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India Bulls personal Loan

India Bulls personal Loan


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About India Bulls personal Loan

A Personal loan is designed to meet all personal and emergency cash needs of an individual. It can be used for any of your personal dreams, such as higher education, dream marriages, long-awaited holidays, much-needed home improvement, or other emergency medical needs. Indiabulls Personal loans come with flexible options and competitive interest rates to assist you with some form of financial crisis needs.

Dhani Loans & Services Limited (formerly known as Indiabulls Consumer Finance Limited) has launched the Dhani Personal Loans. Dhani portal guides you through the entire personal loan process. The process is completely online and you can either apply on the Dhani website or the Dhani App that is available on both Google Play Store and Apple App Store.

Here are some reasons to choose Indiabulls Dhani Personal Loans

  • Instant approvals and instant disbursals within minutes
  • Flexible loan tenure ranging from 3 months to 36 months, to suit your needs
  • Simple and hassle-free documentation for a pleasant application process
  • Safe and secure online process to ensure data security
  • Get high loan amounts of up to Rs.3 Lakhs credited to your bank account instantly
  • Enjoy extremely simple and paperless application process
  • No need for any collateral or security 
  • Foreclose your loan with NO prepayment charges
  • Get the best interest rates in the market starting from just 13.99%

Benefits and features of Indiabulls Dhani Personal Loans

Complete online process – Indiabulls Dhani portal and mobile apps allow you to complete the entire loan application process online. It has been designed to make it utmost user friendly. It has a simple user interface that everyone can easily understand and navigate.

Faster approvals and disbursals – Indiabulls Dhani portal processes your application and approves within minutes. Your loan amount is credited to your account immediately so that you can get the funds for your use immediately.

Simple, hassle-free process – The Dhani portal allows you to apply, process and avail the loan amount completely online. There is no need for you to visit any branch physically to get the loan. In these Covid-19 times, this serves as a great benefit for customers.

Best Interest Rates – Indiabulls Dhani Personal Loans come with the best interest rate in the market. Though they depend on your eligibility criteria, the interest rates are as low as 13.99%, which results in very low EMI for you.

Just 2 documents to process the loan – You just need to submit your PAN Card and address proof document for the online loan processing. These 2 documents are sufficient to get an instant personal loan on the Dhani portal.

Online account for loan management – If the loan can be applied online, shouldn’t you be able to manage it online too? Yes, Dhani portal allows you to manage your loan completely online. You can make payments or profile changes conveniently with a single click.

ZERO prepayment charges – If you come across some additional funds and want to pre-close the loan, you can easily do it without paying any additional charges. This feature is applicable for loan amounts of up to Rs. 20,000 only.

Value Added Services with your Indiabulls Dhani Personal Loan

Dhani Cash – Imagine getting reward points for your personal loan account. Dhani Cash is an un-precedent loyalty program for active personal loan customers. Active customers of Dhani Personal Loan can earn reward points in various ways by using the Dhani App. Logging on to the app everyday & making timely EMI payments are some actions that can earn you reward points. What’s more! You can redeem these reward points against mobile recharges, bill payments or gift vouchers through the Dhani App.

Spin The Wheel - ‘Dhani Fortune’ is similar to the ‘Wheel of Fortune’ game where you get to spin the wheel once in a day and win up to 100 Dhani Cash.

EMI Calculator – The Dhani portal has an EMI calculator on both the website as well as the app. This calculator allows you to calculate a rough estimate of the EMI amount. This way, you can choose the best tenure and loan amount to suit your needs and also make sure that you don’t overburden yourself with the monthly cash flow.

What is the eligibility to apply for Indiabulls Dhani Personal Loan?

Here are the eligibility criteria to apply for Indiabulls Dhani Personal Loan: 

  • Indian Citizens
  • Salaried and self-employed individuals
  • Minimum age of 21 years

What is the application process for Indiabulls Dhani Personal Loan?

Indiabulls Dhani Personal Loan can be applied both on the Indiabulls Dhani website or the Indiabulls Dhani Mobile App.

Follow the below steps to apply on the Indiabulls website:

  • Visit the Indiabulls website and click on Personal Loans. 
  • Click on Apply Now 
  • You will be asked to fill in your Name, Email and Mobile number. 
  • An OTP is generated and sent to your mobile number. 
  • Enter the OTP in the field to validate your account. 
  • Then you are required to upload an address proof document and your PAN Card copy.
  • The loan is processed and if found eligible, the loan is approved and the amount credited to your bank account.

Applying through the Dhani App

  • Download the Dhani App on Google Play Store or Apple App Store. 
  • Enter your name, email address and mobile number to create an account. 
  • Enter loan details. 
  • Upload PAN Card and address proof document
  • Get the loan approved in minutes and the amount in your bank account

What are the documents required for Indiabulls Dhani Personal Loan?

As stated above, this loan just needs 2 documents for the processing. 

  • PAN Card copy
  • One valid Address Proof Document - copy of passport, voter ID card, driving license, Aadhaar
  • Bank Details

Different types of Dhani Personal Loans

Interest Rates and other Charges

Type of Charge


Rate of Interest

13.99% onwards

Processing fee

3% onwards

Loan foreclosure/pre-payment charges

> 6 months: 5%

Bounce charges

Rs. 400 per bounce

Late Payment penalty

3% per month

Stamp duty charges for loan documentation

As per applicable laws

Duplicate NOC

Rs. 500 per request

Repayment mandate/instrument swapping charges

Rs. 500 per request

Loan Cancellation Charges

Rs. 3000

Loan Rebooking charges

Rs. 1500

Statement of account charges

Rs. 500

Duplicate Repayment Schedule

Rs. 500

Bounce Charges (For Self Employed)

Rs. 750

India Bulls personal Loan FAQs

1. Can I get a floating rate of interest on my personal loan?

No, Indiabulls Dhani personal loans come only with a fixed rate of interest.

2. How is the interest calculated for my personal loan?

Your interest liability is calculated every month on a reducing balance method. It is calculated based on a 30-day month and 360-day year.

3. What are the securities/collaterals/guarantors accepted for the personal loan?

For your Indiabulls Dhani Personal loan, no security, collateral or guarantors are required.

4. How much loan can I avail?

You can avail loan amount starting from Rs.3000 up to Rs.3 lakhs.

5. What are the modes available to pay EMI?

EMI can be paid through a NACH mandate. There are 2 EMI due dates offered – 2nd & 5th of every month.

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