  • 信用分
  • 身份核验
  • 银行账户
  • 交易
  • 黄金贷

数据使用场景与案例

  • 工薪放贷方的额度监控

    夜间任务按 customerId 读取 availableCreditLimit、inHandAmount 与 eligibleAmount，薪资或先买后付合作方可在推销提额前看到 CASHe 余量。

  • EMI 与逾期催收看板

    催收从在贷 loanId 拉取 nextEmiDueDate、nextEmiDueAmount、noOfEmisDue、overdueAmount 与 lateFee，借款人要结清时再报价 foreclosureAmount。

  • 征信分与 KYC 进件

    进件台把 equifaxScore、cibilScore、slqScore 与 isOKycVerified、isCKycObtained、panNumber、aadhaarNumber 拼在一起，合作 NBFC 可判断 CKYC / 视频 KYC 是否仍挡住放款。

  • 黄金贷抵押率跟踪

    质押台对照 goldGramsRequired、ratePer1gm 与申请 loanAmount，确保抵押率落在合作 nbfcName 政策内再提交贷款申请。

常见问题

CASHe 暴露哪些额度字段？

授信方案接口（GET /v1/borrowers/me/credit-offer）返回 availableCreditLimit、availableCredit 与 inHandAmount，对照 maxCreditEligible / minCreditEligible，并带 processingFee、interestRate、tenure 与合作方 nbfcName。循环额度余量在循环额度接口（GET /v1/borrowers/me/revolving-line）的 availableCreditLineLimit。

能读到 EMI 到期与提前结清报价吗？

可以。下一期还款接口（GET /v1/loans/installments/next）按 loanCategory 返回 nextEmiDueDate、nextEmiDueAmount、noOfEmisDue、overdueAmount 与 lateFee；结清报价接口（GET /v1/loans/closure-quote）按 currentOutstandingAmount 报价 foreclosureAmount 与 foreclosureCharges。

信用分汇总里有哪些征信分？

信用分汇总（GET /v1/scores/summary）含 equifaxScore、cibilScore 与 CASHe 的 slqScore，以及 isCreditScoreAvailable、isValidEquifaxInfoAvailable、bureauFetchStatus。更完整的征信报告是应用中的另一次调用。

应用如何验证借款人？

手机 OTP：先发送（POST /v1/auth/mobile/challenge）再确认（POST /v1/auth/mobile/session），签发 accessToken、customerId 与 customerStatus。后续客户调用带 Authorization: Bearer accessToken。Aadhaar OKYC 是第二道 OTP 步骤。

与 CASHe: Quick Personal Loan App 相似的应用

  • Fibe — Fibe（原 EarlySalary）是印度即时个人贷应用，经旗下 NBFC EarlySalary Services 及合作出借方提供最高 10 万卢比起、6–36 个月期的无抵押贷款。
  • KreditBee — KreditBee 是印度数字放贷应用，经 RBI 注册 NBFC 撮合 6,000 至 10 万卢比起、6–60 个月期的个人贷，应用内同时提供 UPI 支付。
  • Moneyview — Moneyview 是印度理财应用，提供 5,000 至 10 万卢比起、3–60 个月期的无抵押个人贷，并附带 UPI、信用卡与免费 CIBIL 评分查询。
  • Kissht: Instant Personal Loans — Kissht 面向印度工薪与自雇借款人，宣传 1 万至 5 万卢比起、6–60 个月期的无抵押个人贷与经营贷。
  • MoneyTap -Credit Loan Payments — MoneyTap（现为 Freo Credit）面向印度工薪用户，可从获批额度中支取 3,000 至 5 万卢比，利息只按实际动用金额计算。
  • Bajaj Finance — Bajaj Finance 是印度 NBFC，其个人贷产品宣传额度为 4 万至 550 万卢比，公开期限为 12–108 个月。
  • PhonePe — PhonePe 是印度 UPI 超级应用，也经 Aditya Birla、Piramal、IDFC First、L&T Finance、PayU Finance、Credit Saison 等合作出借方提供 6–48 个月期的数字个人贷。
  • Paisabazaar: Credit Score App — Paisabazaar 是印度贷款比价平台，借款人可比较 30 多家出借方最高 50 万卢比的个人贷方案并在线申请。

更多信贷类应用

相关主题

  • CASHe API
  • CASHe 个人贷数据
  • availableCreditLimit
  • inHandAmount
  • equifaxScore
  • nextEmiDueDate
  • foreclosureAmount
  • 印度 NBFC 贷款 API

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