IndiaBulls Dhani Personal Loan


Dhani Loans (formerly Indiabulls) offer personal loans with interest rates starting from 13.99% p.a. for a loan amount of INR 15 Lakhs and tenures up to 2 years. It also provides pre-approved instant loans to specific customers. With processing fees starting from just 3%, Dhani Personal Loans are ideal for salaried and non-salaried individuals.

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IndiaBulls Personal Loan

  • Interest Rate


  • Loan Amount

    ₹1K - ₹15L

  • EMI Per Lakh


  • Processing Fees

    3% onwards
  • Pre-Payment Charges

    >6 months: 5%

Features and Benefits of IndiaBulls Dhani Personal Loan

Headquartered in New Delhi, IndiaBulls Dhani Loans and Services Limited is a one-stop solution for all financial services. Formerly known as Indiabulls Consumer Finance, Dhani is a non-banking financial company registered with the Reserve Bank of India.

IndiaBulls Dhani makes financing easy with paperless personal loans. It offers customized unsecured loans at nominal interest rates starting at 13.99% p.a. With loans ranging up to INR 15 lakhs, Dhani offers pre-approved loans to its customers.

  • Competitive interest rates start from 13.99% p.a.
  • High-value loans of up to INR 15 lakhs
  • Flexible tenure of up to 2 years
  • Rapid approval and instant disbursement

Minimal Documentation

IndiaBulls Dhani provides a simple and hassle-free online documentation process. You will be required to submit essential documents like KYC details and bank statements.

Rapid Loan Process

The IndiaBulls Dhani app enables you to avail a personal loan in the comfort of your home. You must download the Dhani app from the play store and provide all the required data.

Flexible Tenure

A personal loan funds your financial needs. By opting for a loan with IndiaBulls Dhani, you are allowed to repay your loan in 2 years. 

Nominal Prepayment Charges

Prepayment is an option provided by banks and NBFCs. You can opt to repay the outstanding loan at once rather than paying in EMIs. IndiaBulls Dhani allows its customers to prepay their loans at nominal charges starting at 5%.

IndiaBulls Dhani Personal Loan Fees and Charges

When you avail of a personal loan, you must pay certain charges. The fees charged by IndiaBulls Dhani are very nominal. Have a look at the fees charged by IndiaBulls on personal loans:

Processing fees 3% onwards
Foreclosure or pre-payment charges Above 6 months - 5%
Bounce charges
  • Salaried - INR 400 per bounce
  • Self-employed - INR 750 per bounce
Penal charges 3% per month
Stamp duty charges As per laws
Duplicate NOC INR 500 (per request)
Instrument swapping charges INR 500 (per request)
Loan cancellation charges INR 3,000
Loan rebooking charges INR 1,500
Statement of account charges INR 500
Copy of repayment schedule INR 500

Types of IndiaBulls Dhani Personal Loans

A personal loan is a zero-collateral financing solution. IndiaBulls Dhani extends a diversified range of personal term loans.

Wedding Personal Loan

With instant IndiaBulls Dhani personal loans for weddings, your ‘Big Fat Indian Wedding’ dreams can become a reality. The unsecured loan covers all your expenses cost-effectively. It offers a flexible repayment schedule of 6 years.

Travel Personal Loan

Travel loans are customised personal loans that cover all your travel expenses. With IndiaBulls Dhani personal loans for travel, you can avail high-value loans with flexible repayment plans of up to 72 months.

Medical Personal Loan

Medical loans finance unexpected healthcare expenses incurred in the event of an emergency. IndiaBulls Dhani medical loans cover all hospital bills under one roof with instant disbursement. 

Used Cars Personal Loans

IndiaBulls personal loans fuel your dreams of buying a car. With rapid disbursements, you can get unsecured loans to purchase a four-wheeler. You can apply for this loan through the IndiaBulls Dhani app.

Two-Wheeler Personal Loan

IndiaBulls Dhani flexible personal loans for two-wheelers enable you to buy a bike or a scooter at nominal interest rates and flexible EMI options.

