AbhiCash App Reviews, Customer Care Number & Details

Salaried-only short loans, lent by Delhi NBFC C.N.M.P. Investments

This AbhiCash app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified AbhiCash customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHNo CIBIL NeededRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 30 October 2026

AbhiCash is a small Noida-run app offering short personal loans to salaried borrowers, and the money is lent by C.N.M.P. Investments Private Limited, a Delhi NBFC that is on RBI's register. Before you apply, know this: its own Play Store example works out far costlier than the 36% APR ceiling it advertises, and its privacy policy claims access to your contacts. As of October 2026 the listing offers ₹5,000 to ₹2 lakh over 62 to 365 days. Interest is charged flat and the processing fee comes off before the money lands. Borrow ₹15,000 for 3 months and, by AbhiCash's own maths, you receive ₹14,174 and repay ₹16,350. It's a tiny app with 5K+ downloads, and its newest reviews swing between quick-approval praise and complaints about fees, stuck applications and calls to references.

Quick Facts

3.6★ · 49

Play Store

₹2L

Max Loan

14% to 36% a year

Interest Rate

Website: approval "typically takes just a few hours" and funds arrive "within 24 hours of approval". Recent Play reviewers report applications still under process after 10 days and loans never disbursed.

Disbursal

2 months to 12 months

Tenure

₹500 to ₹11,918 depending on loan amount and tenure, GST treatment not stated (Play listing)

Processing Fee

₹15,000 per month

Min Income

Play Store rating sourced from Google Play, as of 30 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 2.0/5

The site promises money within 24 hours of approval, but recent reviewers describe applications stuck for days and loans that never came.

Interest & cost 1.5/5

Flat interest up to 36% plus an upfront fee makes the real cost far higher than the advertised APR, and late fees run up to 8.33% a month.

App experience 2.0/5

A 3.6 rating from 49 reviews on a small 5K+ install base, and the website's download buttons still point to a Play page that no longer exists.

Customer support 2.0/5

There's a phone line, email and a named grievance officer, but contact details differ across the app's and lender's pages and reviewers report no replies.

Safety & transparency 2.0/5

The lender is RBI-registered, but the data safety form contradicts the app's own permission list and the privacy policy claims contacts access.

Loan Details & Charges

Loan Amount ₹5,000 to ₹2,00,000

Interest Rate 14% to 36% a year

Tenure 2 months to 12 months

Processing Fee ₹500 to ₹11,918 depending on loan amount and tenure, GST treatment not stated (Play listing)

Late Payment Up to 8.33% per month, minimum ₹500 + GST (Play listing).

Foreclosure No prepayment charges (Play listing); the website also mentions a 3-day cooling-off period with no prepayment penalty.

Bounce Charges Bounce charge ₹500 + GST; mandate rejection ₹250 + GST (Play listing).

Eligibility Criteria

Age 21+ years

Min Income ₹15,000 per month

CIBIL Score Not required

Employment Salaried only per the Play listing; the website also shows a self-employed tab (business or freelance income)

Documents PAN, Aadhaar, bank statement of salary account (Play); website adds a selfie, latest salary slips and 3 months of bank statements

What It Actually Costs

Loan amount ₹15,000

Tenure 3 months

Monthly EMI ₹5,303

Total interest ₹909

Processing fee ₹826 (₹700 plus 18% GST of ₹126), deducted upfront

Total repayment ₹15,909

Uses the inputs of AbhiCash's own Play example on a reducing balance, so you'd receive ₹14,174. AbhiCash actually charges flat interest, so its own example has you repay ₹16,350, which is more than this table shows.

