Indiabulls Personal Loan Apply Online

Dhani Loans and Services Limited offers personal loans starting at 13.99% p.a. for a loan amount of up to Rs.15 lakhs and loan tenures of up to 2 years or 24 months. Dhani also offers pre-approved instant personal loans to selected customers. They offer various types of personal loans including travel loans, used car loans, two-wheeler loans, medical loans, marriage loans, etc.

Dhani Personal Loan Overview
Loan Amount	Rs.1,000 to Rs.15 lakhs
Repayment Tenure	3 months to 2 years
Interest Rate	13.99% per annum onwards
Processing Fees	Starts at 3%
Occupation	Salaried or Self-employed

Key Features: Dhani (Indiabulls) Personal Loan

• Online Process- The process is completely digital and hassle-free. It is easy to avail loan from Indiabulls Dhani.
• Loan Amount- Borrower can avail of personal loan amounts ranging from Rs.1,000 to Rs.15 Lakhs.
• Loan Tenure- Dhani’s personal loan repayment tenure ranges from 3 months to 24 months or 2 years.
• Interest Rate- Indiabulls Dhani personal loan Interest rates start from 13.99% per annum.
• Instant Disbursal- After approval and verification of the loan application, the approved amount will be disbursed to the borrower’s bank account instantly.
   

Dhani Personal Loan Eligibility Criteria

Indiabulls Dhani offers personal loans to salaried or self-employed individuals. But the NBFC has not clearly stated the minimum cut-offs required for credit score and monthly income.

Dhani loans and services like most of the lenders considered factors like credit score, employer’s profile, EMI/NMI ratio, monthly income, etc. of a personal loan applicant while evaluating their personal loan eligibility parameter.

Dhani Loans and Services Personal Loan Interest Rates, Processing Fees, and Other Charges

The Dhani personal loan interest rate starts at 13.99% p.a. Indiabulls has not disclosed the crucial factors determining the personal loan interest rates offered to its applicants.

Age, CIBIL score, employee income, job profile, loan repayment history, etc. are the general factors borrowers considered by lenders while setting their personal loan interest rates.

Types of Charges	Fees/Charges
Interest Rate	13.99% p.a. onwards
Processing Charge	3% onwards
Foreclosure or Pre-payment Charges	>6 months- 5%
Late Payment Penalty	3% p.m.
Bounce Charges	Salaried- Rs.400 per bounce
	Self-employed- Rs.750 per bounce
Stamp Duty	As per applicable laws
Repayment Mandate or Instrument Swapping Charges	Rs.500 per request
Duplicate NOC	Rs.500 per request
Loan Re-booking Charges	Rs.1,500
Loan Cancellation Charges	Rs.3,000
Duplicate Repayment Schedule	Rs.500
Statement of Account	Rs.500

For Example- Pawan avails a personal loan for Rs.5 Lakhs, the interest rate is 13.99% p.a. and the repayment period is 1 year. Calculate EMIs, total interest payable, and the total payable personal loan.

• Monthly EMIs of Rs.44,891 and the total interest payable will be Rs.38,694 and the total amount repayable in 12 months will be Rs.5,38,694 (principal + interest).

Documents Required for Dhani Personal Loan

The following are the important documents required to apply for a Dhani personal loan:

• PAN Card
• Personal details (name, address, occupation, income, etc.)
• Address proof- Voter ID card, Ration card, Utility bills, etc.
• Bank details
   

Frequently Asked Questions for Indiabulls Dhani

1. How long does it take for Dhani’s Personal Loan disbursement?

Dhani personal loan offers instant sanction and disbursal of the personal loan amount into the bank account of the applicants in a few minutes. The loan process is completely digital with less documentation. The NBFCs also offer pre-approved personal loans to existing customers qualifying their income and other eligibility requirements.

Also Read- Bank of India Personal Loan

2. Does my personal information remain secure with Dhani?

Yes, the information you feed remains safe with them. They have a secure system in place which keeps all your data away from any harm. They do not share your information with any third party.

