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Indiabulls Dhani Personal Loan

Rated 4-5 stars Rated 4.5/5 by Team TopShareBrokers

Indiabulls Dhani positioned as Phone se Loan, is an effort made by Indiabulls Consumer Finance Limited (ICFL) to provide the quickest and instant online personal loan disbursement experience to users. Dhani is a first of its kind application which provides personal loan, two-wheeler loan, car loan, travel loan, and a medical loan from Rs. 1,000 to Rs, 15 Lakh with an interest rate starting at 13.99% per annum. It is a one stop shop for all your financial requirements such as personal loan, credit line, wallet and others.

Indiabulls Dhani Personal Loan Details

In the current ever-changing world, financial service providers are heavily investing in groundbreaking technologies to make their service delivery mechanism more streamlined, easier and faster than it ever was before. To win the race, Indiabulls Consumer Finance Limited (ICFL) has launched Indiabulls Dhani to provide the quickest loan disbursement experience for users. Indiabulls Dhani is a personal loan application that provides more ease, convenience and instant loan facilities to customers. Unlike the traditional period, where people have to visit a branch or complete extensive documentation formalities to sanction their personal loans, whether it is for a wedding, vacation planning, business finance, dream car, home renovation or any other, Dhani App by Indiabulls kick-off all such requirements. As you just need to have your PAN card and address proof to apply for an instant, hassle-free personal loan online that will be direct to your bank account. The app offers loans worth Rs. 1,000 to Rs. 15 lakh starting at personal loan interest rates of 13.99% p.a. for diversified financial requirements. Loan processing fees can range from 1.5% to 6%.

Indiabulls Dhani Personal Loan Information

Indiabulls Dhani Personal Loan provides easy loan within 3 minutes with interest 13.99% p.a. onwards. Below table gives the complete details of Personal Loan.

Indiabulls Dhani Personal Loan Details
Loan Category: Personal Loan
Tagline: Phone se loan
Loans Offering: Personal Loan, two-wheeler, new/used cars loan, travel loan, medical loan etc.
Loan Type: Unsecured personal loan
Interest Rate: 13.99% p.a. onwards
Processing Fee: Upto 6%
Approval Process: Completely digital and online paperless process
Minimum Income Requirement: NA
Loan Approval Timing: 3 Minutes
Minimum Loan Amount: ₹1000
Maximum Loan Amount: ₹15 Lakhs
Minimum Loan Period: 3 Months
Maximum Loan Period: 36 Months
Type of Interest Rate: Fixed interest
Interest Charging Method: Reducing balance method

Indiabulls Dhani Personal Loan Special Feature Details

    Spin The Wheel - This service on Dhani App gives you an opportunity to earn Dhani Points with Dhani Fortune. In this, you can have a chance to win up to 250 Dhani Points worth Rs. 500.

Indiabulls Dhani Personal Loan Eligibility Criteria

There are eligibility criteria set by Indiabulls Dhani for their personal loan:

Indiabulls Dhani Personal Loan Details
Salaried Employees Yes
Salaried Doctors Yes
Employees of public and private limited companies Yes
Government sector employees including Public Sector Undertakings, Central and Local bodies Yes
Loan for Pensioners Yes
Loan for Existing Customers Yes
Self-Employed Yes
Selected Corporate Yes
Other Criteria Minimum 24 months of work experience in total with minimum 12 months in the present organisation
Minimum Age 21 years
Maximum Age 60 years at the time of maturity of the Personal Loan
Minimum Income Requirement NA

Indiabulls Dhani Personal Loan Strengths/Advantages

  • Instant loan online
  • Hassle-free documentation
  • Best interest rates
  • All kinds of personal loan
  • Flexible tenure
  • Collateral-free loans
  • Two-wheeler, new/used cars loan of 100% value

Indiabulls Dhani Personal Loan Weaknesses/Disadvantages

  • Maximum loan limit is 15 Lakh comparatively lower than competitors such as HDFC Bank, Citi Bank, and ICICI Bank.
  • Indiabulls Dhani Personal Loan Interest rates are quite high compared to competitors such as HDFC Bank, Citi Bank, and ICICI Bank.
  • Higher processing fees than competitors

Request call back from Indiabulls Dhani Personal Loan

Indiabulls Dhani Personal Loan Products & Services

Indiabulls Dhani App comes up with the number of products and services that are discussed here as under:

  • Personal Loan

    Indiabulls Dhani puts people financing requirements at the foremost priority. It provides unsecured personal loans online for different purposes such as buying a dream house, pursuing higher studies, renovating your home, wedding or any other. Top-up loan is also available which is an additional loan provided on your current personal loan. Customers with net banking in SBI, Axis Bank, HDFC Bank, Yes Bank, and ICICI Bank can get instant personal loans with Indiabulls Dhani app. You simply need to login the app, enter the loan amount and enter details such as PAN card and address proof details. Once your loan request gets approved, money will be credited to your bank account instantly. You don’t even need to provide any security or guarantee to get a Dhani loan.

