CashToYou App Reviews, Customer Care Number & Details

Payday loans of ₹1,000 to ₹40,000 for 7 to 28 days via two RBI-registered NBFCs

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

NBFCRBI Regulated

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

CashToYou is a payday loan website run by Design Sense Studio Private Limited, a Delhi company that arranges loans but doesn't lend itself; the money comes from two RBI-registered NBFCs, Mount Shikhar Financial Services and Savantika Vanijya. The thing to know first is that you repay the whole loan in 7 to 28 days, and CashToYou doesn't publish its processing fee or a sample Key Fact Statement. As of October 2026, first-time borrowers can get ₹1,000 to ₹10,000 and repeat borrowers up to ₹40,000, with interest stated at up to 0.2% a day. There's no Google Play app. The site's download page pushes an APK file and tells you to switch off Play Protect, though that link was broken when we checked. Here's what we could confirm and what we couldn't.

Quick Facts

₹40,000

Max Loan

0% to 73% a year

Interest Rate

Claims 'in 5 minutes' (home), 'within 24 hours' (How to get loan) and 'up to 2 days' (FAQ); untested.

Disbursal

7 to 28 days

Tenure

Not disclosed

Processing Fee

Our Ratings

Disbursal speed 2.0/5

The site promises money in 5 minutes, then says within 24 hours and up to 2 days elsewhere, and we couldn't test any of it.

Interest & cost 1.0/5

Up to 0.2% a day is stated, but the fee is unpublished and the lender's own payday range starts at 0.4% a day.

App experience 1.5/5

There's no Play Store app, the APK link was broken, and the download page asked users to switch off Play Protect.

Customer support 2.0/5

Phones, email and a named grievance officer are published, but only for weekday hours, and the lender contacts are listed inconsistently.

Safety & transparency 1.5/5

Both lenders are RBI-registered and confirm the tie-up, but there's no sample KFS, the OTP counts as acceptance and data can go to ad networks.

Loan Details & Charges

Loan Amount ₹1,000 to ₹40,000

Interest Rate 0% to 73% a year

Tenure 7 to 28 days

Processing Fee Not disclosed

Late Payment CashToYou FAQ: overdue interest 0.2% every day. Savantika's lender-wide policy: penal charges up to double the normal interest on the overdue amount.

Foreclosure CashToYou FAQ says early repayment is allowed (no charge stated). Savantika policy: foreclosure charges nil, interest to date payable. Extension (rollover) requires paying 50% of the current loan plus charges (FAQ), but the refund policy says extensions only for natural calamities.

Bounce Charges Not published by CashToYou. Savantika's lender-wide policy: EMI bouncing charges up to ₹590.

Eligibility Criteria

Age 22+ years

Documents Aadhaar and PAN (FAQ); Aadhaar-linked mobile number; active bank account in own name, not a payroll account. Privacy policy also lists bank statements, ITRs and pay slips among data it may collect.

What It Actually Costs

Loan amount ₹10,000

Tenure 28 days, one repayment

Monthly EMI Not applicable: one repayment on day 28

Total interest ₹560 at 0.2% a day

Processing fee Not disclosed

Total repayment ₹10,560 plus any fee

Illustrative: ₹10,000 for 28 days at 0.2% a day, the top rate CashToYou states, costs ₹560 in simple interest, which is 73% a year. At Savantika's payday rates of 0.4% to 1% a day the same loan would cost ₹1,120 to ₹2,800, and since no fee is published we can't say how much would actually reach your account.

Try the CashToYou EMI calculator

Pros

Names two lenders, and both are in RBI's NBFC register as on September 30, 2026
Both NBFCs list CashToYou as their partner app on their own websites
Small first loans of ₹1,000 to ₹10,000, so you aren't pushed to borrow big
The FAQ lists just Aadhaar and PAN as documents, plus a bank account in your name
A named grievance officer with a direct phone line and email

Cons

The whole loan is due in 7 to 28 days in one payment, which is hard on a tight salary
No processing fee, APR or sample Key Fact Statement published anywhere we looked
Not on Google Play; the site pushes an APK and tells users to disable Play Protect
Rates don't match: up to 0.2% a day on CashToYou, 0.4% to 1% a day in Savantika's policy
Support runs 9 am to 6 pm on weekdays only

Our Verdict

CashToYou isn't a fake. Both NBFCs it names are in RBI's register as on September 30, 2026, and both list CashToYou as a partner app on their own websites. That's more than many payday sites can show. But a real lender is the starting point, not a reason to borrow. The loan itself is short and opaque. CashToYou says interest tops out at 0.2% a day, while Savantika's own policy prices payday loans at 0.4% to 1% a day, and neither CashToYou nor its lenders publish the fee. The OTP screen says the approved amount can be paid out automatically and that the terms count as accepted unless you send the money back the same day. Extending a loan means paying 50% of it plus charges, yet the refund policy says extensions are only for natural disasters. The privacy policy also lets your details go to advertising networks. Our view: only consider CashToYou if you've read the Key Fact Statement in full before entering any OTP and you're sure you can repay in one go within the month. For most borrowers, a Play-listed app with monthly EMIs and published fees is the safer choice.

Who CashToYou suits

Borrowers who need a small sum, ₹1,000 to ₹10,000, for a few weeks and can repay it in one go

People who'll read the Key Fact Statement in full before entering any OTP

Repeat borrowers who already know the exact rupee cost from an earlier loan

Look elsewhere if

You need more than a month to repay or want monthly EMIs

You want an app you can install from Google Play, not an APK file

You want the fee and APR in writing before you share your Aadhaar and PAN

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

Things to Watch

Loans of 7 to 28 days are far shorter than the 60 days Google Play requires for personal loan apps, and CashToYou isn't on Play.
The download page tells users to switch off Google Play Protect to install an APK file, which removes your phone's malware check.
Entering the OTP lets the approved amount be paid out automatically, and the terms count as accepted unless you return the money the same day.
The privacy policy allows your information to be shared with third-party advertising networks.
The refund policy warns of criminal action if a recalled loan isn't repaid in one instalment, and says terms can change after payout with no recourse.

