Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation!

Disclaimer: Dhani Loans and Services Limited is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.


Dhani Loans and Services Limited, formerly known as Indiabulls Consumer Finance Limited is a subsidiary of Dhani Services Limited. It is a non-banking financial company authorized by the Reserve Bank of India. As technology transformed the banking and financial sectors, the business saw an opportunity and established Dhani Loans and Services Limited to provide retail financing. Dhani is an online personal lending business that puts funds directly into customers' bank accounts. The product was created to meet the aspirations of the average Indian by delivering speed and ease in their personal loan needs. With its quick paperwork process, the Dhani Loan is easy and hassle-free. Your personal loan application, approval, and subsequent disbursement are all relatively quick at Dhani. All you need is proof of address and a PAN card. Your Dhani Personal Loan will get transferred straight to your bank account via a quick and seamless process.

 Dhani Personal Loan Features & Benefits

Here are the features & benefits of the Dhani Personal Loan.

  • You may apply for a Dhani Loan of up to Rs. 15 Lakhs using Dhani's Phone Se Loan app, and the funds will be deposited immediately into your account.

  • All you have to do to get a Dhani Loan is prove your identification (with the help of an Aadhaar card and address proof). If you qualify, the Dhani Loan will be approved and transferred to your account in approximately three minutes.

  • The software may be used from any place and on any smartphone, allowing you to request and receive a Dhani Personal Loan anytime.

  • Aside from availing of a Dhani Loan, the app also allows you to track and manage your loan account, and pay your dues.

 Dhani Personal Loan Interest Rate

Here is the table containing detailed information about the Dhani Loan interest rate.

Interest Rate

13.99% onwards

Processing Fee

Up to 5% of the loan amount

Loan Amount

Rs. 1000 to Rs. 15 Lakhs


3 months - 24 months

Prepayment Charges

5% of the principal outstanding

The interest rate that applies is determined by the borrower's credit score, age, existing liabilities (if any), income, loan amount needed, and other criteria. If you want to acquire the best Dhani Loan interest rate, you must have a credit score of 750 or above.

 Dhani Personal Loan Eligibility

Here are the Indiabulls Dhani Personal Loan eligibility details.

  • The individual must be at least 21 years old.

  • The applicant must be a citizen of India.

  • The person should be employed or self-employed.

  • The applicant needs to have an Aadhaar card number for KYC and rapid money transfer.

  • The person should link their bank account to allow Indiabulls Dhani to auto deduct monthly EMIs via net banking/debit card.

 Dhani Personal Loan EMI Calculator

Using the Bajaj Markets personal loan EMI calculator, you can quickly get the exact and correct computations of your monthly installments. After considering loan amount, tenure, and interest rate, the calculator returns precise numbers in a matter of seconds.

Calculate Personal Loan EMI

Loan Amount
  • Months
  • Years
Rate of Interest

Your monthly EMI is

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest
Year Principal Interest Balance

How Dhani Personal Loan EMI is Calculated?

You can calculate the Equated Monthly Instalments (EMIs) of Indiabulls Dhani personal loan with the help of the following formula:

Dhani Personal Loan EMI = [P x R x (1+R)^N]/[(1+R)^N-1]


EMI is Equated Monthly Instalment,

P is the principal amount,

R is the monthly rate of interest, and

N will be the Dhani Personal Loan repayment tenure (in months).

How to Apply for Dhani Personal Loan?

Following are the steps you should follow to apply for Dhani Personal Loan.

  1. To start, install the Indiabulls Dhani Personal Loan app. The software is free to download from Google Play and the App Store.

  2. Following the installation, you will be prompted to provide your phone number. After that, an OTP will be sent to your phone, which you must enter in the appropriate place for verification.

  3. After your information has been validated, you will be prompted to input the loan amount.

  4. You will then be requested to provide some basic information about yourself, such as whether you are salaried or self-employed, your industry (public, private, or government), the way of salary withdrawal (cheque, cash, direct bank transfer), your PAN card number, residence data, and so on.

  5. After you provide all of the needed information, your identification will be validated, and the loan amount will be sent straight into your personal bank account in no time.


Documents Required for Dhani Bank Personal Loan

Here is the list of documents you would require to apply for a Personal Loan.

  • You must submit a completed application form as well as passport-sized pictures

  • KYC documents are also a necessary part

  • PAN card information

  • Proof of address (Voter ID card, Ration card, utility bills, etc.)

  • Details of your bank account

  • Pay slips over the previous three months

  • Financial statements for the previous two years that have been audited

  • Any other documents that the lender requires

FAQs on Dhani Personal Loan

  • ✔️What is the maximum personal loan amount that can be sanctioned by Dhani?

    You can get a Dhani Personal Loan of a maximum amount of Rs. 15 Lakhs.


  • ✔️Is there an age limit to apply for Dhani Personal Loan?

    The applicant must be 21 years or above to avail of a Dhani Personal Loan.

  • ✔️How much time is taken for the Dhani Personal Loan to be approved?

    Your Dhani loan is processed, accepted, and deposited into your bank account in less than 3 minutes after you fill in the needed data in the Dhani app.

  • ✔️How can I get in touch with Dhani customer care?

    Dhani's customer support is available from 8:00 a.m. to 8:00 p.m. at the following numbers:

    Dhani Credit Line: 022-67737800

    Dhani Loans: 0124-6165722

    You may also reach out to them by email at support@dhani.com.