Cashkumar
Cashkumar is an RBI-licensed Indian NBFC-P2P marketplace that connects salaried individuals and partner-backed small merchants with retail lenders for short-tenure personal and working capital loans, using a proprietary multi-bureau underwriting algorithm and an escrow-protected platform.
- Company typePrivate
- Founded2012
- HeadquartersBengaluru, India
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cashkumar does
Cashkumar is an RBI-licensed NBFC-P2P (CoR No. N-02.00299) two-sided online lending marketplace operated by Etyacol Technologies Private Limited and headquartered in Bengaluru, India. Founded in 2012 and active in P2P lending since 2016–2017, the platform connects salaried individual borrowers and small retail/merchant borrowers with retail lenders seeking yield above bank fixed deposits. Its core product mix includes short-tenure personal loans (₹20,000–₹1,50,000, 3–12 months, 18–30% p.a.) for salaried borrowers and very short-tenure (7–28 day) partner-backed working capital loans for kirana stores, pharmacies, supermarkets, and commodity merchants in Tier 2 and Tier 3 cities. Underwriting is driven by a proprietary risk-scoring algorithm that fuses bureau data (CIBIL, CRIF, Experian, Equifax), bank statement analytics, AQBB, and a social profile score, with third-party verification for eKYC, residence, and office checks. The lender side is served by an individual onboarding flow with auto-invest features, an escrow-account structure with virtual sub-accounts, and trustee oversight to safeguard principal.
The business monetises two parallel revenue streams: a borrower processing fee and a lender facilitation fee of 0.5–1.5% of EMIs recovered, supplemented by a capped lender referral bonus (0.5% of disbursed amount in Year 1, max ₹5,000 per referral). Cashkumar operates as both a direct originator (working capital book funded by registered lenders) and a multi-bank aggregator, with disbursement partners including ICICI, HDFC, Kotak, Tata Capital, Bajaj Finserv, IndusInd, Fullerton, Citi, and RBL, enabling comparison-based borrower acquisition on salaried personal loans. Distribution is exclusively digital — cashkumar.com plus an Android app — combined with a partner/agent referral network and SEO across 25+ Indian cities. Reported unit economics are favourable on the new working capital book (100% repayment since March 2021) but overall scale remains small: ₹1.82 crore in current total credit disbursed, 9.36% legacy NPA, and headcount of 11–50 employees.
Cashkumar firmographics
Firmographics- Name
- Cashkumar
- Legal name
- Etyacol Technologies Private Limited
- Website
- https://cashkumar.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cashkumar is an RBI-licensed Indian NBFC-P2P marketplace that connects salaried individuals and partner-backed small merchants with retail lenders for short-tenure personal and working capital loans, using a proprietary multi-bureau underwriting algorithm and an escrow-protected platform.
- Ownership category
- akta.pro rank
Cashkumar industry classification
Industry- Product category
- Peer-to-peer lending
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industries
- Lending & Credit Disbursements (FSAMAKAH), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Cashkumar is headquartered
LocationHeadquarters
- HQ city
- Bengaluru
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Cashkumar business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Processing Fee (Borrower): Cashkumar charges a processing fee from the borrower on every loan facilitated through the platform. The specific amount varies according to the loan amount and is specified in the final loan offer sent to the borrower for acceptance.
- Facilitation Fee (Lender): Lenders are charged a facilitation fee ranging from 0.5% to 1.5% of EMIs recovered, varying depending on the borrower profile and loan amount on a case-to-case basis. The fee is clearly displayed for each loan featured on the platform and is deducted monthly as and when the EMI amount is successfully recovered.
- Referral Bonus: Referral bonus for lenders: 0.5% of the amount disbursed by the referred lender in the 1st year, with a maximum cap of 5,000 per year per referral.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Borrower Personal Loans: Interest Rate 18-30% p.a. flat, Tenure 3-12 months, Loan amount ₹20,000-₹1,00,000 for first-time borrowers, up to ₹1,50,000 for repeat borrowers with good repayment track. |
| Transaction based/ take rate | Monthly | Lender Facilitation Fee: 0.5% to 1.5% of EMIs recovered, deducted monthly upon successful EMI collection. |
| Transaction based/ take rate | Pay-as-you-go | Lender Investment: Minimum investment ₹1,000 per borrower; Average RoI 11-14% for lenders; Tenure 7-28 days for working capital loans. |
| Other | Multi-year contract | Lender Referral Bonus: 0.5% of amount disbursed by referred lender in Year 1, capped at ₹5,000 per referral per year. |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Cashkumar product offering
Product offeringCore offering
Cashkumar operates an RBI-licensed NBFC-P2P (CoR No. N-02.00299) two-sided online marketplace that virtually connects salaried individual borrowers and partner-backed small businesses in India with retail and institutional lenders. The platform facilitates short-term, small-ticket personal loans (₹20,000-₹1,50,000, 3-12 months, 18-30% p.a. flat) for individuals and 7-28 day working capital loans for kirana stores and commodity merchants in Tier 2/3 cities. Loans are digitally underwritten using a proprietary multi-factor algorithm and disbursed through Cashkumar's own P2P pool or via partner banks/NBFCs (ICICI, HDFC, Kotak, Tata Capital, Bajaj Finserv, IndusInd, Fullerton, Citibank, RBL), with lender funds held in a trustee-overseen escrow account.