Education Personal Loan

Fund your higher education goals with a Dhani personal loan for education. The instant personal loan covers your tuition costs and other expenses incurred during the study.

New Car Personal Loan

Owning a car has become a necessity in today’s world. With Dhani unsecured loans, you can achieve your dream of buying a brand new car.

Top-Up Personal Loan

A top-up loan allows you to borrow additional funds on your existing loan. This provision by Dhani offers you a sizable sanction to fund your urgent expenses.

IndiaBulls Dhani Personal Loan App

In the era of technology, the Dhani personal loan app is a pioneer in the retail lending sector. It has been designed to simplify financial assistance.

The user-friendly interface makes the application process easy. By uploading the necessary KYC documents, you can avail of instant personal loans to aid your finances.

Documents Required for IndiaBulls Dhani Personal Loan

In the era of technology, the loan application procedure at IndiaBulls Dhani is hassle-free and applicant friendly. Check out the documents required for the verification process:

Application form Application form with a passport-sized photograph attached
Address proof
  • Voter ID 
  • Aadhaar card
  • Passport
  • Driving licence
  • PAN Card
  • Utility bills
Identity proof
  • Voter ID 
  • Aadhaar card
  • Passport
  • Driving license
  • PAN Card
Age proof
  • Voter ID 
  • Aadhaar card
  • Passport
  • Driving licence
  • PAN Card
  • Birth certificate
  • School leaving certificate
Income proof
  • Salaried individual- payslips of the past 3 months
  • Self-employed individuals - financial statements of the  previous two years audited by a CA

Note: The financial institution can ask for any other document that might not be mentioned in the list. This may vary from case to case.

IndiaBulls Dhani Personal Loan EMI Calculator

The IndiaBulls Dhani Personal Loan EMI Calculator is an online tool that calculates the estimated monthly EMI payable on your loan amount. The calculator helps you to arrive at the monthly EMIs and interest payable that suit your repayment capacity. To access the figures, you are required to enter the desired loan amount, interest rate, and loan tenure in the blank spaces allocated in the calculator.

Comparison With Other Lenders

IndiaBulls Dhani Loans and Services 13.99%
Tata Capital 10.99%  p.a. onwards
IDFC First Bank 10.49%  p.a. onwards
Aditya Birla Capital 14% p.a.- 26% p.a.
IIFL 24%  p.a. onwards
Fullerton India 11.99% p.a.- 36% p.a.
RBL Bank 14% p.a.- 23% p.a.
Central Bank of India 9.85% p.a. onwards
SBI 9.60% p.a.- 15.65% p.a.
Karur Vysya Bank 9.40% p.a.- 19% p.a.
Kotak Mahindra Bank 10.25% p.a. onwards
City Union Bank 12.75% p.a.

IndiaBulls Dhani Customer Care

By contacting Dhani customer care via email or toll-free number, you can get your queries clarified and grievances resolved.

Toll-Free Number 1860-419-3333 
Email ID


From refinancing to reducing your interest, we have the answers right here.

What is the minimum salary requirement for a IndiaBulls Dhani Personal Loan?

To be eligible for IndiaBulls Dhani Personal Loans, an applicant must earn a minimum of INR 25,000 per month.

What are the KYC documents I will have to submit to apply for a personal loan with IndiaBulls Dhani?

You are required to submit your voter ID, Aadhaar card, passport, driving licence and PAN card for KYC verification.

What is the maximum and minimum IndiaBulls Dhani Personal Loan amount I can get?

A salaried individual can avail of a personal loan with IndiaBulls Dhani, ranging from INR 5,000 to INR 15 lakhs.

What are the documents required in IndiaBulls Dhani for a personal loan?

To avail of a personal loan with Dhani, you are required to submit KYC documents (address proof and identity proof), age proof and bank statements for income proof for the documents verification.

What is the interest rate of a personal Loan in IndiaBulls Dhani?

Dhani offers personal loans at nominal interest rates ranging from 13.99% p.a.

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