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SahiSujhav is paid by no lender. This comparison is independent.
When borrowers compare loan apps, the EMI number is what gets compared. This is the wrong metric — and it is why millions of Indians pay more than they need to.
This comparison uses the only honest metric: True APR — the Annual Percentage Rate including all charges, calculated on the actual amount disbursed.
Same loan. Same borrower profile. All three apps compared.
The Standard Test
Loan parameters: Amount: ₹1,00,000 Tenure: 24 months Borrower profile: Salaried, CIBIL 700, income ₹35,000/month
Metrics compared: Advertised rate Processing fee + GST Effective disbursed amount (what you actually receive) Monthly EMI Total repayment True APR (Newton-Raphson IRR on actual cashflows)
CASHe
Advertised rate: 27–33% per annum
Charges for this profile: Processing fee: 2.5% + GST = ₹2,500 + ₹450 = ₹2,950 deducted upfront Amount received: ₹97,050
KFS APR (disclosed): 28–34% (range reflects variation)
For this borrower at 28% interest: Monthly EMI: ₹5,378 Total repayment: ₹1,29,072 True APR (including processing fee): 35.8%
Our assessment: CASHe is reasonably transparent. Their KFS is generally provided. The gap between advertised rate and true APR is moderate (28% vs 35.8%) — primarily driven by the processing fee.
MoneyView
Advertised rate: 15.96–39.99% per annum
Charges for this profile: Processing fee: 2% + GST = ₹2,000 + ₹360 = ₹2,360 deducted Amount received: ₹97,640
For this borrower at 18% interest: Monthly EMI: ₹4,992 Total repayment: ₹1,19,808 True APR: 24.1%
Our assessment: MoneyView's rate range is wider than CASHe's, which suggests more variance by profile. For borrowers who qualify at the lower end of their range, MoneyView can be competitive. KFS compliance is generally good.
KreditBee
Advertised rate: 17–29.95% per annum
Charges for this profile: Processing fee: 2.5% + GST = ₹2,500 + ₹450 = ₹2,950 deducted Amount received: ₹97,050
For this borrower at 22% interest: Monthly EMI: ₹5,135 Total repayment: ₹1,23,240 True APR: 29.4%
Our assessment: KreditBee's 22% for a 700-CIBIL borrower is reasonable for the market. Processing fee impact is similar to CASHe.
The Comparison Summary
| App | Test Rate | True APR | Total Repayment | Rating |
|---|---|---|---|---|
| MoneyView | 18% | 24.1% | ₹1,19,808 | Best ✓ |
| KreditBee | 22% | 29.4% | ₹1,23,240 | Second |
| CASHe | 28% | 35.8% | ₹1,29,072 | Third |
For this standard profile, MoneyView is cheapest by approximately ₹9,264 in total repayment vs. CASHe.
Important Caveat
These are estimated rates for a standard profile. Your actual rate will vary based on your specific CIBIL, income level, employment type, and each app's proprietary credit model. Always:
Request KFS from all three before accepting any loan Enter the specific numbers from your KFS into SahiSujhav's APR calculator Choose based on your actual offer, not these estimates
Compare your specific loan offers from all three apps using SahiSujhav's free APR calculator — no inquiries triggered at www.sahisujhav.com
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