Dhani offers an instant, unsecured personal loan solution designed for salaried and self-employed individuals. Formerly known as Indiabulls Consumer Finance, Dhani personal loan provides quick financial assistance with loan amounts ranging from ₹1,000 to ₹15 Lakhs at competitive interest rates starting from 12.65% to 13.99% p.a.. Featuring flexible repayment tenures from 3 months to 24 months (and up to 84 months through partner lenders), it serves as a reliable option for all your financial needs.
Dhani Personal Loan Details
Applying for a personal loan through Dhani is a fast and convenient way to access instant funds without paperwork. The loan application, verification, and disbursal process is 100% digital. Below are the essential details for Dhani personal loans.
| Feature | Details |
| Interest Rate | Starts at 12.65% – 13.99% p.a. |
| Loan Amount | ₹1,000 to ₹15 Lakhs |
| Processing Fee | 3% onwards (+ applicable taxes) |
| Loan Tenure | 3 to 24 months (up to 84 months via lending partners) |
| Disbursal Time | Instant direct transfer to bank account |
| Collateral | Nil (Unsecured Loan) |
Dhani Personal Loan Interest Rates
Dhani Personal Loan interest rates provide customized financing solutions based on individual borrower profiles. Interest rates start from 12.65% to 13.99% p.a., offering competitive terms in the digital lending market.
Lenders evaluate factors such as age, credit score, monthly income, employer profile, and loan repayment history to set specific interest rates for each applicant. Maintaining a higher credit score (750+) significantly improves eligibility for lower interest rates.
| Loan Category | Interest Rate (p.a.) |
| Dhani Loan Interest Rate | Starts at 12.65% – 13.99% p.a. |
Dhani Personal Loan Fees & Charges
Understanding the complete schedule of fees and charges helps you calculate the total cost of borrowing. Dhani maintains a transparent fee structure with no hidden costs.
Here is the updated breakdown of fees and charges associated with a Dhani personal loan:
| Charge Type | Applicable Fees |
| Processing Fee | 3% onwards + applicable taxes |
| Foreclosure / Prepayment Fee | 5% (allowed after 6 months; Nil for loan amounts below ₹20,000) |
| Late Payment / Penal Fee | 3% per month on outstanding EMI dues |
| Cheque / EMI Bounce Charge | ₹400 per bounce (Salaried) / ₹750 per bounce (Self-Employed) + taxes |
| Stamp Duty Charges | As per applicable state laws |
| Duplicate NOC Request | ₹500 per request + taxes |
| Mandate / Account Swap Charge | ₹500 per request + taxes |
| Statement of Account / Schedule | ₹500 per request for hard copies |
| Loan Cancellation Charges | ₹3,000 |
| Loan Re-booking Fee | ₹1,500 |
Dhani Personal Loan Eligibility Criteria
Dhani defines simple eligibility requirements so applicants can easily secure instant personal financing.
Refer to the criteria below to check your eligibility for a Dhani personal loan:
| Parameter | Eligibility Requirement |
| Age | 18 to 65 years old |
| Employment Type | Salaried or Self-Employed individuals |
| Minimum Monthly Income | Minimum salary of ₹15,000 per month |
| Citizenship | Indian resident citizen |
| Documentation & KYC | Full KYC completion via PAN and Aadhaar |
Documents Required For Dhani Personal Loan
Applying for a Dhani personal loan requires minimal documentation to complete quick online identity and income verification.
The required documents for completing your Dhani personal loan application include:
- Identity Proof: PAN Card, Aadhaar Card, Driving License, or Voter ID Card
- Address Proof: Aadhaar Card, Driving License, Voter ID Card, or Utility Bills
- Income Proof: Salary slips for the last 3 months (for salaried) or bank account statements for the last 3 to 6 months
- Financial Records: Audited financial statements for the previous 2 years (for self-employed applicants)
- Application Essentials: Completed online loan application form, Aadhaar-linked mobile number, and passport-size photograph / selfie
Dhani Personal Loan EMI Calculator
Planning your loan repayment is simple when using an online Personal Loan EMI Calculator. Input your desired loan amount, interest rate, and tenure to receive an immediate breakdown of your monthly EMI, total interest payable, and overall loan cost.
With a fixed-rate personal loan, your monthly EMI remains constant throughout the entire loan tenure, providing complete budget predictability.
Comparison of Dhani Personal Loan Vs Other NBFCs
When it comes to personal loans, making the right choice can significantly impact your financial well-being. We will examine Dhani Personal Loan and compare it with other leading NBFCs to help you make an informed decision.
Presented below is the table that highlights the comparison of interest rates among Dhani and other NBFCs:
| NBFCs | Interest Rate (p.a.) |
| Dhani | 13.99% onwards |
| mPokket | 22% onwards |
| Paysense | 14% onwards |
| HDB Financial Services | 10% onwards |
| CASHe | 27% onwards |
| Home Credit | 24% |
| Moneyview | 14% onwards |
| RBL Bank | 14% onwards |
Features & Benefits of Dhani Personal Loan
Dhani personal loans offer several distinct advantages for borrowers seeking instant liquidity:
- Flexible Loan Amounts: Borrow any loan amount ranging from ₹1,000 up to ₹15 Lakhs.
- Instant Digital Disbursal: Funds are transferred directly to your bank account within minutes after approval.
- Flexible Tenure Options: Choose repayment tenures spanning 3 to 24 months.
- Competitive Interest Rates: Benefit from affordable interest rates starting from 12.65% to 13.99% p.a..
- Zero Collateral Required: Avail 100% paperless, unsecured loans without submitting collateral or security.
- Integrated Financial App: Manage loan details, track EMI statuses, execute UPI transfers, and pay utility bills seamlessly in one app.
How Do You Apply for Dhani Loans with Buddy Loan?
Follow these steps to apply for a Dhani personal loan on Buddy Loan:
- Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
- Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
- Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
- Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
- Step 5: Enter your work details (Including company name, years of service and Designation)
- Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
- Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.
Dhani Personal Loan Customer Care Number
If you have any queries, active loan questions, or service requests regarding your Dhani personal loan, you can connect directly with the customer support team.
| Customer Support Channel | Official Contact Details |
| Customer Care Number | 0124-6555-555 / 0124-6165711 |
| Regional Helpline (South & West India) | 0406-165-7111 |
| Email Support | support@dhani.com / care_dhani@indiabulls.com |
| Customer Care Hours | 8:00 AM to 8:00 PM (Monday to Sunday) |
| Corporate Head Office | Plot No. 108, 5th Floor, Udyog Vihar, Phase 1, Gurugram, Haryana – 122016 |
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