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Dhani Personal Loan

Dhani Loans and Services Limited (formerly known as Indiabulls Consumer Finance Limited) offers personal loans @ 13.99% p.a. onwards for a loan amount of up to Rs 15 lakh and tenures of up to 2 years. The lender claims to offer instant sanction and disbursal of personal loans to its applicants based on their credit profile.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest10.5% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Dhani Personal Loan

  • Interest Rate- 13.99% p.a. onwards
  • Loan Amount- Rs 1,000- Rs 15 lakh
  • Loan Tenure- 3 months to 2 years
  • Processing Fees- 3% onwards

Dhani Loans and Services Personal Loan Interest Rates

The interest rate for Dhani personal loan starts @ 13.99% p.a. onwards. While Indiabulls has not disclosed the factors determining the personal loan interest rates offered to its personal loan applicant, lenders usually factor in the age, credit score, monthly income, employer’s profile, job profile, loan repayment history, etc. of their personal loan applicants while setting their personal loan interest rates.

Dhani Personal Loan Processing Fees and Charges

Particulars Fees
Processing Fees 3% onwards
Foreclosure/pre-payment charges >6 months: 5%
Bounce Charges For salaried: Rs 400 per bounce
For self-employed: Rs 750 per bounce
Late payment penalty 3% per month
Stamp duty charges As per laws applicable
Duplicate NOC Rs 500 per request
Repayment mandate/instrument swapping charges Rs 500 per request
Loan cancellation charges Rs 3,000
Loan re-booking charges Rs 1,500
Statement of account charges Rs 500
Duplicate repayment schedule Rs 500

Eligibility Criteria for Dhani Personal Loan

Indiabulls offer personal loans to salaried and self-employed individuals. While the NBFC has not clearly stated the minimum cut-offs for credit score and monthly income, Indiabulls like most lenders is likely to factor in the credit score, employer’s profile, EMI/NMI ratio, monthly income, etc. of a personal loan applicant while evaluating their personal loan eligibility.

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Documents Required for Loan Application

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

  • PAN card details
  • Address proof (Voter ID card, Ration card, utility bills, etc.)
  • Bank credentials

Why Apply for a Personal Loan at Paisabazaar?

The following are a few key advantages of applying for a personal loan at Paisabazaar:

  • Check Multiple Offers from Top Lenders: You can compare offers from 40+ lenders on a single platform. This not only saves time and effort but also helps you in making the right decision conveniently and quickly
  • Compare & Choose: With Paisabazaar.com you can compare personal loan interest rates and other key features including processing fees,  foreclosure charges, disbursal offered by different lenders and choose the most suitable option for yourself
  • Document Pickup: In case physical documentation is required at any step, with Paisabazaar.com you can get your documents picked up right from your doorstep without any extra charges at a mutually agreed date and time
  • Chances of Approval & Personalized Loan Offers: Paisabazaar.com, lets you check personal loan offers from several lenders listed as per your Chances of Approval based on your credit score and other eligibility factors. This unique feature lets you select the loan offer that has the highest chances of approval.
  • Pre-Approved Offers: If you have a good credit history, you can get personalized pre-approved personal loan offers from different lenders. These pre-approved loan offers also come with minimal or zero processing fees and documentation, low interest rates, etc.
  • Completely Online Process: The Paisabazaar website is a digital platform that lets you carry out the entire loan process - from loan application to the approval of your personal loan completely online.
  • End-to-end Assistance: The Paisabazaar team offers complete guidance and assistance right from the time you start looking for a personal loan offer till you get the loan amount disbursed to your bank account. Our team works with you and lenders in the background to offer you a seamless experience.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Indiabulls Lenders

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FAQs

Dhani Loans and Services offer instant sanction, and disbursal of the personal loan into the bank account of the applicant in a matter of minutes. The loan processing is completely online and requires minimal documentation. The NBFC also offers pre-approved personal loans to select customers qualifying its income and other eligibility requirements.

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

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

Dhani Loans and Services has not stated the cut-off credit score for personal loan applicants. However, credit scores of 750 and above usually increases the chances of availing personal loans at lower interest rates.

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Last updated: 29 August, 2025

Vandana Punj profile
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Vandana Punj
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Shamik Ghosh

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