Dhani Personal Loan

About Dhani Personal Loan

Dhani Personal Loan helps you meet financial needs quickly and easily, whether for travel, home renovation, education, or emergencies. Apply anytime through the Dhani app, get instant approval, and receive funds directly in your bank account without lengthy paperwork.

Offered by Dhani Loans and Services Limited (formerly Indiabulls Consumer Finance Limited), it provides minimal documentation, competitive interest rates, and flexible repayment options. With its fast, transparent, and fully digital process, Dhani makes accessing funds simple and hassle-free.

Dhani Personal Loan Details

Dhani Personal Loan Interest Rates – Latest Update

Features and Benefits of Dhani Personal Loan

• Loan Amount: You can borrow between Rs.1000 to Rs.15,00,000 depending on their eligibility and credit profile.
• Instant Approval & Disbursal: The loan amount is approved instantly, and the loan amount get credited in the accounts directly.
• 100% Digital Process: The loan application process is completely online, making it quick and hassle-free. You can submit your documents digitally without visiting any branch.
• Interest Rate: Interest rates start from 13.99% per annum, depending on your credit profile and eligibility.
• Credit Score Friendly: Available to customers even with a low credit score.
• Quick Access to Cash: Cash in times of medical emergencies, rent, travel, wedding or education.
• Minimal Prepayment Charges: Prepayment allowed only after 6 months with an interest charge of 5%.
• No Guarantor Required: Makes it accessible for young and first-time borrowers who are new to loans.
• Customer Support Available: You can call the exclusive Customer Care Number at 0124-6555-555 for any customer-related services.

Eligibility Criteria for Dhani Personal Loan

To apply for a Dhani Personal Loan, you must meet the lender’s basic eligibility norms to ensure you can repay the loan comfortably.

• Age Limit: Applicants must be 21 years or older when applying and should not exceed 60 years by the end of the loan tenure.
• Residency: You must be an Indian citizen with a valid and verifiable residential address in India.
• Occupation: Available for both salaried professionals and self-employed individuals with steady income sources.
• Income Requirement: A regular monthly income, as per Dhani’s credit assessment guidelines, is essential for loan approval.
• Creditworthiness: A good repayment history increases approval chances, though Dhani may consider smaller loans for first-time borrowers.
• Bank Account: An active personal bank account is mandatory for fund transfer and EMI deductions.
• KYC Verification: Applicants must complete the KYC process by providing documents like Aadhaar Card, PAN Card, and recent bank statements.

Documents Required to Apply

You’ll typically need the following documents to complete your online loan application:

• Proof of Identity: Aadhaar Card, PAN Card, Passport, or Voter ID.
• Proof of Address: Aadhaar Card, Passport, Driving Licence, Utility Bill, or Rental Agreement.
• Income Proof: Latest salary slips, bank statements, or income tax returns (for self-employed applicants).
• Photograph / Selfie: For completing e-KYC verification via the Dhani app or website.
• Bank Account Details: Cancelled cheque or bank passbook for EMI setup and loan disbursal.

Tip: Since the process is 100% paperless, you can upload these documents directly in the Dhani app, ensuring faster approval and instant fund transfer.

Dhani Personal Loan Processing Fees and Charges

Different types of Dhani Personal Loans

• Two Wheeler Loan
• Used Car Loan 
• New Car Loan
• Travel Loan 
• Wedding Loan 
• Medical Loan 
• Education Loan
• Top Up Loan

How to Apply for Dhani Personal Loan Online?

The application process is fully digital and can be completed from your phone. Follow these steps:

1. Download the Dhani App from Google Play Store or Apple App Store.
2. Register with your mobile number and verify it using the OTP sent to your phone.
3. Enter your personal details such as name, date of birth, PAN, and employment information.
4. Provide your income information to get an instant loan eligibility result.
5. Submit KYC documents such as Aadhaar, PAN, and recent bank statements for verification.
6. Review your loan offer – check the loan amount, interest rate, EMI, and tenure.
7. Accept the offer and e-sign the loan agreement digitally.
8. Get instant disbursement – the approved loan amount is credited directly to your bank account, usually within minutes.

Tip: Keep your PAN, Aadhaar, and latest bank statement ready before starting the application to speed up the process.

Dhani Personal Loan Customer Care Number

• Dhani is one of the most customer friendly loan service providers. They treat their customers with utmost priority and strive hard towards customer satisfaction.
• Customers can get in touch with the Dhani Customer Care number at 0124-6555-555 between 8AM to 8PM from Monday to Friday for any help and support. You can also call them to provide your feedback to improve their services in future.
• You can send your queries through email to support@dhani.com. A customer service representative will get in touch with you to get your queries resolved.