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IndiaBulls Ventures has launched IndiaBulls Dhani, Phone Se Loan, which is a distinctive mobile application designed to offer instant personal loans. This state-of-the-art app links a large number of major banks in India and puts them under a single roof via Credit Bureaus, UPI, Aadhaar and NACH to offer instant personal loan solutions to customers. These loans are paperless and easy to avail considering the simple documentation process involved.
*Foreclosure/Pre-payment charges: 5% after 6 months. No prepayment charges will apply on loans up to Rs.20,000
The step-by-step working procedure of Dhani mobile application is detailed below:
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.
No. There is no need for you to provide any security/collateral/guarantor to avail the personal loan from Indiabulls Dhani.
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. However, if you have applied through the offline mode, you can write in to care_dhani@indiabulls.com to know the status of your application.
The interest rates charged on the Dhani 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 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 Indiabulls which is 2nd and 5th of each month.
You can apply for the Dhani Personal Loan on the official website of Indiabulls. You can also approach the nearest branch of Indiabulls to apply for the Dhani Personal Loan.
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 Indiabulls at 1860 419 3333 or write to them at care_dhani@indiabulls.com. 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.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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