Indiabulls Dhani Personal Loan

The step-by-step working procedure to apply for Dhani Loans and Services Personal Loan:

1. The easiest way to apply for a personal loan from Dhani Loans and Services is by getting in touch with the lender's customer care service by calling the number 0124-6555-555 anytime between 08:00 a.m. and 08:00 p.m.
2. You can also send a mail to the email ID support@dhani.com.
3. You can also send a request for application for personal loan via post to the address:
   1. M-62 & 63, First Floor Connaught Place
      New Delhi - 110001, Tel: 011-30252900
4. A representative from the lender will get in touch with you and will help you with the application process. You will have to submit the necessary documents which will be verified. If all the details provided by you are correct, your application for a personal loan from Dhani Loans and Services will be approved.

Documents Required to Apply for Dhani Personal Loan

1. PAN Card
2. Proof of Address
3. Bank Credentials

There is no need for borrowers to submit the above documents physically. Instead, these documents can be uploaded directly through the mobile or web application.

Eligibility for Dhani Personal Loans

1. Individuals aged 21 years and above
2. Should be salaried or self-employed
3. Must be an Indian citizen

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Why Choose Dhani Personal Loan?

1. Fast Disbursal: Loan up to ₹15 lakh credited in minutes

1. Flexible Use: Ideal for weddings, medical needs, travel & business

1. Best Rates: Interest from 13.99% p.a.

1. 100% Digital: No paperwork, no branch visits

1. Pan-India Access: Apply anytime, from anywhere

1. User-Friendly App: Quick, hassle-free experience

Dhani Personal Loans Features and Benefits

1. Loan Amount: Up to ₹15 lakh

1. Disbursal: Within 3 minutes post Aadhaar-based verification

1. Access: Apply anytime via Dhani app — no branch visit needed

1. Flexibility: Manage loan, track dues, and make payments on your phone

Dhani Personal Loans Fees and Charges

Type of charges	Fees
Loan foreclosure/pre-payment charges	5% for more than 6 months
Bounce charges	For Salaried: Rs.400 per bounce
	For Self Employed individuals: Rs.750 per bounce
Late Payment fee	3% per month
Stamp duty charges for loan documentation	As per applicable laws
Duplicate NOC	Rs.500 per request
Charges for repayment mandate/instrument swapping	Rs.500 per request
Charges for loan cancellation Charges	Rs.3000
Charges for loan Re-booking	Rs.1500
Charges for statement of account	Rs.500
Duplicate Repayment Schedule	Rs.500

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FAQs on Indiabulls Dhani Personal Loan

• Do I need to provide any security/collateral/guarantor to avail the Dhani Loans and Services Personal Loan?

  No. There is no need for you to provide any security/collateral/guarantor to avail the personal loan from Dhani Loans and Services

• How do I check the status of my online application?

  You can track the status of your loan application in the loan progress bar if you have applied via the mobile app or the website, or you can write in to support@dhani.com to know the status of your application.

• Are the interest rates on Dhani Loans and Services Personal Loan fixed or floating?

  The interest rates charged on the Dhani Loans and Services Personal Loan are fixed and are computed using the reducing balance method which take into account 30 days a month and 365 days a year during computation.

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

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

• Can the EMI due date on my loan be changed?

  No. After the loan amount has been disbursed to your account, no change can be made to the EMI due date.

• What will be the instalment cycle date on my EMI?

  During the process of loan sanction, you will have the option to choose the instalment cycle date. At the moment, two due dates are offered by Dhani Loans and Services which is 2nd and 5th of each month.

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

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

• Can I receive the loan amount in any bank account other than my salary account?

  The loan amount availed through the Dhani Personal Loan will only be disbursed to a verified bank account. This is done to ensure that the interest of the borrowers is protected.

• What should I do if I do not receive the loan agreement, sanction letter, etc.?

  If for some reason, the documents concerning your loan have not been sent to you on your registered email address, you can call the customer care of Dhani Loans and Services at 0124-6555-555 or write to them at support@dhani.com. Keep your loan account number handy while seeking assistance.

• How long will it take to process the loan if you apply through the physical mode?

  If you apply through the offline mode, it may take up to 7 days for the process to be complete. The time taken may also vary according to the submission of documents and verification.