- Dhani personal loans are designed to meet various personal requirements of applicants, such as wedding, travel, medical emergency, etc.
- The loan application and processing is completely online.
- The process is quick and hassle-free.
- The loan amount is disbursed directly into the bank account instantly.
- The applicants can avail a maximum loan amount of up to Rs. 15 lakh depending on the repayment capacity and EMI/NMI ratio of the applicant.
Dhani Personal Loan

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About Dhani Personal Loan
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:
Why Apply for a Personal Loan at Paisabazaar?
The following are a few key advantages of applying for a personal loan at Paisabazaar:
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FAQs
How long does it take for Dhani Personal Loan disbursal?
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.
Can I make prepayments on the personal loan availed from Dhani Loans and Services?
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%.
Can I choose between fixed and floating interest rates?
Dhani Loans and Services offers personal loans at fixed rates only.
What is the minimum credit score at which the applicants avail Dhani Personal Loans?
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.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*







