Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Check Offer

Dhani Personal Loan is offered by Dhani Loans and Services Limited, formerly known as Indiabulls Consumer Finance Ltd. It is an NBFC that offers a range of loan options to help you meet your objectives with easy access to financing.

With its quick application process, getting a Dhani Personal Loan is easy and hassle-free. You can borrow up to ₹15 Lakhs for a tenure of up to 24 months with this loan, making it a smart option to consider.

Dhani Personal Loan Interest Rate and Charges

Here are the fees and charges associated with a Dhani Personal Loan:

Interest Rate

13.99% p.a.

Processing Fee

3% onwards

Foreclosure and Prepayment Charges

5%

Penal Charges

3% per month of the outstanding EMI

Dishonour Charges

₹400 per bounce + applicable taxes

Disclaimer: The above rates and charges are subject to change at the lender’s discretion.

Dhani Personal Loan EMI Calculator

Loan Amount
Tenure
Months
Rate of Interest
Personal Loan
Your Monthly Personal Loan EMI
Principle Amount
Total Interest
Total Amount Payable
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year EMI Principal Interest Balance

Why Choose Dhani Personal Loan

  • Easy application

You may apply for a loan of up to ₹15 Lakhs with the Dhani Loan app available on the Google Play Store

  • Minimal Documentation

To apply for a Dhani Loan, you simply have to prove your identity with your Aadhaar card and an address proof

  • Quick approval

If you qualify, the Dhani Loan application will be processed and the amount will be transferred to your account post approval

  • Accessibility

You can use the app from any place and on any phone, enabling you to request and receive a loan anytime

  • Manage Loan Easily

Aside from applying for a Dhani Loan, you can manage, track, and pay your dues through the app.

Eligibility Criteria and Documents Required

Here are the Dhani Personal Loan eligibility criteria you should know before applying:

  • Applicant must be above 21 years

  • Applicant must be a citizen of India

  • Applicant should be employed or self-employed

  • Applicant needs to have an Aadhaar card for KYC and rapid money transfer

Meeting all the eligibility criteria is crucial in increasing the chances of approval. As such, ensure that you meet these criteria before applying. You also need to submit some basic documents to apply for a Dhani Personal Loan. These include:

  • Completed application form as well as passport-sized pictures

  • KYC documents 

  • Address proof 

  • PAN card information

  • Bank account information

  • Pay slips for the previous three months

  • Audited financial statements (last two years)

  • Any other documents that the lender requires

Steps to Apply for a Dhani Personal Loan

For a hassle-process, apply for a Dhani Personal Loan online by following these simple steps:

  • Install the Indiabulls Dhani Personal Loan app from the Google Play Store and Apple App Store

  • Enter your phone number and OTP sent to your number for verification

  • Fill in the loan amount and other details

  • Provide the information needed (employment status, salary, PAN, residence, etc)

  • Submit the application

Once you submit the necessary information, the lender will process your application and verify your identity. If your application gets approved, the sanction amount will be transferred directly to your account.

Dhani’s Customer Support Details

You can contact the customer support team by calling 0124-6555-555 or writing at their email - support@dhani.com. Do remember that the customer support team via call is available between 8AM – 8PM. 

If your query is not resolved by either of the above options, you can contact the corporate office and registered offices. The address for both these offices is available on the lender’s official website. 

DISCLAIMER

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Read More

Frequently Asked Questions

What is the minimum credit score required to avail Dhani Personal Loan?

The minimum credit score for Dhani Personal Loan is not explicitly stated. However, having a credit score, i.e., above 750 is essential in availing affordable credit.

Is there an age limit to apply for Dhani Personal Loan?

Yes, you must be 21 years or above to avail of a Dhani Personal Loan.

How much time is taken for the Dhani Personal Loan to be approved?

The disbursal process of Dhani Personal Loan is almost instantaneous once your application gets approved.

How do I check the status of my Dhani Personal loan application?

You can check the application on the Dhani app or website. You can even contact the customer support team for the same.

How can I get in touch with Dhani customer care?

Dhani's customer support is available from 8:00 a.m. to 8:00 p.m. at the following numbers:

Dhani Credit Line: 022-67737800

Dhani Loans: 0124-6165722

You may also reach out to them by email at support@dhani.com.

Can I make a prepayment on a Dhani Personal Loan?

You can make prepayments on your personal loan from Dhani. Furthermore, if your loan amount is not more than ₹20,000, you do not have to pay any additional charges to use this facility.

Are the interest rates charged on a Dhani Personal Loan fixed or floating?

Dhani Personal Loan interest rates are fixed and are computed through the reducing balance method.

How long does it take for a Dhani Personal Loan to be disbursed?

The loan amount is disbursed to your bank account instantly post approval.

How long will it take to process the loan if you apply offline?

The application process for a Dhani Personal Loan is completely online. Reach out to the lender to check if they provide any alternate facility to apply for the loan.

What should I do if I do not receive the loan agreement, sanction letter, etc.?

If you do not receive the sanction letter or the loan agreement, reach out to Dhani’s customer care team. Provide the required details and raise a request for the required documents.

What additional charges do I need to pay when applying for a Dhani Personal Loan?

Here is a list of charges associated with a Dhani Personal Loan:

  • Interest Rate - 13.99% p.a.

  • Processing Fee - 3% onwards

  • Foreclosure and Prepayment Charges - 5%

  • Penal Charges - 3% per month of the outstanding EMI

  • Dishonour Charges - ₹400 per bounce + applicable taxes

Do note that these rates are subject to change at the lender’s discretion. Reach out to Dhani and confirm the charges before applying for the loan to make an informed financial decision.

Home
active_tab
Loan Offer
active_tab
CIBIL Score
active_tab
Download App
active_tab