Try the AbhiCash EMI calculator

Pros

Names its lender, C.N.M.P. Investments, which is on RBI's NBFC register
Publishes a worked example showing the fee, the amount you receive and the total repayment
No prepayment charge, so closing early cuts your interest
Short document list: PAN, Aadhaar and a salary account bank statement
The lender publishes a named grievance officer with a phone number and email

Cons

Flat interest plus an upfront fee pushes the true cost far above the 36% APR it advertises
Late payment charge of up to 8.33% a month, with a minimum of ₹500 plus GST
Play data safety says no data is collected, which contradicts its own permission list
Privacy policy lists contacts and installed-apps access
Loan limits and eligibility differ between the Play listing and the website

Our Verdict

AbhiCash clears the first hurdle: it names its lender, and that lender is real. C.N.M.P. Investments Private Limited appears in RBI's list of registered NBFCs as on September 30, 2026, under the New Delhi regional office. We couldn't open RBI's Digital Lending Apps directory to confirm the app is reported against it, so check that yourself before sharing documents. The problems start after that. The listing promises an APR of 0% to 36%, yet its worked example charges ₹2,176 on a ₹15,000, 3-month loan once the flat interest and the ₹826 fee are added. On the ₹14,174 you actually receive, that's far above 36% a year. Late payment can cost up to 8.33% a month. Google Play's data safety section says the app collects nothing, while the same listing describes SMS, location, device and camera access, and the privacy policy adds contacts and installed apps. One recent reviewer says the company rang reference numbers and threatened to misuse photos. That's one user's claim, but it fits the permissions. Our view: treat AbhiCash as a last resort. If you do borrow, take the smallest amount, read the Key Fact Statement line by line and refuse contacts access. Most salaried borrowers will find clearer pricing at KreditBee, mPokket or True Balance.

Who AbhiCash suits

Salaried borrowers who need a small, short loan and have been turned down by bigger regulated apps

People who can repay within a few months and want no prepayment charge

Borrowers who'll read the Key Fact Statement closely and decline extra phone permissions

Look elsewhere if

You want a reducing-balance rate where the real APR matches the advert

You're self-employed, since the Play listing accepts salaried applicants only

You don't want an app that may ask for your contacts and phone data

Not sure the app is genuine? Is AbhiCash real or fake? How to check it yourself

Things to Watch

The advertised APR of 0% to 36% doesn't match the listing's own example, which costs ₹2,176 on a ₹15,000 loan over 3 months.
Google Play's data safety section says the app collects and shares nothing, yet the listing describes SMS, location, device and camera access.
The privacy policy claims contacts access, which RBI's digital lending rules tell lending apps to stay away from.
A recent reviewer alleges calls to reference contacts and threats involving photos after a missed payment.
The AbhiCash and lender websites still link to a Google Play page that returns 'Not found'.

How to Apply for AbhiCash

1

Install the right app

Search Google Play for Abhicash and confirm the developer details show Abhicash Infotech and the partner NBFC C N M P Investments. The download links on the AbhiCash website lead to a dead Play page.
2

Register and check eligibility

Sign up with your mobile number, then add your salary details, PAN and Aadhaar.
3

Upload documents

Share your salary account bank statement and a selfie. Allow only what KYC needs and refuse any request for your contacts.
4

Read the offer and KFS

Before you accept, note the amount you'll actually receive, the flat interest, the processing fee and the total you'll repay.
5

Repay on time

Pay by UPI, net banking, debit card or auto-debit inside the app and keep every receipt, because late payment can cost up to 8.33% a month.

Documents Required

PAN card

Aadhaar card

Bank statement of your salary account (the website asks for the last 3 months)

A recent selfie

Latest salary slips (listed on the website)

What Real Users Say

Play shows 3.6 from 49 reviews and 5K+ downloads as of October 2026. Many five-star posts are a single word such as 'good' or 'nice', and one five-star review actually complains about service, so the score tells you little.

The newest Play reviews, from late July to late October 2026, split almost evenly between very short five-star posts and one-star complaints.

What users love

Happy users mention a simple application and quick approval, and one says it helped with a small emergency. Even a four-star reviewer says the interest is high.

Common complaints

Complaints cover heavy upfront processing fees, a loan still under process after 10 days, people who never got a loan, a borrower who repaid but couldn't open the app to get a no-dues certificate, and support that doesn't answer. One reviewer alleges the company called reference contacts and threatened to misuse photos.

How AbhiCash Compares

vs KreditBee — A much bigger, established regulated lender for small personal loans, and a better fit if you may need a larger amount later.

vs mPokket — Built for small, short loans, so it's a better first stop if you only need a few thousand rupees.

vs True Balance — Serves a similar ticket size through regulated lending and is worth comparing before you accept AbhiCash's flat-rate pricing.