  • Two wheeler & Car Loan

    Dhani app also offers you an online loan facility to buy two wheeler and/or new/used cars. Here, you can get 100% loan value of your 2-wheeler or car price along with the accessories. The key benefit is that you don’t need to pledge your bike or car as security and the loan is available without any down payment. There is also a Two Wheeler EMI Calculator which provides you a quick EMI calculation based on the fields you entered such as loan amount, tenure and interest rate. Thus, the calculator helps you to decide how much EMI you can pay.

  • Travel Loan

    In today’s time, people love to travel and visit attractive tourist destinations across the world to enjoy the best travelling experience. Planning your dream vacation with Indiabulls Dhani becomes easy as the app provides travel loans not just for domestic tours but also for foreign tours as well. Thus, now, you don’t have to worry about your savings and just apply for a travel loan at Dhani app to travel around the world. A personal holiday loan will cover all travelling expenses including but not limited to flight tickets, hotel accommodation, food and others.

  • Medical Loan

    Nowadays, spending on medical requirements becomes a key figure of an individual's financial budget. Taking into consideration the same, Indiabulls Dhani has also included a medical loan facility, so that money will never be a concern for unforeseen medical emergencies. At Dhani app, one can apply for a medical loan ranging from Rs. 1,000 to Rs. 15 lakhs covering expenses on your treatment, surgeries, prescription medicines, and hospital bills. The process is completely digital and hassle-free that credits your loan money instantly to your bank account.

  • Dhani Points

    Dhani Point is a reward program which provides an opportunity to customers to earn cash daily on their Dhani app. The program is particularly designed for active loan customers, meaning people who availed Dhani Loan. Every Dhani point is worth Rs. 2 and one can use rewarding points for shopping, bills payment, gift vouchers and even it can be transferred to the bank account. You can earn Dhani Points through numerous ways listed below:

    • Whenever Indiabulls sanctioned a loan, the customer will receive a welcome gift of Rs. 15.
    • Refer your friends & family members and you will get 250 Dhani Points on every loan taken on your referral.
    • You will get 20 Dhani Points on mobile recharge, bill payments and buying gift vouchers on Dhani App. This is applicable for maximum 3 transactions every month.
    • You can earn 20 Dhani Points on bus, flights and hotel booking.
    • You will get 75 Dhani Points on additional loan from Indiabulls Dhani.
  • Dhani Wallet

    As the name implies, it is a secured mobile wallet or prepaid account that can be used for online transactions such as bill payments, recharge your mobile, ticket booking (bus, flight, trains), money transfer and others. The wallet offers you exciting rewards & exclusive discount offers on various payments made via the wallet and also gives you a chance to earn Dhani Points.

  • Spin the wheel

    This service on Dhani App gives an opportunity to earn Dhani Points with Dhani Fortune. In this, you can have a chance to win up to 250 Dhani Points worth Rs. 500.

  • Dhani Credit Line

    It is a virtual credit line product offered by Dhani that provides you the facility to shop anything in 3 simple EMI’s at 0% interest rates. You can define your credit limit and shop on the Dhani app and transact at 30 lakh plus Rupay merchants. You can further earn cashbacks on each transaction on the Dhani credit line.

Indiabulls Dhani Personal Loan Feature

Indiabulls Dhani Personal Loan offer various services, please find below the list of features offered by the vendor.

Indiabulls Dhani Personal Loan Details
Personal Loan Yes
Wedding Loan Yes
Education Loan Yes
Home Renovation Loan Yes
Two Wheeler Loan Yes
New Car Loan Yes
Used Car Loan Yes
Travel Loan Yes
Medical Loan Yes
Top Up Loan Yes

Indiabulls Dhani Personal Loan Charges

Here is the detail charge list for Indiabulls Dhani Personal Loan process. We have covered all possible charges for your loan requirements for clear visibility on Indiabulls Dhani Personal Loan processing.

