Dhani offers a non-secured personal solution for salaried and self-employed individuals. Formerly known as Indiabulls, Dhani personal loan presents a breezy financial solution, offering loan amounts ranging from ₹1,000 to ₹15 lakhs and a competitive interest rate starting from 13.99% p.a. With a loan tenure of up to 60 months, it perfectly meets your financial needs.
Applying for a personal loan from Dhani can be a convenient choice for individuals who require immediate and hassle-free access to cash. Below are the essential details to consider before applying for a Dhani personal loan.
|Interest rate for Dhani Personal loan||Starts at 13.99% per annum|
|Loan amount||Rs. 1,000 to Rs. 15 lakhs|
|Processing fee||3% onwards|
|Tenure||3 months to 2 years|
Dhani Personal Loan Interest Rates pave the way to tailored personal loan solutions. With rates starting at 13.99% p.a., Dhani offers a spectrum of opportunities.
By offering interest rates that are tailored to your needs, Dhani loans allow you to conveniently and swiftly obtain the funds you need. Improve your eligibility and secure a financially healthy future.
|Dhani Loan Interest Rate||Starts at 13.99% p.a.|
When considering a personal loan, it's essential to be aware of the various fees and charges associated with the loan. These fees contribute to the overall cost of borrowing and can impact your repayment plan.
Here’s the table that highlights the applicable fees and charges associated with Dhani personal loan:
|Processing fee||Rs. 350 + GST and maximum 2% loan amount|
|Tenure||Up to 90 days|
|Loan amount||Rs. 5,000 to Rs. 1 Lakh|
|Prepayment Charges||Nil after 3 months and 2.5% within 3 months|
Dhani has designed the loan eligibility to ensure that you can secure a loan that aligns with your financial capabilities.
Refer the table below and get to know your eligibility to avail a personal loan from Dhani:
|Age||21- 65 Years old|
|Income||₹15,000 Min Monthly Salary|
When applying for a Dhani Personal Loan, you'll need to provide certain documents to support your application. These documents help verify your identity, income, and other relevant information, ensuring a smooth and transparent loan application process.
Here’s the list of documents required when you are applying for a Dhani personal loan:
The convenience of Buddy Loan's Personal Loan EMI Calculator helps you to easily plan your loan repayments, including the EMI for a Dhani personal loan. Input the loan amount, interest rate, and tenure to obtain accurate results promptly.
By opting for a personal loan, your EMI remains unchanged throughout the entire loan duration, irrespective of any changes in interest rates. Take control of your finances with clear visibility and efficiently handle your budget.
|Year||Month||Principal (A)||Interest (B)||EMI (A+B)||Balance||Loan Paid to Date (%)|
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.)|
|Paysense||16.8% - 27.6%|
|HDB Financial Services||Upo 36%|
|CASHe||10.75% p.a. onwards|
|Money View||10.49% p.a. onwards|
|RBL Bank||17.50% - 26%|
Read LessNote: The current rates may vary marginally and is inclusive of other charges.
Here are some of the features and benefits of Dhani Personal Loan:
You can borrow a loan amount of Rs. 1000, to Rs. 15 lakhs
Loan amount will be tranferred after approval.
Ranging from 3 to 24 months.
Dhani offers low interest rates of 13.99% p.a.
There are no hidden charges or fees.
You dont need to pledge any collateral to avail this loan.
Follow these steps to apply for a Dhani personal loan on Buddy Loan:
Step 2 - Fill out the application form including the loan amount, the tenure months, and contact details.
Step 3 - Fill out the eligibility form and provide:
Step 4 - Submit the details & wait for the loan confirmation.
Ready to take next step ?
To be eligible for a Dhani loan, you must be an Indian citizen, at least 21 years old, and either salaried or self-employed. You must also have a minimum credit score of 750 and a valid Aadhaar card and bank account.
Yes, Dhani loan is approved by the RBI. Dhani Loans and Services Limited is a non-banking financial company (NBFC) registered with the RBI. Dhani is regulated by the RBI and is required to follow all applicable laws and regulations.
The maximum loan amount you can avail of from Dhani is ₹15 lakhs. The minimum loan amount is ₹1000. The loan amount you are eligible for will depend on your income, credit score, and other factors.
No, Dhani loans are not interest free. The interest rate on a Dhani loan depends on your credit score, income, and other factors. The interest rate for a Dhani loan typically ranges from 13.99% to 24.99%.
You will be penalized if you don't pay your Dhani loan. The penalty will be a percentage of the outstanding loan amount. You will also be liable to pay interest on the outstanding loan amount. If you default on your loan, Dhani may take legal action against you.
Yes, Dhani charges a monthly subscription fee for their OneFreedom card. The subscription fee starts at Rs. 199 per month and depends on the credit limit you choose. There are no other hidden charges or processing fees associated with the card.
Dhani EMI works by splitting your purchases into three interest-free installments spread over 60 days. For example, if you make a purchase of Rs. 300 using your Dhani OneFreedom card, you will be charged three installments of Rs. 100 each.
The minimum withdrawal limit in the Dhani app is ₹100 per transaction. There is no maximum withdrawal limit. However, you can only withdraw up to your available balance.
The daily credit limit in Dhani is ₹1,00,000 per transaction and ₹1,00,000 in a day. However, you can modify and reduce the maximum limit as per your choice.
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