Dhani Loans and Services which was previously known as IndiaBulls Consumer Finance Limited and is a subsidiary of Dhani Services Limited has launched Dhani Loans and Services Personal Loan for which you can apply online and avoid the hassle of standing in a queue and unnecessary paperwork. These loans are paperless and easy to avail considering the simple documentation process involved.
*Foreclosure/Pre-payment charges: 5% after 6 months
The step-by-step working procedure to apply for Dhani Loans and Services Personal Loan:
There is no need for borrowers to submit the above documents physically. Instead, these documents can be uploaded directly through the mobile or web application.
Borrowers can avail loans of up to Rs.15 lakh through this app and the amount will be disbursed directly in the account of the applicant.
|Type of charges||Fees|
|Loan foreclosure/pre-payment charges||5% for more than 6 months|
|Bounce charges||For Salaried: Rs.400 per bounce|
|For Self Employed individuals: Rs.750 per bounce|
|Late Payment fee||3% per month|
|Stamp duty charges for loan documentation||As per applicable laws|
|Duplicate NOC||Rs.500 per request|
|Charges for repayment mandate/instrument swapping||Rs.500 per request|
|Charges for loan cancellation Charges||Rs.3000|
|Charges for loan Re-booking||Rs.1500|
|Charges for statement of account||Rs.500|
|Duplicate Repayment Schedule||Rs.500|
No. There is no need for you to provide any security/collateral/guarantor to avail the personal loan from Dhani Loans and Services
You can track the status of your loan application in the loan progress bar if you have applied via the mobile app or the website, or you can write in to email@example.com to know the status of your application.
The interest rates charged on the Dhani Loans and Services Personal Loan are fixed and are computed using the reducing balance method which take into account 30 days a month and 365 days a year during computation.
Unfortunately, no. The Dhani Loans and Services Personal Loan does not allow a co-applicant to be included in the loan application process.
No. After the loan amount has been disbursed to your account, no change can be made to the EMI due date.
During the process of loan sanction, you will have the option to choose the instalment cycle date. At the moment, two due dates are offered by Dhani Loans and Services which is 2nd and 5th of each month.
You can apply for the Dhani Personal Loan on the official websiteDhani Loans and Services . You can also get in touch with the customer care executive of the lender by calling the customer care number, sending your application via post or through email.
The loan amount availed through the Dhani Personal Loan will only be disbursed to a verified bank account. This is done to ensure that the interest of the borrowers is protected.
If for some reason, the documents concerning your loan have not been sent to you on your registered email address, you can call the customer care of Dhani Loans and Services at 0124-6555-555 or write to them at firstname.lastname@example.org. Keep your loan account number handy while seeking assistance.
If you apply through the offline mode, it may take up to 7 days for the process to be complete. The time taken may also vary according to the submission of documents and verification.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.