Product overview
Cashkumar is an RBI-licensed NBFC-P2P (CoR No. N - 02.00299) operating a two-sided online lending marketplace owned by Etyacol Technologies Pvt Ltd. The platform consists of a core P2P lending marketplace that connects borrowers and lenders, supplemented by multiple loan sub-products including Personal Loans, Marriage Loans, Travel Loans, Medical Loans, Home Renovation Loans, Balance Transfer, and Debt Consolidation. The company also offers a separate Working Capital Loans product for partner-backed kirana stores and commodity merchants in tier 2 and tier 3 cities. Supporting tools include an EMI Calculator and Credit Score Checking service. The borrower-facing offering is available via an Android mobile app on Google Play Store. The platform uses a proprietary credit assessment algorithm to evaluate borrowers and assign risk buckets for lenders.
Differentiator
Problem solved
Functional benefit
Products and services
- Cashkumar P2P Lending Platform Two-sided RBI-licensed NBFC-P2P online marketplace that virtually connects borrowers seeking short-term loans with retail and institutional lenders across India, facilitating crowd-funded personal and working capital loans under escrow with trustee oversight; delivered via web platform (cashkumar.com) and Android app (com.cashkumar.android).
- Personal Loans (P2P) Short-term unsecured personal loans of ₹20,000 to ₹1,00,000 for first-time borrowers (up to ₹1,50,000 for repeat borrowers with good repayment history), with tenures of 3-12 months and interest rates of 18-30% per annum flat, available to salaried Indian residents aged 21-56 with PAN, address proof, salary bank account, and minimum monthly salary of ₹20,000-₹30,000; funded either by Cashkumar's P2P lender pool or routed to partner banks/NBFCs (ICICI, HDFC, Kotak, Tata Capital, Bajaj Finserv, IndusInd, Fullerton, Citibank, RBL).
- Working Capital Loans for Partner-Backed Businesses Ultra-short-tenure working capital loans (7-28 days) for kirana stores, supermarkets, pharmacies, and commodity merchants (e.g., wheat merchants) in Tier 2 and Tier 3 Indian cities; loans are extended only to businesses vetted by and dependent on Cashkumar's on-ground partners, yielding a 100% repayment rate on the active book and 12% average RoI for lenders.
Quantifiable outcome
- 100% repayment rate for partner-backed working capital loans (kirana/supermarket/merchant portfolio)
- +3 more outcomes
Companies that use Cashkumar
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Cashkumar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Cashkumar partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- CGAP & Pensaar DesigncoreCGAP (Consultative Group to Assist the Poor) and Pensaar Design partnered with Cashkumar to study data privacy. This partnership indicates Cashkumar's commitment to responsible data practices and financial inclusion, with CGAP being a global partnership focused on advancing financial inclusion in developing countries.
- Kirana Stores and Commodity Merchants (Partner-Backed)coreCashkumar partners with kirana stores and commodity merchants in Tier 2 and Tier 3 cities for its working capital loan product. Loans are only extended to businesses vetted by and dependent on Cashkumar's partners, reducing default risk. This partner network is central to Cashkumar's SME lending strategy.
- ICICI BankminorCashkumar acts as a loan aggregator/marketplace working with ICICI Bank to facilitate personal loans. The platform presents ICICI's loan offers to borrowers and coordinates the application and documentation process.
- HDFC BankminorCashkumar works with HDFC Bank to facilitate personal loans. The platform aggregates HDFC's loan offers alongside other banks/NBFCs, helping borrowers compare and select the best option.
- Kotak Mahindra BankminorCashkumar facilitates Kotak Mahindra Bank personal loans through its platform, providing borrowers with another lending option alongside other bank/NBFC partners.
- Tata CapitalminorCashkumar facilitates Tata Capital personal loans through its platform, with the platform coordinating loan applications and document collection for Tata Capital borrowers.
- Bajaj FinservminorCashkumar facilitates Bajaj Finserv personal loans through its platform. Multiple customer reviews mention successful loan disbursements via Bajaj Finserv through the Cashkumar platform.
- IndusInd BankminorCashkumar facilitates IndusInd Bank personal loans through its platform, as evidenced by multiple customer reviews referencing IndusInd loan disbursements through Cashkumar.
- Fullerton IndiaminorCashkumar facilitates Fullerton India personal loans through its platform. Customer reviews confirm Fullerton as a lending partner on the Cashkumar platform.
