FocusedCash – Instant Cash

FocusedCash
Flexible credit, ready when you need it
Your funding needs shouldn't be slowed down by process
Life's expenses often come up suddenly — household costs, education fees, medical bills, or short-term cash flow needs. Applying for a new loan every time is time-consuming, and not always necessary.
What FocusedCash aims to do is give you a credit facility you can draw on whenever you need it.
 
One assessment, ongoing availability
Complete a single credit assessment, and eligible users can obtain a revolving credit line. Within your available limit, you can choose how much to use based on your actual needs — no need to draw the full amount at once.
After qualifying repayments are completed, the limit corresponding to the principal repaid may be restored, making it available for future use. Apply once, use multiple times, and avoid the hassle of repeatedly submitting documents.
You decide how much to use
? Use as needed: Within your available limit, freely choose the amount to use
? Restorable limit: After qualifying repayments, your available limit may be restored accordingly
? Flexible tenure: Choose from 3–12 month repayment tenures to match different financial plans
Clear costs, peace of mind
? Maximum limit: ₹100,000 (subject to actual approval)
? Annual Percentage Rate (APR): 18%–35% (depending on credit assessment results)
? Before applying, you can review the applicable limit, tenure, APR, fees, and repayment schedule
 
Why choose FocusedCash?
? Fully online process: From registration and assessment to usage, everything is completed online
? Transparent information: Fees and repayment details are clearly displayed for more confident decisions
? Flexible matching: Multiple amount and tenure options to fit your actual needs
? Security first: Strict protection of your personal information and account security
 
Get started in four steps
1.  Register an account: Download the App and complete registration
2.  Submit your information: Fill in your basic details as prompted
3.  Complete the assessment: The system conducts eligibility and credit assessment
4.  View your limit: Once eligible, view your available limit and choose a usage plan
 
Use responsibly, borrow within your means
A credit line is a tool, not extra income. Borrowing comes with repayment obligations. Please fully assess your income, expenses, and repayment capacity before use, choose an appropriate amount and tenure, and avoid over-indebtedness.
Actual approval results, credit limit, APR, fees, and repayment tenure are all subject to the final assessment results and relevant agreements.

Recent changes:
Fixed known issues.