How to Apply for CashToYou

1

Verify your mobile number

On the CashToYou website, enter the mobile number linked to your Aadhaar and confirm it with an OTP.
2

Fill in your details

Add your personal, income and bank details with Aadhaar and PAN. A verifier may call you to check them.
3

Read the terms before the next OTP

You sign the contract with an OTP. Before you do, get the Key Fact Statement and check the lender's name, the fee and the rupee amount due.
4

Receive and repay

Money goes to the bank account in your name. You repay the full amount from your account page by UPI or net banking.

Documents Required

Aadhaar card

PAN card

Mobile number linked to your Aadhaar

An active bank account in your own name (not a payroll account)

What Real Users Say

There's no Play Store rating for CashToYou as of October 2026, so we show none. A lack of complaints isn't evidence that it's safe.

We found no verifiable user reviews. CashToYou has no Google Play listing, so there are no dated Play ratings or comments to read, and its website shows none.

What users love

None we could verify.

Common complaints

None we could verify from allowed sources. A Russian lender with the same CashToYou name has its own reviews online, and they aren't about this Indian service.

How CashToYou Compares

vs mPokket — Lends similar small amounts through a Google Play app, so you can read its listing and data safety page before applying.

vs Pocketly — Covers the same small-ticket range from a Play-listed app, and our review sets out its lender and charges for comparison.

vs True Balance — Another Play Store option for small loans if you'd rather not install an app from outside the store.

How we tested

On 30 October 2026 we read every page of the CashToYou website, including its terms, privacy and refund policies, plus both NBFCs' own sites and policies and RBI's NBFC register as on September 30, 2026 (an Internet Archive copy). We searched Google Play and tried the APK link. We couldn't open RBI's Digital Lending Apps directory or its cancelled-registration list, didn't take a loan and found no Play reviews, so fees, the Key Fact Statement and payout speed are untested.

CashToYou Customer Support Details

CashToYou is a website run by Design Sense Studio. The loans come from Mount Shikhar Financial Services or Savantika Vanijya, both RBI-registered NBFCs. Support works 9 am to 6 pm, Monday to Friday, on +91 796 508 2940 or +91 796 508 2941. To escalate, write to grievance officer Saman Bilgrami (+91 796 508 2942). Then email your lender at grievance@mountshikhar.com or Grievancesggb@savantika.com. There is no CashToYou app on Google Play, so never switch off Play Protect to install its APK file.

CashToYou customer care number	+91 796 508 2940
CashToYou WhatsApp number	NA
CashToYou customer support email ID	care@cashtoyou.in
Registered lending entity	Mount Shikhar Financial Services Limited and Savantika Vanijya Private Limited (RBI-registered NBFCs); Design Sense Studio Private Limited runs the website
CashToYou grievance officer email	grievance@cashtoyou.in

Verified from CashToYou'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 CashToYou customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is CashToYou safe and RBI registered?

CashToYou itself isn't RBI registered. It's run by Design Sense Studio Private Limited, which arranges loans for two NBFCs in RBI's register as on September 30, 2026: Mount Shikhar Financial Services and Savantika Vanijya. Both list CashToYou on their own websites. We couldn't open RBI's Digital Lending Apps directory, and the very short tenure, missing fee details and APK install advice are good reasons for caution.

What does a CashToYou loan really cost?

CashToYou says interest runs from 0% to 0.2% a day, with overdue interest at 0.2% a day. On ₹10,000 for 28 days, 0.2% a day comes to ₹560. It doesn't publish a processing fee or APR, and Savantika's own policy prices payday loans at 0.4% to 1% a day. Check the rupee total in your Key Fact Statement before you accept.

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

First-time borrowers can get ₹1,000 to ₹10,000, and repeat borrowers in good standing up to ₹40,000, according to CashToYou's FAQ as of October 2026. The term is 7 to 28 days, repaid in one go rather than in monthly EMIs. An older version of the home page advertised up to 180 days, which the current FAQ doesn't support.

Who can get a CashToYou loan and what documents are needed?

CashToYou's FAQ says you must be 22 or older, have a stable income and hold an active bank account in your own name. It asks for Aadhaar and PAN, and your mobile number should be linked to Aadhaar. It doesn't state a minimum salary or CIBIL score, but its privacy policy says it may pull your credit report.

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

CashToYou lists +91 796 508 2940 and +91 796 508 2941, from 9 am to 6 pm, Monday to Friday, and care@cashtoyou.in. Complaints go to grievance officer Saman Bilgrami at grievance@cashtoyou.in or +91 796 508 2942, then to your lending NBFC. If it's still unresolved after 30 days, you can go to the RBI Ombudsman or call RBI's helpline on 14448.

Is the CashToYou APK safe to install?

We'd avoid it. CashToYou isn't on Google Play, and its download page tells users to switch off Google Play Protect before installing an APK file. Turning that off removes a basic malware check on your phone. When we checked in October 2026, the APK link returned a page-not-found error anyway, so the website is the only working route.

How do I file a complaint against CashToYou?

Work the escalation ladder in order. First, raise the complaint with CashToYou support (care@cashtoyou.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 grievance@cashtoyou.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 CashToYou 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 (grievance@cashtoyou.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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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