Dhani Personal Loan App- Eligibility, Interest Rates & Review

Dhani App logo

About Indiabulls Dhani personal loan app:-

Indiabulls Dhani personal loans can be applied to meet all your personal requirements like- home renovation, buying a dream car, wedding, travel, medical expenses, other emergencies, etc.

You can apply for a personal loan from Dhani App up to 3 lakhs which can meet all your diverse financial needs, at competitive interest rates, starting from as low as 13.99%.

dhani image

Dhani Personal Loan App Features

Dhani’s personal loan app provides various benefits you can avail those benefits by applying for it. This personal loan app has a wide array of features and benefits. These features and benefits make it different from other loan providers:-

1. Best interest rates- You can fulfill your all dreams and aspirations with Dhani, where personal loan interest rates start at 13.99% per annum.

2. Instant disbursal- Get instant approvals of loan Rs. 3,000 to Rs. 3 lakhs, disbursed in your bank account immediately.

3. No pre-payment charges- No pre-payment charges will be applicable for loans up to Rs. 20,000.

4. Easily manageable- It is easy & convenient to apply, receive, and manage personal loans directly on the mobile application or website.

5. Loyalty program (Dhani Cash)- It’s a rewards program for active loan customers with Dhani. Also, you can avail of Dhani Cash on timely personal loan EMI payments, and redeem Dhani Cash for mobile recharge, bill payments, gift vouchers, and more through Dhani App.

6. Spin the Wheel- You have a chance to win up to 100 Dhani cash every day, the Dhani App gives you a chance to earn Dhani Cash daily with Dhani Fortune.

7. Flexible Loan tenure – Loan tenure from 3 months to 36 months, as per your requirement.

8. No collateral is required and it is safe to use – No security required since they offer unsecured personal loans and all your details personal or financial are safe and secure.

9. Hassle-free application process – Extremely simple and paperless personal loan application process and no complex documents required for your application.

Eligibility Criteria For Dhani Personal Loan App:-

Dhani’s personal loan app eligibility criteria are simple. It is mentioned below:-

Age21 years and above
CitizenshipMust be and Indian citizen
OccupationSalaried or Self-employed

Documents Required For Personal Loan:-

The Dhani App makes verification of documents for personal loans is simple. The application process is digitalized and minimum documents are required for a personal loan procurement.

There is only a need to upload scanned copies of the following documents digitally while applying for a personal loan:

  • PAN Card Details
  • Address Proof (Voter ID card, Ration card, utility bills, etc.)
  • Bank Account Details

The above-documents required for a personal loan are verified, along with additional formalities.

Dhani Personal Loan Interest Rates, Fees, And Other Charges:-

Indiabulls Dhani offers various personal loans interest rates starting at 13.99%. Here is a detail of the various hidden fees and charges apart from the interest rate. All charges are excluding GST and applicable taxes:-

S.No.Types of chargesCharges % / INR
1.Processing FeesMore than 3%
2.Pre-payment charges/ Loan foreclosure > 6 months : 5%
3.Interest RateMore than 13.99%
4.Bounce chargesRs. 400 per bounce
5.Stamp duty charges for loan documentationAs per applicable laws
6.Late payment penalty charges3% per month
7.Duplicate NOCRs. 500 per request
8.Instrument swapping charges/ Repayment mandateRs. 500 per request
9.Charges for loan cancellationRs. 3000
10.Charges for Loan Re bookingRs. 1500
11.Statement of account chargesRs. 500
12.Duplicate Repayment ScheduleRs. 500
13.Bounce Charges (For Self Employed)Rs. 750

How Dhani Personal Loan App works

how dhani app works

Personal Loan Approval Process Is Just A Few Clicks Away!

Download the Dhani App for free from Playstore and apply for your personal loan instantly anytime, anywhere, in simple steps.

STEP 1: Register yourself by providing your mobile number and verify with the OTP sent to you.

STEP 2: Add Loan Amount.

You need to enter your loan amount first.

STEP 3: PAN Cards and Address Proof Details.

Enter your Pan Card and Address Proof Details is the second step.

STEP 4: Loan Approval & Loan Disbursal.

After uploading all documents it is easy to get money in your bank account instantly.

Types Of Personal Loans At Dhani App

Following are the types of personal loans in India offered by Dhani, you can use personal loans for any purpose to fulfill your financial needs.

Two Wheeler LoanA two wheeler personal loan can be exclusively used to buy a two-wheeler like bikes, active, etc.
Used Car Loan A used car loan can be used to purchase a second-hand car
New Car LoanA new car loan is a personal loan used to buy a brand new car
Travel LoanA personal holiday loan for travel is specifically designed to cover the expense of your travel, including flight tickets, stay at a hotel, etc.
Wedding Loan Manage the expenses of your wedding with the help of a wedding loan.
Medical LoanA personal loan for medical emergencies can be used to cover all your (or your family’s) emergency health-related expenses
Education Loan An education loan is used to pay the fees of your university
Top Up LoanA top up personal loan is an additional loan provided on your existing personal loans

Dhani App Review

dhani app review


Contact Details Dhani App:-

You can reach out to their customer service center between 8:00 AM to 8:00 PM.

  • Dhani Loans- 01246165722
  • Dhani pay/Dhani credit line- 02267737800
  • Email address- service_dhani@indiabulls.com

You can also chat with us on Dhani App, 24*7


1. One International Centre (Formerly IFC), Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013

2. Indiabulls House, 448-451, Udyog Vihar, Phase V, Gurugram – 122 016

You can also check a review of these loan apps:-

Thank you for reading the review about Dhani personal loan app. !!



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