Dhani Personal Loan How to apply now

Dhani Personal Loan How to apply now. Dhani Loans and Services which was previously known as IndiaBulls Consumer Finance Limited and is a subsidiary of Dhani Services Limited. See my friend what others doing we don’t know after several times we used this application then we will write a review for you.

It has launched Dhani Loans and Services Personal Loan for which you can apply online and avoid the hassle of standing in a queue and doing unnecessary paperwork.

These loans are paperless and easy to avail of considering the simple documentation process involved.

Dhani Personal Loan Features & Benefits

Before you apply for a loan here please read the full features and benefits so you are going to get more benefits.

Here are the features & benefits of the Dhani Personal Loan.

  • You may apply for a Dhani Loan of up to Rs. 15 Lakhs using Dhani’s Phone Se Loan app, and the funds will be deposited immediately into your account.
  • All you have to do to get a Dhani Loan is prove your identification (with the help of an Aadhaar card and address proof). If you qualify, the Dhani Loan will be approved and transferred to your account in approximately three minutes.
  • The software may be used from any place and on any smartphone, allowing you to request and receive a Dhani Personal Loan anytime.
  • Aside from availing of a Dhani Loan, the app also allows you to track and manage your loan account, and pay your dues.

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Dhani Personal Loan How to apply now

Dhani Personal Loan Interest Rate

LenderDhani Loans and Services
Interest Rate13.99% p.a. onwards
Processing Fee3% onwards
TenureBetween 3 months and 24 months
Loan AmountRs.1,000 – Rs.15 lakh
Subscription feeRs. 125 – Rs. 1,500
Prepayment ChargesNil for loans below Rs. 20,000 & 5% thereafter

The interest rate that applies is determined by the borrower’s credit score, age, existing liabilities (if any), income, loan amount needed, and other criteria. If you want to acquire the best Dhani Loan interest rate, you must have a credit score of 750 or above.

Dhani Personal Loan Eligibility and Criteria

  • The individual must be at least 21 years old.
  • The applicant must be a citizen of India.
  • The person should be employed or self-employed.
  • The applicant needs to have an Aadhaar card number for KYC and rapid money transfer.
  • The person should link their bank account to allow Indiabulls Dhani to auto deduct monthly EMIs via net banking/debit card.

Documents Required for Dhani Personal Loan

To get an instant Dhani loan apply online through the app with the documents mentioned below:

  • Aadhaar for KYC
  • PAN Card
  • Identity proof
  • Proof of address (Voter ID card, Ration card, utility bills, etc.)
  • Details of your bank account
  • Applicant’s selfie

How to Apply for Dhani Personal Loan?

Following are the steps you should follow to apply for Dhani Personal Loan.

  1. To start, install the Indiabulls Dhani Personal Loan app. The software is free to download from Google Play and the App Store.
  2. Following the installation, you will be prompted to provide your phone number. After that, an OTP will be sent to your phone, which you must enter in the appropriate place for verification. ( That mobile number must have active plans then its receives a verification message)
  3. After your information has been validated, you will be prompted to input the loan amount.
  4. You will then be requested to provide some basic information about yourself, such as whether you are salaried or self-employed, your industry (public, private, or government), the way of salary withdrawal (cheque, cash, direct bank transfer), your PAN card number, residence data, and so on.
  5. After you provide all of the needed information, your identification will be validated, and the loan amount will be sent straight into your personal bank account in no time.
  6. In reality, when you want to start verification these steps only took some time and when you apply for a loan in under 5 minutes you will receive money.

Dhani Personal Loan Processing Fees and Charges

Type of Charges Fees
Processing Fees3% onwards
Foreclosure/pre-payment charges>6 months: 5%
Bounce ChargesFor salaried: Rs 400 per bounce
For self-employed: Rs 750 per bounce
Late payment penalty3% per month
Stamp duty chargesAs per laws applicable
Duplicate NOCRs 500 per request
Repayment mandate/instrument swapping chargesRs 500 per request
Loan cancellation chargesRs 3,000
Loan re-booking chargesRs 1,500
Statement of account chargesRs 500
Duplicate repayment scheduleRs 500

Note: All the charges are excluding GST and applicable taxes.

Why you should avail Dhani Personal Loan?

  • With the help of Dhani, individuals with good credit records 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 traveling.
  • 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.

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Comparison of Dhani Personal Loan vs. Other Lenders

Banks/NBFCsInterest Rates (per annum)
Indiabulls Dhani13.99% onwards
HDFC Bank10.25% – 21%
SBI9.60% – 13.85%
ICICI Bank10.25% onwards
Axis Bank10.25% onwards
Kotak Mahindra Bank10.75% onwards
IndusInd Bank10.49% onwards
IDFC First Bank10.49% – 23%
Bajaj Finserv13.00% onwards
Tata Capital10.99% onwards

Dhani Personal Loan Customer Care

You can reach out to Indiabull Dhani’s customer care center between 8:00 AM to 8:00 PM at the following numbers:

Dhani Loans: 0124-6165722
Dhani Credit Line: 022-67737800

You can also send an email at: [email protected]

If you need an instant Dhani personal loan apply online through Dhani mobile app or call the customer care number mentioned above. 

FAQs

Q. What is the maximum personal loan amount that can be sanctioned by Dhani?

A. You can get a Dhani Personal Loan of a maximum amount of Rs. 15 Lakhs.

Q. Do I need to pay on the Dhani loan from the beginning?

A. You don’t need to make any principal payments for the first few months. Just pay the interest component of your EMIs every month & principal after a few months.

Q. Can I choose between fixed and floating interest rates?

A. Dhani Loans and Services offers personal loans at fixed rates only.

Q. Can I apply for a Dhani Loans and Services Personal Loan with a co-applicant?

A. Unfortunately, no. The Dhani Loans and Services Personal Loan does not allow a co-applicant to be included in the loan application process.

Q. How much time is taken for the Dhani Personal Loan to be approved?

A. Your Dhani loan is processed, accepted, and deposited into your bank account in less than 3 minutes after you fill in the needed data in the Dhani app.

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

A. You can apply for the Dhani Personal Loan on the official website Dani Loans and Services. You can also get in touch with the customer care executive of the lender by calling the customer care number, and send your application via post, or email.

Finishing Up!!

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