How to apply personal loan in dhani App (2023)

With so many options for personal loan applications, it can be difficult to know where to start. Fortunately, the Dhani app offers an easy and secure way to apply for a personal loan.

This article will provide a comprehensive guide on how to apply for a personal loan in Dhani App We’ll cover topics such as eligibility criteria, documents required, repayment options and more.

What is Dhani App?

Dhani App is a revolutionary way to get a personal loan quickly and easily. With the help of this app, you can get your loan in just few minutes without any hassle. Dhani app allows you to know your eligibility for a loan by providing basic details like contact and income information. It also offers an easy application process with 24×7 customer support. 

The most attractive feature of the Dhani App is its “Instant Approval” system which lets users know their eligibility within seconds and offers flexibility in the repayment options such as EMI or upfront payment plans.

Furthermore, the app provides attractive interest rates on loans, varying from 10-19 percent depending upon your credit score and other factors. This helps borrowers make an informed decision when choosing their loan amount and tenure.

If you’re in a hurry, then the quickest way to apply for a personal loan from Dhani Apps Loans and Services is to contact their customer service by calling 0124-6555-555 between 8am and 8pm. You can also email them at

Features & Benefits of the Dhani Personal Loan

Dhani’s personal loan allows borrowers to borrow up to Rs 5 lakhs for any purpose, whether it be paying off debts, renovating your home, financing education or planning a vacation.

The application process is fast and easy with minimal paperwork required. Plus, there are no hidden charges attached to the loan – just straightforward repayments of the principal amount plus interest in monthly instalments over an agreed period of time. 

The main benefit of a Dhani Personal Loan is that it can be used as a one-time solution for all your financial needs without having to juggle multiple loans at once.

Some Features & Benefits of the Dhani Personal Loan:

  • Apply for a loan of up to Rs. 15 Lakhs using the Phone Se Loan app
  • Funds deposited immediately into your account
  • Prove identification with Aadhaar card and address proof
  • Approval and transfer in approximately three minutes
  • Can be used from any place and on any smartphone
  • Track and manage loan account
  • Pay dues

What are the eligibility criteria for personal loan in Dhani App?

A personal loan can be a great financial tool for those looking to consolidate their debts, finance a large purchase or cover emergency expenses. But, before you apply for one, it is important to understand the eligibility criteria of personal loan offered in Dhani App.

To be eligible for a personal loan through Dhani App, applicants must have an Indian mobile number and should have an annual income of at least Rs. 18000/- or more.

Additionally, applicants must have a valid PAN card number and should have resided in India for at least 6 months prior to applying for the loan. They also need to provide proof of residence such as rent agreement or electricity bill along with bank statement of last 3 months.

Age limit between 21-60 years is also acceptable and the applicant must not possess any other existing loans when applying for this loan facility from Dhani App.

Dhani Personal Loan Interest Rate

Interest Rate13.99% onwards
Processing FeeUp to 5% of the loan amount
Loan AmountRs. 1000 to Rs. 15 Lakhs
Tenure3 months – 24 months
Prepayment Charges5% of the principal outstanding

The above table shows that the Dhani Loan interest rate starts at 13.99%, there is a processing fee of up to 5% of the loan amount, the loan amount can range from Rs. 1000 to Rs. 15 Lakhs, the tenure can be from 3 months to 24 months, and there are prepayment charges of 5% of the principal outstanding.

 Dhani Personal Loan Eligibility

To be eligible for an Indiabulls Dhani Personal Loan, the following criteria must be met:

  1. Age: The individual must be at least 21 years old at the time of application.
  2. Citizenship: The applicant must be a citizen of India.
  3. Employment Status: The person should be employed or self-employed. This means that they should have a steady source of income to repay the loan.
  4. Aadhaar Card: The applicant needs to have an Aadhaar card number for Know Your Customer (KYC) verification and rapid money transfer.
  5. Bank Account: The person should link their bank account to allow Indiabulls Dhani to auto-deduct the monthly EMIs via net banking or debit card. This means that the loan repayment will be automatically deducted from the bank account each month.

