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Dhani Personal Loan is offered by Dhani Loans and Services Limited, formerly known as Indiabulls Consumer Finance Ltd. Dhani is the NBFC that offers this credit to help you meet your objectives with easy access to financing. 

With its quick application process, availing the Indiabulls Dhani Loan is easy and hassle-free. 

The Dhani Personal Loan has a range of features, making it a smart option to consider. Here is the table containing information about the Dhani Loan interest rate and other details:

Dhani Personal Loan Details

Interest Rate

13.99% p.a. onwards

Loan Amount

₹1,000 to ₹15 Lakhs


Ranging from 3 to 24 months

Processing Fee

Maximum 5% of the loan amount

Prepayment Charges

5% of the outstanding amount

Disclaimer: The above rates and charges are subject to change at the lender’s discretion.

Dhani Personal Loan Interest Rate

The interest rate levied on your Dhani Personal Loan depends on your overall credit profile and loan terms. The rate you get starts at 13.99% onwards. The lender will look at your credit score, existing liabilities, and other factors that affect your creditworthiness. 

If you want to acquire the best Dhani Loan interest rate, you must have a credit score of 750 and above.

Dhani Personal Loan Fees & Charges

While the Dhani Personal Loan interest rate is a major factor influencing your cost of borrowing, other fees and charges also add to your borrowing costs. Generally, the processing fee with a Dhani Loan can go up to 5% of the loan amount.

This means that if your loan amount is ₹5 Lakhs, the processing fee can be up to ₹25,000. Apart from the processing fees, there are prepayment charges and other legal charges. You can check the details of these charges at the time of applying for the Dhani Personal Loan.

Dhani Personal Loan EMI Calculator

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Dhani Personal Loan Features & Benefits

Easy application

You may avail a loan of up to ₹15 Lakhs with the Dhani Loan app available on the play store.

Minimal Documentation

To avail a Dhani Loan, you simply have to prove your identity with your Aadhaar card and an address proof.

Quick approval

If you qualify, the Dhani Loan application will be processed and the amount will be transferred to your account post approval.


You can use the app from any place and on any phone, enabling you to request and receive a loan anytime.

Manage Loan Easily

Aside from availing a Dhani Loan, you can manage, track, and pay your dues through the app.

Dhani Personal Loan Eligibility

Here are the Dhani Personal Loan eligibility details you should know before applying.

  • Applicant must be above 21 years

  • Applicant must be a citizen of India

  • Applicant should be employed or self-employed

  • Applicant need to have an Aadhaar card for KYC and rapid money transfer


Meeting all the eligibility criteria is crucial in increasing the chances of approval. As such, ensure that you meet these criteria before applying.

Documents Required for Dhani Personal Loan

Although there is minimal paperwork, you still need to submit basic documents to avail a Dhani Personal Loan. Documents required to apply for a Personal Loan include:

  • Completed application form as well as passport-sized pictures

  • KYC documents 

  • Address proof 

  • PAN card information

  • Bank account information

  • Pay slips for the previous three months

  • Audited financial statements (last two years)

  • Any other documents that the lender requires

How to Apply for Dhani Personal Loan?

For a hassle-process of availing the Dhani Personal Loan, apply online by following the steps outlined below:

  • Install the Indiabulls Dhani Personal Loan app from Play Store and the App Store

  • Enter your phone number and OTP sent to your number for verification

  • Fill in the loan amount and other details

  • Provide the information needed (employment status, salary, PAN, residence, etc)

  • Submit the application

personal loan

Once you submit the necessary information, the lender will process your application and verify your identity. If your application gets approved, the sanction amount will be transferred directly to your account. 

How can I get in touch with Dhani’s Customer Care?

You can contact the customer support team by calling 0124-6555-555 or writing at their email - support@dhani.com. Do remember that the customer support team via call is available between 8AM – 8PM. 

If your query is not resolved by either of the above options, you can contact the corporate office and registered offices. The address for both these offices is available on the lender’s official website. 


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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What is the minimum credit score required to avail Dhani Personal Loan?

The minimum credit score for Dhani Personal Loan is not explicitly stated. However, having a credit score, i.e., above 750 is essential in availing affordable credit.

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

Yes, you 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?

The disbursal process of Dhani Personal Loan is almost instantaneous once your application gets approved.

How do I check the status of my Dhani Personal loan application?

You can check the application on the Dhani app or website. You can even contact the customer support team for the same.

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.

Can I make a prepayment on a Dhani Personal Loan?

You can make prepayments on your personal loan from Dhani. Furthermore, if your loan amount is not more than ₹20,000, you do not have to pay any additional charges to use this facility.

Are the interest rates charged on a Dhani Personal Loan fixed or floating?

Dhani Personal Loan interest rates are fixed and are computed through the reducing balance method.

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