3. Where can I apply for Dhani personal loan?

You can easily download the Dhani personal loan application from Google Play Store or Apple Store.

4. Can I foreclose the personal loan availed from Dhani Loans and Services?

Yes, you can make prepayments of personal loans availed from Dhani Loans and Services. No prepayment charges are levied on loan amounts less than Rs.20,000. Pre-payments can be made after 6 months from the date of the loan disbursement and are subject to prepayment charges of 5%.

5. Does Dhani offer personal loans at fixed or floating interest rates?

Dhani (Indiabulls) Loans and Services offer personal loans at fixed rates only.

6. What is the minimum credit score required to avail of Dhani Personal Loans?

Dhani Loans and Services have not stated the cut-off credit score for personal loan applicants/borrowers. Still, credit scores of 750 and above usually increase the chances of availing of personal loans at competative interest rates.

Pros and Cons of Dhani Personal Loan

Following are the pros and cons of availing of a personal loan from Indiabulls Dhani including a review of the users on google playstore.

PROS	CONS
The App is safe and secure	Poor customer care service
A variety of options are available	Many technical issues
Instant loan disbursement	Less authentic
User-friendly interface
Availability of cashback offers

Dhani Personal Loan App Ratings & Review

The rating given by the users about Dhani App is average on playstore, more than 5 crore users downloaded the Dhani loan and services App, and the review is not so well because customers are not so delighted with their customer care service, you can check the below table.

1.	Playstore Rating	3.4/5*
2.	Number of Downloads	5 Crore+
3.	Number of Users Review	20,71,090
4.	Content Rating	3+
5.	App Size	19 MB

Dhani Personal Loan Customer Care Details

• You can reach out to Dhani’s personal loan customer service center between 8:00 AM to 8:00 PM.
• Dhani Personal Loans: 0124-6555-555
• Email ID- support@dhani.com
• Corporate Office Mumbai- One International Centre (Formerly IFC), Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013.
• Corporate Office Gurugram- Concept Tech Park Building, Plot No. 422 B, Udyog Vihar, Phase -4, Gurugram – 122 016
• (Indiabulls House, 448-451, Udyog Vihar, Phase 5)
• Dhani Registered Office Address-1/1 E, First Floor, East Patel Nagar, New Delhi – 110008
   

Personal Loan Comparison Chart: Dhani Personal Loan with Other Lenders

To get the best offers to meet your current necessities you need to compare all personal loan lenders with the Dhani Personal Loan. Check the below chart for a better comparison between lenders.

Lenders	Maximum Loan Amount	Interest Rates	Processing Fees (plus taxes)
Dhani	15,00,000	Starts at 13.99% p.a.	Starts at 3%
Kissht	1,00,000	15% to 25% p.a.	2% to 5%
Paysense	5,00,000	16% to 36% p.a.	Up to 2.5%
Loan tap	10,00,000	12% to 25%	Up to 2%
Navi	Up to 20 Lakh	starts at 9.9% p.a.	Nil (for loans of Rs.50,000 or above)
HDFC Bank	Up to Rs.40 Lakhs	10.5% to 21%	Up to Rs4999/-
Axis Bank	Up to Rs.40 Lakhs	10.25% to 21%	1.5% to 2%
ICICI Bank	Up to Rs.50 Lakhs	10.75% onwards	Up to 2.50%
Tata Capital	Up to Rs.35 Lakhs	Starts at 10.99% p.a.	Up to 2.75%
Bajaj Finserv	Up to 35 Lakhs	Starts at 11% p.a.	Up to 4%

Conclusion- Indiabulls Dhani personal loan provides personal loans to salaried or self-employed individuals at starting interest rate of 13.99% p.a., Borrower can avail of the loan amount up to Rs.15 Lakhs for loan tenure up to 2 years. Users are happy with their interface.

Also Read- IDFC First Bank Personal Loan

Users are highly dissatisfied with their customer care service and face technical issues. Ratings and reviews are average on playstore. It is recommended to make comparisons between all lenders and do check all reviews before taking any major decision.