• Dhani Loans and Services Personal Loan

    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.

    Interest Rate
    Processing Fee
    Loan Amount
    Dhani Loans and Services
    13.99% p.a. onwards
    3% onwards
    Between 3 months and 24 months
    Rs.1,000 – Rs.15 lakh

    *Foreclosure/Pre-payment charges: 5% after 6 months

    How To Apply For Dhani Loans and Services Personal Loan

    The step-by-step working procedure to apply for Dhani Loans and Services Personal Loan:

    • The easiest way to apply for a personal loan from Dhani Loans and Services is by getting in touch with the lender’s customer care service by calling the number 0124-6555-555 anytime between 08:00 a.m. and 08:00 p.m.
    • You can also send a mail to the email ID support@dhani.com.
    • You can also send a request for application for personal loan via post to the address:
      • M-62 & 63, First Floor Connaught Place
        New Delhi - 110001, Tel: 011-30252900
    • A representative from the lender will get in touch with you and will help you with the application process. You will have to submit the necessary documents which will be verified. If all the details provided by you are correct, your application for a personal loan from Dhani Loans and Services will be approved.

    Documents Required to apply Dhani Loans

    • PAN Card
    • Proof of Address
    • Bank Credentials

    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.

    Eligibility for Dhani personal Loans

    • Individuals aged 21 years and above
    • Should be salaried or self-employed
    • Must be an Indian citizen

    Why you should avail Dhani Loans and Services Personal Loan?

    • With the help of Dhani, individuals with good credit record can get financial assistance within minutes at the best interest rate in the market. The interest rates start from 13.99% p.a.
    • The customers can apply for a personal loan for any purpose, be it for marriage, medical requirements, business, home renovation, business, or travelling.
    • The customers get to enjoy an end-to-end application process followed by an instant disbursal directly to their bank accounts.
    • The borrowers needn’t take any hassle of visiting the banks or other lenders. They can conduct the entire process on their smartphone whenever and wherever they want.
    • Applicants belonging to any state, village, and city in India can apply for a personal loan anytime through this app.
    • The easy-to-use interface of Dhani makes the loan application and disbursement procedure extremely easy and quick thus, offering the users the best e-loan experience ever.
    • It is a completely hassle-free way of applying for a personal loan and the applicants needn't go through any documentation process. The loan can be applied and received digitally without any hassles of uploading documents.

    Features and Benefits

    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.

    • To avail loans through Dhani, all you need to do is to verify your identity (with the help of Aadhaar and address proof). If you are found to be eligible, the loan will be sanctioned and disbursed to your account in just 3 minutes.
    • Dhani being a mobile application can be operated on your smartphone anytime, anywhere, and thus it gives you the freedom to request and receive a personal loan even while you are travelling.
    • Dhani Loans and Services not only allows you to get an instant personal loan at the time of need, but it also enables you to manage and track the loan account, pay your outstanding dues, and several other things through your smartphone.

    Fees and Charges

    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

    FAQs on Indiabulls Dhani Personal Loan

    1. Do I need to provide any security/collateral/guarantor to avail the Dhani Loans and Services Personal Loan?
    2. No. There is no need for you to provide any security/collateral/guarantor to avail the personal loan from Dhani Loans and Services

    3. How do I check the status of my online application?
    4. 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 support@dhani.com to know the status of your application.

    5. Are the interest rates on Dhani Loans and Services Personal Loan fixed or floating?
    6. 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.

    7. Can I apply for a Dhani Loans and Services Personal Loan with a co-applicant?
    8. Unfortunately, no. The Dhani Loans and Services Personal Loan does not allow a co-applicant to be included in the loan application process.

    9. Can the EMI due date on my loan be changed?
    10. No. After the loan amount has been disbursed to your account, no change can be made to the EMI due date.

    11. What will be the instalment cycle date on my EMI?
    12. 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.

    13. Apart from the mobile app, is there any other way to apply for the Dhani Personal Loan?
    14. 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.

    15. Can I receive the loan amount in any bank account other than my salary account?
    16. 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.

    17. What should I do if I do not receive the loan agreement, sanction letter, etc.?
    18. 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 support@dhani.com. Keep your loan account number handy while seeking assistance.

    19. How long will it take to process the loan if you apply through the physical mode?
    20. 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.


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