How we tested

On 30 October 2026 we read AbhiCash's Google Play listing, its data safety page and the newest dated reviews, plus the AbhiCash website's FAQ, support, terms and privacy pages. We checked C.N.M.P. Investments' own site, grievance documents and Fair Practices Code, and matched it against RBI's NBFC register as on September 30, 2026. We couldn't open RBI's Digital Lending Apps directory or MCA company records, and we didn't take a loan, so speed and recovery conduct come from user reports.

AbhiCash Customer Support Details

AbhiCash is run by Abhicash Infotech. The loans come from C.N.M.P. Investments, an RBI-registered NBFC. Support works Monday to Saturday, 10 am to 7 pm, and is closed on Sundays. To escalate, write to Grievance Redressal Officer Komal Bisht (+91 81305 93366, gro@cnmp.in). The lender's older fair practices code names Siddharth Muradhiya on the same number, at pno@cnmp.in, so send your complaint to both addresses. AbhiCash's terms list one more grievance line, 011-45008000.

AbhiCash customer care number	9999966040
AbhiCash WhatsApp number	8130556640
AbhiCash customer support email ID	support@abhicash.in
Registered lending entity	C.N.M.P. Investments Private Limited (RBI-registered NBFC); Abhicash Infotech Private Limited runs the app
AbhiCash grievance officer email	gro@cnmp.in

Verified from AbhiCash's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full AbhiCash customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is AbhiCash safe and RBI registered?

AbhiCash isn't an NBFC itself. Abhicash Infotech Private Limited runs the app, and the loans come from C.N.M.P. Investments Private Limited, which is on RBI's NBFC register as on September 30, 2026. So the lender is regulated. We couldn't confirm the app in RBI's Digital Lending Apps directory, though, and its privacy policy claims contacts access, so grant only the permissions KYC needs.

What does an AbhiCash loan really cost?

Interest runs up to 36% a year, charged flat, and the processing fee ranges from ₹500 to ₹11,918 depending on amount and tenure. AbhiCash's own example: borrow ₹15,000 for 3 months, receive ₹14,174 after the ₹826 fee, and repay ₹16,350 in EMIs of ₹5,450. That's ₹2,176 in total cost, much more than a 36% APR would suggest.

How much can I borrow from AbhiCash and for how long?

As of October 2026 the Play listing offers ₹5,000 to ₹2 lakh, repaid over 62 to 365 days. The website disagrees: its FAQ caps loans at ₹50,000 for up to 1 year, while another section mentions up to ₹5 lakh and ₹10 lakh. Go by the amount in your loan offer and Key Fact Statement, not the adverts.

Who can get an AbhiCash loan and what documents are needed?

The Play listing says you must be salaried, at least 21 and take home ₹15,000 a month. You'll need PAN, Aadhaar and a bank statement from your salary account, and the website also asks for a selfie, recent salary slips and 3 months of statements. It says a good credit score helps but isn't mandatory.

What is the AbhiCash customer care number and how do I complain?

AbhiCash lists 9999966040 and support@abhicash.in, Monday to Saturday, 10 AM to 7 PM. If that doesn't work, write to the lender's grievance officer, Komal Bisht, at gro@cnmp.in or call +91 81305 93366. If your complaint isn't resolved within 30 days, take it to the Reserve Bank of India through its complaint system.

Does the AbhiCash app access my contacts?

Its Play listing describes SMS, device, location and camera access, and its privacy policy goes further, listing contacts and installed apps. RBI's digital lending rules tell lending apps to stay away from contact lists. One reviewer says the company phoned reference numbers. Refuse any contacts permission, and report misuse to the lender's grievance officer and your local cyber police.

How do I file a complaint against AbhiCash?

Work the escalation ladder in order. First, raise the complaint with AbhiCash support (support@abhicash.in) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at gro@cnmp.in. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from AbhiCash recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (gro@cnmp.in), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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82	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
83	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
84	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
85	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	You're here
86	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
87	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
88	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
89	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
90	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
91	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
92	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review