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India Bulls Short Term Loan

India Bulls Personal loan


Max Tenure

3 - 24 Months

Best Rate


Processing Fee


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About India Bulls Personal Loan

Indiabulls is a conglomerate that has many core areas of operations like wealth management, asset reconstruction and consumer financing. It has a notable presence in the real estate and the pharmaceutical sectors as well. Indiabulls, through its subsidiary Indiabulls Consumer Finance Limited (IBCFL), provides many affordable and convenient financing options for retail as well as the corporate sector.

The financing options of Indiabulls are suitable for personal loans as well as small business loans. The purpose of the loan can be for a variety of reasons like personal needs, medical emergencies, travel, home renovations, etc. These loans are instant personal loans and can be easily availed from Indiabulls based on a simple online application for the same. The customers need to be eligible as per the criteria set by Indiabulls and provide the necessary documentation for the same. You can find complete details of short term loans from Indiabulls here.

Eligibility for Indiabulls Personal Loan

The eligibility for Indiabulls personal loans is very basic and simple. It is drafted in such a manner to ensure maximum reach to the customers i.e., maximum customers can be qualified to apply for the short term loans of the company. The eligibility requirements under Indiabulls Personal Loans are classified under three categories. The details of the same are tabled below.



Residential Status



Minimum 21 years of age

Occupation Status

Salaried or Self-employed

The above criteria ensure that the loans are available to a much broader category of applicants and hence they can get the benefits of the short term financing option of Indiabulls.

Documents for Indiabulls Dhani Personal Loans

The documentation required for Indiabulls Dhani Personal Loans is a set of basic KYC documents that are in line with its eligibility criteria. This ensures that the customers do not get denied the benefit of the short term finance based on lack of documentation. The list of documents to be provided is mentioned hereunder.

  • Identity proof of the Applicant (Pan Card, Aadhaar Card, Driving License, Voter Id, etc.)
  • Address Proof of the Applicant (Aadhaar Card, Latest Utility Bills, Ration Card, etc.)
  • Bank account details of the Applicant

How to apply for Indiabulls Personal loans?

The application process of Indiabulls Personal Loans is an entirely digital process. Applicants can upload the documents also in the digital format in order to complete the application. Customers can inquire about the necessary format required (JPG/PDF) for uploading these documents from the customer care of the company. The steps involved in the application process of Indiabulls Personal Loans are mentioned below.

  • The first step is to download the mobile application of Indiabulls ‘Dhani’ App from the Google Play Store and Apple Application Store.
  • The next step is to register with the app by giving the personal details like name and email id along with the mobile number.
  • The applicant will receive an OTP on the mobile number which has to be submitted to authenticate the registration on the app.
  • The applicant can then enter the loan amount that is sought.
  • Next step is to enter the personal details of the name, address, employment status, etc.
  • Post this step, the applicant is required to upload the documents like PAN Card, address proof and Bank Account details for completing the loan application.
  • After submitting the application and the documents they will be verified before sanctioning the loan.
  • Upon satisfaction the loan will be sanctioned and disbursed instantly to the applicant’s bank account.

Features and Benefits of Indiabulls Personal Loans

The Personal Loan of Indiabulls provide the customers with the benefit of instant loan disbursal upon approval. The customers can get easy and feasible loans at very flexible repayment options and reasonable interest rates. The various features and benefits of these loans that make it a very lucrative option in the market are highlighted below.

Quantum of Loan

The loans available under the short term loans of Indiabulls can be for an amount as low as Rs. 1,000 up to a maximum of Rs. 15,00,000. The final amount of loan that will be sanctioned depends on the applicant’s requirement as against the profile of the applicant (credit score, repayment capacity, etc.).


Indiabulls has the option of flexible tenure for the benefit of the customers which ensures that the customers get convenient repayment options and are not burdened by the same. The tenure of the loan is from a minimum period of 3 months to a maximum of 2 years or 24 months.

Interest Rate

The rate of interest on Indiabulls Personal Loans is very nominal as compared to similar loan options available in the market. The rate of interest on Indiabulls Short Term Loans starts from 13.99% per annum. The final rate of interest will vary on case to case basis and will depend on the applicant’s profile, the amount of loan and the tenure of the loan, etc.

Quick Disbursal

Quick disbursal of loans is the USP of the personal loans of Indiabulls. Customers can get instant financial assistance i.e. instant loan disbursal upon receiving the application from the applicant and successful verification of the documents submitted. This provides the customers with the benefit of immediate financial assistance in case of emergencies.

Improved Credit Score

The personal loans of Indiabulls can be easily repaid with the flexible repayment tenure offered by the company. The customers can, thus, in this process improve their credit score by making timely payment of the EMIs or even a prepayment of the loan taken. This improved credit score enables the customers to get long term loans or other term loans for various purposes quite easily.

Digital Process

Indiabulls loan application and disbursal process is digital at every stage of the process.  Thereby the customer is ensured a speedy loan disbursal and an absolutely hassle free process of loan application.


Indiabulls does not require any collateral or guarantee to be provided for the personal loans applied. This feature of the loan coupled with the broader eligibility criteria enables more and more customers to get the benefit of the short term loans of Indiabulls.

Processing Charges

The processing charges of Indiabulls short term loans ranges from a nominal 1% of the loan up to a maximum of 5% of the loan amount.

Prepayment Charges

The prepayment charge on Indiabulls Short Term Loans is nil in case the loan amount is up to Rs. 20,000. For other loans, the customers can contact the customer care of the company for further details or clarifications.

Contact details for Indiabulls Personal Loans

Customers can contact the customer care service of Indiabulls, which is available 24x7, for any query or information or clarification that they may require with regards to the short term loans offered by the company or any other product of the company. The contact details for the same are given below.

Helpline (available 24x7)1860 419 3333

Email id service_dhani[at]indiabulls[dot]com (this email id is applicable for new as well as existing customers)

FAQs - Indiabulls Personal Loans

1. What is the quantum of loan that can be availed under Indiabulls Personal Loans?

Customers can get loans up to Rs. 15,00,000 under Indiabulls Personal Loans.

2. What is the helpline number for any queries related to the personal loans of Indiabulls?

The helpline number of Indiabulls for any queries related to personal loans is 1860 419 3333.

3. What is the maximum tenure of the loan?

The maximum tenure of the loan is 24 months or 2 years.

4. Does the customer need to provide collateral for the loan?

No. The customer does need to provide any collateral for the loan.

5. What is the minimum age requirement to apply for the loan?

The minimum age requirement to be eligible for the loan is 21 years.

India Bulls Short Term Loan - Customer Reviews

4 / 5 (130 Reviews)
29 Feb 2020

Very Good

29 Feb 2020

Very Good

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