Dhani Personal Loan

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.

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Dhani Personal Loan Details

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

Table of Contents

Dhani Personal Loan Interest Rates

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.

Dhani Personal Loan Fees & Charges

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 Personal Loan Eligibility Criteria

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
Citizenship Indian

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Documents Required For Dhani Personal Loan

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:

  • Identity Proof: PAN Card, Driving License, Voter ID card, or Aadhaar card, etc.
  • Address Proof: Driving license, Voter ID card, or Aadhaar card, etc.
  • Loan application form
  • Salary slips for the recent 3 months
  • Two passport size photographs.

Dhani Personal Loan EMI Calculation

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.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

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%
mPokket 24% onwards
Paysense 16.8% - 27.6%
HDB Financial Services Upo 36%
CASHe 27%

Read More

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Note: The current rates may vary marginally and is inclusive of other charges.

Features & Benefits of Dhani Personal Loan

Here are some of the features and benefits of Dhani Personal Loan:

Flexible Loans Amount

You can borrow a loan
amount of Rs. 1000, to
Rs. 15 lakhs

Quick Approval

Loan amount will be
tranferred after
approval.

Flexible Repayment
Tenure

Ranging from 3 to
24 months.

Low Interest Rates

Dhani offers low interest
rates of 13.99% p.a.

No Hidden Charges

There are no
hidden charges or
fees.

No Collateral

You dont need to pledge
any collateral to avail
this loan.

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.

Ready to take the next step? Apply for a Personal loan now!

Frequently Asked Questions on Dhani personal loan

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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