Ganga Cash

"Ganga Cash is a mobile personal loan application for eligible users in India. It helps users access important loan-related information, submit required details, review available terms, and keep repayment records available through a digital service.

Applicants can provide the requested information and complete necessary verification steps within the application. Each request is assessed according to applicable eligibility, KYC procedures, submitted information, and credit evaluation standards. Where loan terms are available, users can review the applicable costs and repayment obligations before confirmation.

Important Loan Information

Before accepting any loan offer, review the KFS, loan agreement, APR, fees, repayment schedule, cooling-off terms, penal charges, and total repayment obligation.

Choose borrowing amounts carefully based on your financial situation. Late or missed repayments may result in charges and may impact future credit access.

Privacy and Help

Ganga Cash processes user information according to its Privacy Policy. Information may support KYC verification, identity checks, application assessment, fraud prevention, loan servicing, repayment administration, account management, and customer support.

Loan Information

- Maximum Loan Amount: ₹2 lakh
- Loan Tenure: 91 to 360 days
- Maximum APR: Up to 36% per annum, including applicable interest and charges
- Processing Fee: Up to 2% of the sanctioned amount, plus applicable GST
- Repayment Terms: Based on the Key Facts Statement and final loan agreement

Loan details may differ between applicants. The final amount, repayment period, interest rate, APR, fees, GST, and total payable amount are determined according to the applicable assessment and approved terms.

Illustrative Loan Example

How a personal loan from Ganga Cash operates:
- Loan Sum: ₹20,000
- APR: 33.28%
- Processing Charge (2% + GST): ₹472
- Disbursement Amount (net of fees): ₹19,528
- Repayment Period: 3 months
- Monthly EMI: ₹7,214
- Total Repayment Amount: ₹21,641
- Total Interest Paid: ₹1,641
- Overall Loan Cost: ₹2,113 (Interest + Processing Charge)

This example is for reference only. Actual repayment details will follow the final information provided before acceptance.

Features Available

Submit Required Details
Provide application information and supporting details through the mobile application.

Review Loan Information
Check available loan terms, charges, repayment dates, and total payable amount before acceptance.

Monitor Application Status
Follow relevant updates during the application assessment process.

Access Repayment Records
Review payment schedules, completed repayments, and available loan information.

Manage Account Details
Update permitted account information according to applicable requirements.

Eligibility Criteria

- Be located in India
- Be 18 years old or above
- Have an active Indian mobile number
- Hold valid government-issued identification
- Have a bank account in their own name
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