The same trust. A different journey.
While Grow Money Capital lends through 50+ branches to MSMEs and underserved borrowers, CashVia is designed for India's urban salaried borrower — someone who wants a personal loan they can apply for, get sanctioned and receive entirely from their phone, in under 15 minutes.
CashVia operates as a separate brand, backed by Grow Money Capital. The backing means CashVia benefits from GMC's regulatory rigour, fair-practices code, and grievance escalation path — while retaining its own product team, technology stack and customer journey purpose-built for digital-native borrowers.
How CashVia and Grow Money Capital work together.
Independent brand & app
CashVia operates as its own consumer brand with its own app, marketing, and product team — serving urban salaried borrowers at cashvia.in.
Backed by Grow Money Capital
CashVia draws on GMC's RBI licence, lender relationships, capital base and underwriting playbook — built up over a decade of lending.
Shared compliance discipline
Same Fair Practices Code, same grievance redressal escalation path, same RBI disclosure norms. The consumer-facing experience is independent; the regulatory backbone is shared.
What CashVia offers.
- Instant personal loans — ₹10,000 to ₹2,00,000 for salaried borrowers in tier 1 & 2 cities
- Tenures from 3 to 24 months — for short-term needs (emergency, festivals, gadgets, travel)
- 100% digital journey — eKYC via Aadhaar, e-NACH for repayment, instant bank disbursal
- Decisioning in minutes — proprietary credit model evaluates bank statement, salary and bureau score
- Available on app & web — Android, iOS, and responsive web at cashvia.in
Why this product is housed separately.
Digital personal lending and branch-led MSME lending have fundamentally different operating models — different customer journeys, risk profiles, marketing channels and tech requirements. Operating CashVia as a separately branded venture lets us:
- Move faster on product/UX iterations specific to digital-first audiences
- Maintain dedicated technology and product teams without organisational friction
- Preserve the institutional discipline of Grow Money Capital for its core MSME book
- Build a consumer brand that fits the urban salaried borrower's expectations
The CashVia–GMC arrangement is disclosed in the digital lending partners list, and CashVia's role and contact details are published on the Digital Lending Partners page.
Regulatory relationship.
For loans originated through CashVia that are booked on Grow Money Capital's balance sheet, GMC is the lender of record and the regulated entity for the borrower. CashVia operates as a digital lending partner under the framework of the RBI Digital Lending Directions 2025. Full disclosure of the CashVia–GMC partnership structure, grievance officer contacts and privacy details is available on the Digital Lending Partners page.