- CITIBANKminorCashkumar facilitates CITIBANK personal loans through its platform. Customer reviews reference loans from CITIBANK facilitated through Cashkumar.
- RBL BankminorCashkumar facilitates RBL Bank personal loans through its platform. Customer reviews confirm RBL as a lending partner.
- Credit Information Bureaus (CIBIL, CRIF, Experian, Equifax)coreCashkumar integrates with four licensed Credit Information Companies in India — TransUnion CIBIL, Experian, Equifax, and CRIF Highmark — to pull borrower credit reports and scores as part of its credit evaluation process. A minimum credit score of 600 (or CIBIL 0/-1 for excellent profiles) is required for borrower approval.
Scale indicators10 records
Recent moves7 records
Expansion highlights5 records
Cashkumar competitors and assessment
Company assessmentEmerging players
- MoneyTap: India-based digital lending app offering personal lines of credit and small-ticket loans to salaried professionals. Comparable to Cashkumar's personal loan product for salaried individuals with similar ticket sizes and tenures.
Broad incumbents
- BankBazaar: Indian online marketplace for financial products including personal loans, credit cards, and insurance, partnering with multiple banks and NBFCs. Comparable to Cashkumar's loan aggregator role for personal loans from partner banks.
- KreditBee: India-based digital lending platform offering small-ticket personal loans to salaried and self-employed individuals in Tier 2/3 cities. Comparable to Cashkumar's salaried individual personal loan product (₹20K-₹1.5L) targeting similar underbanked segments.
- Lendingkart: Indian fintech lender providing working capital and SME loans to small businesses across India. Comparable to Cashkumar's SME working capital offering and target segment of underserved small merchants.
- Paisabazaar: One of India's largest financial product comparison and loan aggregation platforms, owned by PB Fintech. Comparable to Cashkumar's bank aggregator function (ICICI, HDFC, Bajaj etc.) as both facilitate borrower access to multiple bank/NBFC personal loan products.
- Flexiloans: Indian digital lending platform providing working capital and business loans to SMEs including kirana stores and small merchants. Comparable to Cashkumar's partner-backed working capital loan product for small businesses in Tier 2/3 cities.
Direct peers
- i2iFunding: India-based RBI-registered P2P lending platform facilitating loans between individual lenders and borrowers. Comparable peer offering similar P2P marketplace mechanics and short-term personal loan products.
- Faircent: One of India's largest RBI-licensed P2P lending platforms connecting individual borrowers with lenders for personal and SME loans. Directly comparable to Cashkumar as a regulated NBFC-P2P marketplace with similar borrower/lender matching model.
- LenDenClub: RBI-registered P2P lending platform in India offering short-term personal and business loans to salaried and self-employed borrowers. Comparable to Cashkumar as a fellow NBFC-P2P marketplace serving similar retail lender and borrower segments.
- RupeeCircle: RBI-registered P2P lending platform in India focused on connecting lenders with vetted borrowers for personal and business loans. Comparable to Cashkumar as a regulated P2P intermediary serving underserved Indian borrowers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cashkumar social profiles
Digital presenceCashkumar compliance and trust
Trust signalCompliance1 record
Cashkumar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cashkumar leadership team
Management profileNumber of profiles
Profiles5 records
Cashkumar funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cashkumar M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cashkumar
What does Cashkumar do?
Cashkumar operates an RBI-licensed NBFC-P2P (CoR No. N-02.00299) two-sided online marketplace that virtually connects salaried individual borrowers and partner-backed small businesses in India with retail and institutional lenders. The platform facilitates short-term, small-ticket personal loans (₹20,000-₹1,50,000, 3-12 months, 18-30% p.a. flat) for individuals and 7-28 day working capital loans for kirana stores and commodity merchants in Tier 2/3 cities. Loans are digitally underwritten using a proprietary multi-factor algorithm and disbursed through Cashkumar's own P2P pool or via partner banks/NBFCs (ICICI, HDFC, Kotak, Tata Capital, Bajaj Finserv, IndusInd, Fullerton, Citibank, RBL), with lender funds held in a trustee-overseen escrow account.
Is Cashkumar a public or private company?
Cashkumar is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cashkumar founded?
Cashkumar was founded in 2012. It employs 11 to 50 people.
Where is Cashkumar based?
Cashkumar is headquartered in Bengaluru, India, in the Asia region.
How does Cashkumar make money?
Three revenue lines are on record. Processing Fee (Borrower) is the primary driver. The others are facilitation Fee (Lender) and referral Bonus.
Who are Cashkumar's main competitors?
MoneyTap is listed as an emerging player. Broad incumbents are BankBazaar, KreditBee, Lendingkart, Paisabazaar and Flexiloans. Direct peers are i2iFunding, Faircent, LenDenClub and RupeeCircle.
Does Cashkumar have an API?
No public API is recorded for Cashkumar.
What industry is Cashkumar in?
Cashkumar's product category is Peer-to-peer lending. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 5222 and its SIC code is 6163.