Indiabulls Dhani Personal Loan Details
Co-Applicant Allow No
Income Criteria No
Collateral Requirement No
Pre Approved Credit Limit 10,000
Foreclouser Charges Nil upto ₹20,000
Loan Foreclouser Conditions Less than 6 months: 5%
Bounce Charges 400/bounce
Bounce Charges Self Employed ₹750
Late Payment Penalty 3% per month
Duplicate NOC Charges ₹500/request
Stamp Duty Charges As per laws
Instrument Swapping Charges ₹500/request
Loan Cancellation Charges ₹3000
Stamp Duty Charges As per laws
Loan Rebooking Charges ₹1500
Statement Of Account Charges ₹500
Duplicate Repayment Schedule ₹500
EMI Payment Mode NACH
Overdue Payment Mode NEFT/RTGS
Hidden Charges NA

Indiabulls Dhani Personal Loan Customer Care Details

  • Customer Support Email - [email protected]
  • Customer Support Toll Free No - 1860 419 3333
  • Customer Support Chat Facility - Yes
  • Customer Support Whatsapp Number - 7045567408

Indiabulls Dhani Personal Loan Calculator and Download Links

In this section we have listed all important links related to Indiabulls Dhani Personal Loan.

Indiabulls Dhani Personal Loan Details
Banks SBI, Axis, HDFC, ICICI and Yes Bank
Charges Information Link
Personal Loan Eligibility Calculator Link Personal Loan Calculator Link
Personal Loan EMI Calculator Link NA
Education Loan EMI Calculator Link NA
Car Loan EMI Calculator Link NA
Product Demo Link Demo Link
Website Link Website Link
Android App Downlaod Link Android Mobile App Download
iOS App Downlaod Link iOS Mobile App Downlaod

Indiabulls Dhani Personal Loan Application Process Details

    Unlike the traditional cumbersome process of getting a personal loan, Indiabulls Dhani made the process so simple, convenient and quick. The key steps to get a personal loan with Dhani are listed below:
    Step 1: In the first step, you just need to either login to the website or download the Dhani app and login with your mobile number. Based on one-time password (OTP), your number gets verified and registered.
    Step 2: In the second step, whatever amount of loan you require, just enter it.
    Step 3: Upload documents – Indiabulls personal loan approval requires just two documents that are your PAN card and an address proof.
    Step 4: After the loan approval, the fund will be disbursed to your bank account instantly. 
    To apply for Indiabulls Dhani Instant Personal Loan, provide your information here and Indiabulls team will call you back. Provide Indiabulls enquiry form

Indiabulls Dhani Personal Loan Documents Requirements

Please find below the list of documents required to avail personal loan. Aadhar, PAN and Income Proof are the most important documents, other documents are optional. The complete list of documents you can keep ready for your loan application.

Indiabulls Dhani Personal Loan Details
Age Proof Copy of Passport/Driving License/Aadhar Card
Address Proof Copy of Passport/Driving License/Aadhar Card/Voter ID/Ration Card
Identity Proof Registered Rent Agreement/Utility Bills last 3 months/Copy of Passport/Copy of Ration card
Income Proof for Salaried Emp Salary slip of last 3-6 months, ITR or Form 16, 6 month bank statement
Income Proof for Self Emp IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years

Indiabulls Dhani Personal Loan Payment App Details

    Yes - Available to download

Indiabulls Dhani Personal Loan Wallet Details

    As name implies, it is a secured mobile wallet or prepaid account that can be used for online transactions such as bill payments, recharge your mobile, ticket booking (bus, flight, trains), money transfer and others. The wallet offers you exciting reward & exclusive discount offers on various payments made via the wallet and also gives you chance to earn Dhani Points.

Indiabulls Dhani Personal Loan Referral Program Details

    Dhani Point is a reward program that provides an opportunity to customers to earn cash daily on their Dhani app. The program is particularly designed for active loan customers means people who availed Dhani Loan. Every Dhani point is worth Rs. 2 and one can use rewarding points for shopping, bills payment, gift vouchers and even it can be transferred to the bank account.

Indiabulls Dhani Personal Loan Credit Line Details

    It is a virtual credit line product offered by Dhani that provides you the facility to shop anything in 3 simple EMI’s at 0% interest rates. You can define your credit limit and shop on the Dhani app and transact at 30 lakh plus Rupay merchants. You can further earn cashbacks on each transaction on Dhani credit line.

Last Updated on 2020-05-06T02:48:37+00:00


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