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IndiaBulls Personal Loan

IndiaBulls Dhani Personal Loan

Name: IndiaBulls Personal Loan
Brand: IndiaBulls
Availability: InStock

4.5

Indianbulls Dhani Personal Loans offers quick, flexible personal loan solutions for both salaried and non-salaried individuals. The Indiabulls personal loan rate of interest starts from 13.99% per annum, allowing borrowers to avail a loan amount of up to ₹15 lakh for tenures of up to 2 years. Dhani also offers pre-approved instant loans to eligible customers, along with affordable processing fees starting at just 3%, making it a convenient option for meeting short-term financial needs.

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IndiaBulls Personal Loan

Interest Rate

13%

Loan Amount

₹1K - ₹15L

EMI Per Lakh

₹2,275

Processing Fees

3% onwards

Pre-Payment Charges

>6 months: 5%

Features and Benefits
Eligibility Criteria
Fees and Charges
Documents Required
EMI Calculator
FAQs
Apply Now

Features and Benefits of Indiabulls Dhani Personal Loan

Personal loans from Indianbulls offer quick, paperless, and customer-friendly solutions. With competitive interest rates starting from 13.99% p.a., borrowers can avail loans of up to ₹15 lakh with flexible repayment options. The company also offers pre-approved personal loans to eligible customers, ensuring a fast, convenient borrowing experience.

Key Features and Benefits:

Competitive Interest Rates: Personal loans start from 13.99% per annum
High Loan Amounts: Borrow up to ₹15 lakh depending on eligibility
Flexible Tenure: Repay your loan over a period of up to 2 years
Pre-Approved Loans: Eligible customers can access instant loans
Rapid Approval and Disbursement: Apply through the Dhani app and get funds quickly
Minimal Documentation: Only essential documents like KYC and bank statements are required
Paperless Process: The entire loan application and approval can be done online
Prepayment Facility: Option to repay the loan early with nominal charges starting from 5%

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IndiaBulls Dhani Personal Loan Eligibility Criteria

Indiabulls Dhani Personal Loans are designed to cater to a wide range of borrowers, including salaried individuals, self-employed professionals and self-employed non-professionals. Eligibility depends on factors such as age, income, work experience, and employment type.

Eligibility Criteria	Salaried Individual	Self-Employed Professional	Self Employed Non professional
Minimum Age	21 years on the date of loan sanction	21 years on the date of loan sanction	21 years on the date of loan sanction
Maximum Age	Not above 60 years on the date of maturity	Not above 65 years on the date of maturity	Not above 62 years on the date of maturity
Minimum Income	INR 25,000 per month	INR 30,000 per month	INR 40,000 per month
Minimum Work Ex	A minimum of 2 years	A minimum of 3 years of work experience post-qualification	A minimum of 3 years of work experience post-qualification
Maximum Eligible term loan	A salaried individual can avail a loan ranging from INR 5,000 to INR 15 lakhs	A salaried individual can avail a loan ranging from INR 5,000 to INR 15 lakhs	A salaried individual can avail a loan ranging from INR 5,000 to INR 15 lakhs

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IndiaBulls Dhani Personal Loan Fees and Charges

A personal loan from Dhani Indiabulls involves certain fees and charges that apply during the borrowing process. These charges are kept transparent and nominal, covering services such as loan processing, late payments, prepayment and document-related requests. Borrowers are advised to review these charges in advance to avoid any surprises during the loan tenure.

Fee Type	Charges
Processing Fees	3% onwards of the loan amount
Foreclosure / Pre-payment Charges	5% (applicable after 6 months)
Bounce Charges – Salaried	₹400 per bounce
Bounce Charges – Self-Employed	₹750 per bounce
Penal Charges	3% per month on the overdue amount
Stamp Duty Charges	As per applicable laws
Duplicate NOC Charges	₹500 per request
Instrument Swapping Charges	₹500 per request
Loan Cancellation Charges	₹3,000
Loan Rebooking Charges	₹1,500
Statement of Account Charges	₹500
Copy of Repayment Schedule	₹500

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Documents Required for IndiaBulls Dhani Personal Loan

To apply for an Indiabulls Dhani Personal Loan, you need to submit standard KYC and income documents for identity, address, age and financial verification. The entire process is paperless and online, so you can upload scanned copies via the Dhani app or website without visiting any branch.

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

How to Apply for an IndiaBulls Dhani Personal Loan through Urban Money?

Applying for an IndiaBulls Dhani Personal Loan through Urban Money is quick and hassle-free.

Select Personal Loan from the main menu.
Scroll down to the list of banks and NBFCs
Under the NBFC tab, select IndiaBulls Dhani Personal Loan.
Click on Equire Now
Fill in your personal details
Complete OTP / basic verification
An Urban Money loan representative will contact you after your details are verified.

Apply for a Personal Loan

Proceed to apply online and get the best interest rates from top lenders.

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Types of IndiaBulls Dhani Personal Loans

A personal loan is an unsecured loan, which means you do not need to provide any collateral. Indiabulls Dhani offers various personal loans to help meet a range of personal and lifestyle needs. These loans are easy to apply for and are designed to cover both planned and emergency expenses.

Wedding Personal Loan: Helps manage wedding expenses such as venue booking, catering, jewellery, and decorations with easy repayment options.
Travel Personal Loan: Covers travel-related costs like flight tickets, hotels, and tour packages, allowing you to repay the loan over a flexible period.
Medical Personal Loan: Supports sudden medical expenses by covering hospital bills, treatments, and emergency care with quick disbursal.
Used Car Personal Loan: Helps you buy a second-hand car with an unsecured loan, approved fast via the Dhani app.
Two-Wheeler Personal Loan: Makes it easier to purchase a bike or scooter with affordable EMIs and flexible repayment options.
Education Personal Loan: Assists in funding higher education expenses, including tuition fees and study-related costs.
New Car Personal Loan: Helps fulfil the dream of owning a new car with quick and hassle-free financing.
Top-Up Personal Loan: Allows existing customers to borrow extra funds on top of their current loan for urgent or additional expenses.

IndiaBulls Dhani Personal Loan EMI Calculator

The IndiaBulls Dhani Personal Loan EMI Calculator is an online tool that helps you quickly estimate your monthly loan payments. By entering the loan amount, interest rate, and loan tenure, the calculator shows your monthly EMI, total interest payable, and the total amount to be repaid. This helps you plan your budget better and choose a loan amount and tenure that you can comfortably repay.

For example:

Loan Amount	Interest Rate (p.a.)	Tenure	Approx. Monthly EMI
₹3,00,000	13.99%	36 months	₹10,248 approx.*
₹10,00,000	13.99%	24 months	₹48,008 approx.*
₹1,00,000	13.99%	36 months	₹3,417 approx.*

Note: Figures are approximate estimates based on typical interest rates and tenures; actual EMIs may vary slightly depending on your profile and exact interest rate offered.

FAQs

From loans to affordable interest rates, we have the answers for everything you need to know.

What is the Indiabulls personal loan interest rate?

The Indiabulls personal loan rate of interest starts from 13.99% per annum, depending on the applicant’s profile and eligibility.

Who can apply for a personal loan from Indiabulls?

Both salaried individuals and self-employed professionals/non-professionals can apply for an Indiabulls personal loan if they meet the eligibility criteria.