How to apply for personal loan in Dhani App

To apply for a Dhani Personal Loan, you can follow these simple steps:

  1. Download the Indiabulls Dhani Personal Loan app. The app is available for free on both Google Play and the App Store.
  2. Once the app is installed, you will be asked to provide your phone number. An OTP (One-Time Password) will be sent to your phone, which you will need to enter for verification.
  3. After your phone number is verified, you will be asked to enter the loan amount you would like to apply for.
  4. Next, you will be asked to provide some basic information about yourself, such as your employment status (salaried or self-employed), your industry (public, private, or government), the method of salary withdrawal (cheque, cash, or direct bank transfer), your PAN card number, and your residence information.
  5. Once you have provided all the required information, your identification will be verified, and the loan amount will be transferred to your personal bank account quickly.

Documents Required for Dhani Bank Personal Loan

To apply for a Personal Loan, you will need to provide the following documents:

  1. Completed application form: This will include personal information such as your name, contact details, and employment information.
  2. Passport-sized pictures: You will need to submit two passport-sized photographs along with your application.
  3. KYC documents: Know Your Customer (KYC) documents are a legal requirement for all loan applications. These documents include your PAN card, proof of address, and proof of identity.
  4. PAN card information: You will need to provide a copy of your PAN card, which is your permanent account number. This is a unique identification number issued by the government.
  5. Proof of address: You will need to provide a copy of a document that verifies your address. This could be a voter ID card, ration card, or utility bill.
  6. Details of your bank account: You will need to provide your bank account number and IFSC code.
  7. Pay slips over the previous three months: You will need to provide proof of your income by submitting your pay slips from the last three months.
  8. Financial statements for the previous two years that have been audited: You will need to provide a copy of your financial statements from the last two years that have been audited.
  9. Any other documents that the lender requires: Some lenders may require additional documents to process your loan application. This could include a guarantor form, proof of assets, or proof of insurance. It is important to check with the lender beforehand to ensure you have all the necessary documents.

FAQs about Dhani Loan App

  • Can I take personal loan from Dhani app?

    Yes, you can take a personal loan from Dhani app. The app is an online platform that provides instant personal loans to individuals in India. It offers loan amounts ranging from Rs. 1,000 to Rs. 15 lakhs, with repayment terms of up to 3 years.

    The process for applying for a loan through Dhani is simple and fast. You just need to fill out an online form with your personal details and submit it for verification. Once approved, the loan amount will be credited directly into your bank account within 24 hours.

    Dhani also offers additional benefits such as free credit score checks, insurance coverage on loans and discounts on partner services. With its easy application process and attractive interest rates, Dhani is a great option for those looking to take out a personal loan quickly and conveniently.

  • Is Dhani personal loan Safe?

    Yes, Dhani personal loan is safe. The company has a strong reputation for providing reliable and secure services to its customers.

    All customer information is stored securely and protected from unauthorized access. Additionally, all transactions are encrypted with the latest technology for maximum security.

    Dhani also has a rigorous process for verifying customer identity to ensure that only legitimate customers can access their services.

    This includes an automated system to verify identity documents such as Aadhar cards or PAN cards, as well as manual verification of other documents such as income statements or bank statements.

    Finally, Dhani offers a wide range of banking options to make sure customers have convenient ways to repay their loans. These include online payment gateways, direct debit payments, and even cash payments at select locations.

    All these options ensure that customers can safely and conveniently manage their finances without any risk of fraud or theft.

  • Can I transfer Dhani cash to bank account?

    Yes, you can transfer Dhani cash to your bank account. The process is quite simple and only requires a few steps.

    First, you need to log into your Dhani account and select the “Transfer” option from the menu. Then, enter the amount of cash you would like to transfer and select your bank account as the destination for the funds.

    Finally, confirm the transaction and wait for it to be processed. Depending on your bank, it may take up to 24 hours for the money to appear in your account.

    It is important to note that there may be limits on how much money you can transfer at once or in a given period of time. Additionally, some banks may charge a fee for this type of transaction so make sure to check with them beforehand.