Details of Indiabulls Dhani Personal Loan

Personal Loan

People avail for Personal Loan which is an unsecured loan to fulfill their needs and requirements. These needs can be- a medical emergency, a child’s education, a vacation etc.

To make the process of taking Personal Loan more handy and accessible, Indiabulls has introduced Dhani- a unique mobile application to provide instant and hassle-free personal loan to its customers who are in urgent need of money.
This application offers an easy and quick loan anytime and anywhere by using only the applicant’s AADHAR card.

Features of Indiabulls Dhani Personal Loan

  • As Dhani is a mobile application, you can opt for Personal Loan with your smartphone at your preferred time and place.
  • With the help of the Dhani app, you can keep a record of your loan account, pay your outstanding dues, manage your expenses accordingly.
  • Generally, banks provide instant loans only to their existing customers, but Dhani provides loan to all customers of all banks linked via UPI, NACH facilities.
  • Personal Loan through Dhani enables hassle-free digital process without the trouble of documentation.
  • Dhani app is not area specific i.e, applicants can opt for personal loan residing in any city, village or state.
  • The loan amount is directly disbursed to your account through the end-to-end application process.

Apply for Indiabulls Dhani Personal Loan

·     You have to download the Indiabulls Dhani app (free) from the Google play store and install it.

·     After that, you enter your Desired amount in the specified area of the app.

·     Then you enter your AADHAR card for ID verification.

·     After verification, you will receive the loan in your bank account instantly.

Eligibility Criteria for Indiabulls Personal Loan

·     Minimum age of the applicant must be 21 years.

·     Maximum age at the time of loan maturity is 60 years.

·     Applicant must have a minimum of 2 years of work experience, whether salaried or self-employed.

·     Minimum net salary of the applicant must be Rs. 25000.

·     CIBIL Score must be above 700.

Important Factors

Indiabulls Dhani Personal Loan considers the following factors-

·     Size of the applicant’s family.

·     Profession

·     Work experience.

·     Regular monthly income.

·     Permanent Address

·     Tenure of the loan.

Simply, entering only the AADHAAR card number of the applicant, Indiabulls Dhani verifies all the above factors and shortens the process of loan verification and disbursal.

Interest Rates


Charges %/INR

Amount of Loan

Maximum- Rs. 15 lakhs

Rate Of Interest

11.99% onwards

Processing Fee

Up to 5%

Pre-payment Charges

Applicable after 6 months. 5% pre-payment charges.

Penalty for Late Payment

Per month 3%

Charges on Bounces

Rs. 400 per bounces

Stamp duty charges for loan documentation

Applicable as per norms.

Instrument swapping charges

Rs. 500 per request

Duplicate NOC

Rs. 500 per request


After verifying the applicant’s ID through his AADHAAR Card, disbursal of the loan takes place instantly making Indiabulls Dhani Personal loan-a user-friendly e-loan platform.

Apply Personal Loan Online at Lowest Interest Rate Upto Rs. 40 Lacs

*Salary account or relational bank
Terms of Use
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Loan Duration: 12 - 60 months*   T&C Apply*