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Dhani makes borrowing simple with its fully digital process. Dhani offers pre-approved personal loans with minimal paperwork. You can use the funds for medical expenses, education, or any personal need.
Dhani Personal Loans are offered by Dhani Services Limited (formerly Indiabulls Consumer Finance Ltd.). It is a trusted NBFC providing flexible financing solutions. You can get the Dhani Pre-approved Personal Loan ranging from ₹1,000 to ₹15 Lakhs with tenures of up to 24 months.
The entire process is online, ensuring fast disbursal and zero hassle. With competitive interest rates, Dhani Loans can be ideal for your various financial needs.
Dhani’s pre-approved personal loan is designed to make borrowing simple, fast, and accessible. With a fully digital process and user-friendly app, you can get instant financial support right from your phone anytime.
Easy application through the Dhani Loan app with loan amounts up to ₹15 Lakhs
Minimal documentation; just Aadhaar and address proof required
Quick approval and fast disbursal upon eligibility confirmation
Access the app anytime, anywhere, on any smartphone
Manage your loan, track EMIs, and make payments seamlessly through the app
Dhani’s pre-approved personal loan gives you quick and easy access to funds when you need them. With Dhani, you can access quick funds without the hassle of visiting a physical branch.
Dhani makes the entire loan process fully online. You need to apply, verify your details, and receive the funds through the Dhani app without any paperwork or branch visits.
You have the flexibility to choose a repayment tenure that aligns with your financial comfort. Dhani offers loan tenures of up to 24 months, allowing you sufficient time to manage your EMIs.
Post approval, Dhani ensures the amount is instantly credited to your bank account. This quick disbursal enables you to meet urgent financial requirements without delays.
Based on your eligibility, Dhani offers loan amounts ranging from smaller sums to as high as ₹15 Lakhs. This allows you to borrow the precise amount required for your specific needs.
You have the ability to apply for and manage your Dhani Personal Loan anytime, anywhere in India by using the Dhani app. This ensures that borrowing and tracking your loan remain simple and stress-free.
Here is a summary of the fees and charges that may apply when taking a pre-approved personal loan from Dhani:
Types of Charges |
Details |
|---|---|
Processing Fee |
1.25% onwards of the loan amount + taxes |
Penal Charges |
For payment defaults, 24% annual interest applies on unpaid EMI or Pre-EMI |
Transaction Handling Fee |
₹1,500 + applicable taxes |
Dishonour Charges |
₹700 per bounce + applicable taxes |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
Before applying for a personal loan, you must know the applicable interest rate. Here is an overview:
Particulars |
Details |
|---|---|
Interest Rate |
Starting from 11% p.a. |
Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.
To apply for a Dhani Pre-approved Loan, you need to meet the following basic requirements:
You must be at least 21 years old
You should be a citizen of India
You should be employed or self-employed
You must have a valid Aadhaar card for KYC and instant disbursal
Note: As this is a pre-approved offer, eligibility is subject to the lender’s internal criteria and policies.
You will also need to submit a few essential documents to complete your loan application:
Document Type |
Accepted Documents |
|---|---|
Application |
Completed loan application form with recent passport-sized photographs |
Identity Proof |
PAN Card |
Address Proof |
Aadhaar Card, Voter ID, Utility Bill, Driving Licence, or Passport |
Note: As this is a pre-approved offer, the documentation requirement is subject to the lender’s criteria and policies.
Applying for a Dhani pre-approved loan is simple. Just follow these easy steps using the Dhani app:
Install the ‘Dhani: UPI, Cards & Bills’ app from the Google Play Store
Enter your mobile number and verify it using the OTP sent to your phone
Provide required information such as employment type, salary, PAN, and residence along with selecting your desired loan amount
Submit the application and wait for instant approval and disbursal
Pre-approved loan offers depend on your credit profile and financial stability. You can follow these tips to improve your chances of receiving such offers:
Lenders consider your credit score when offering pre-approved loans. You need to keep your score high by paying EMIs and credit card bills on time.
High credit usage affects your creditworthiness. You have to use only a small portion of your available credit limit to maintain a healthy credit profile.
Applying for several loans in a short time lowers your chances. You need to apply only when necessary to avoid negative impacts on your credit score.
A steady income increases your reliability in the eyes of lenders. You need to maintain stable employment or business earnings to improve your eligibility.
Financial institutions update offers based on your credit behaviour. You have to review pre-approved offers frequently to avoid missing suitable opportunities.
You need to log in to the Dhani app using your registered mobile number. The app will display any pre-approved loan offers available based on your profile.
Dhani offers a maximum loan amount of up to ₹15 Lakhs.
The maximum tenure available for a Dhani Pre-approved Personal Loan is up to 24 months, subject to your eligibility.
Dhani applies a processing fee starting from 1.25% of the approved loan amount + taxes. This fee is collected upfront during disbursal.
You have the flexibility to use the Dhani pre-approved loan for any personal purpose. For example, it can include travel, medical expenses, or home renovation.
