Indiabulls Dhani Personal Loan 2022

What Is Indiabulls Dhani Personal Loan?

Indiabulls Dhani is the retail lending arm of the India Bulls group which is the leading name in the Indian Financial Services domain. The group has a noteworthy presence in various financial sectors and owns independent listed companies: India Bulls Housing Finance Limited (IBHFL), Indiabulls Real Estate Limited (IBREL), and Indiabulls Ventures Limited (IBVL). 

Indiabulls offers personal loans by means of the Dhani App that can be taken into usage to fulfill personal financial requirements including wedding, vacation, home renovation, or any other emergency expense. You can apply for Indiabulls Dhani Personal Loans up to Rs. 15 lakhs at competitive rates of interest starting from 13.99% p.a. for the tenure of up to 36 months.

Following are the features and benefits that you can enjoy on availing of the Dhani Personal Loan: 

• Simple documentation – The application of personal loans calls for only basic KYC document submission.
• Safe and secure – There is complete safety of the credentials shared by the individuals.
• Quick and convenient loan application – Availing personal loans can be managed online, as submission of loan documents is done through an app.
• Flexibility in tenure – The tenure for which an applicant can apply for the loan, ranges from 3 months to 24 months.
• Quick loan disbursals – On qualifying the loan, the amount gets disbursed in a very short span of time.
• NIL Prepayment charges – For loans under Rs 20,000, there are no prepayment charges.
• Dhani Pay- On downloading the Dhani App, get exciting rewards and exclusive discounts on every payment made using Dhani Pay. It has an all-new design RuPay Platinum card, which is a secured prepaid account or mobile wallet. 
• Dhani Points – For timely EMI Payment, get Rs 2 for every Dhani Point. There is an exciting opportunity to win Dhani Points by logging on Dhani App. 
• Spin The Wheel – With Spin The Wheel, get exciting opportunities to win money each day. 

Following are the personal loan interest rates and other charges extended by Indiabulls Personal loan to loan seekers: 

Indiabulls Dhani Personal Loan has different sets of eligibility requirements for varying sorts of personal loan seekers. Although, they are nominal and easy-to-meet. Take a look at them: 

For Salaried employees –

For Self-employed Professionals –

For Self-employed Individuals –

Indiabulls Dhani Personal Loan Documents Requirement

With the integration of technology, the loan application procedure involves nominal documentation and an easy and hassle-free procedure for the convenience of the user. 

You will not have to submit any other document apart from: 

• PAN Card 
• Address Proof 

The Personal Loan EMI Calculator is a free tool that simplifies the job of the user to a great extent in presenting an estimate of the monthly cash outflow. All a user is required to do is, put the details of the loan amount, tenure, and interest rate. To get better clarity on the dynamics, you may change the loan amount, tenure or interest rate and calculate again with different input.

Indiabulls Dhani extends personal loans to eligible loan seekers to help them fulfill their diverse range of expenses. Take a look at the diversified types of personal loans offered by Indiabulls Dhani App: 

Wedding Personal Loans - For last-minute cash crunches, Indiabulls Dhani loan is the app you can trust for instant funds. The user is required to only present PAN Card and Address Proof. For a flexible loan tenure of 3 months to 72 months, Indiabulls offers fast credit of up to Rs 15 lakh.

Travel Loan – Whether you are salaried or self-employed, the loan amount can be availed with a flexible loan tenure of 3 months to 72 months.

Medical Personal Loan: Misfortunes often come without notifying and savings may not be sufficient to tackle the situation. There comes the role of personal loans to get the required funds, necessary to manage the monetary shortfall. Indiabulls Dhani app helps the borrower to efficiently handle the critical situation, by lending the funds instantly. 

Used car personal loan- The need to buy a four-wheeler of an applicant can be fulfilled by applying for a personal loan. The app promises to disburse the loan amount at a faster rate without pledging for the car.

Two-Wheeler Loan - The launch of Scooty became an instant hit especially among the females, as are bikes for men. The need to get a vehicle for oneself has been in demand most prominently among the younger generation because of which the sales have been on the rise. Indiabulls Dhani app will be your best bet to get one for yourself.

Education Loan - For a better and brighter future, education is the only way to get ahead in life. Well, to achieve that a greater sum of money is required which becomes a challenge with the regular income. Now with Indiabulls Dhani takes supreme care of your financial needs for the education of your child. Whether it is for tuition fees of the school, higher studies, course books, etc. The education loan is a big rescue for students who aim to achieve their dreams of studying in any educational institutes of their choice.

New Car Loan - A four-wheeler until a few years back was considered to be a luxury, which has now become a necessity. Due to easy access to funds these days, owning a car for oneself is no longer a distant dream. 

Indiabulls Dhani helps achieve the need to drive back your own four-wheeler.

Top Up Loan – A top-up personal loan is an additional loan provided on your existing personal loan, and the interest rates are revised

If in case you were wondering how to avail a loan instantly with this app, follow a few simple steps as given below;

• Visit the app store on your smartphone and download the Dhani app
• Register on the app with your mobile number
• Choose your favored language
• Next screen displays all types of loans on offer (Personal, Home, Auto, Business etc.)
• Select the desired product and enter your basic details (Name, ID, address, desired amount)

Once the bank sanctions your desired amount, you need to put in your bank details to register your bank account for loan disbursement. Before check-out, the app displays the sanctioned amount, the EMI tenure and the EMI amount on the loan.

If you are ok with the offerings and click on ‘Accept’, the app would require you to enable ‘Auto-debit’ in your savings bank account. As soon as it gets authenticated from the bank, you will receive the disbursed amount in your register bank account.

The Indiabulls Dhani App is one of a kind application, which is a pioneer in the retail lending section of Personal Loan. Striking a chord with the technological boom in the financial sector, the app has been specifically designed to make financial assistance easier for the people. Availing loans through the app is more of a child’s play with a user-friendly interface, making the procedure a hassle-free process for the applicant. 

The applicant only needs to upload the PAN Card and Aadhaar card, to avail of the loan. Indiabulls help people realize their dream, by making funds available to them just at the tap of a button. 

Since you are a loan seeker and we hope that you may consider applying for a personal loan from Indiabulls Dhani App, therefore, we also consider the functionality of the loan app as a vital right and responsibility of yours. Take a look, how the Indiabulls Dhani App works: 

• Indiabulls Dhani App can be downloaded from the Google Play Store and App Store for free.  
• An applicant is required to enter the phone number post-installation. An OTP will be sent to the registered number which will be entered in the required section for verification.
• Once the number is verified, it will ask to enter the loan amount.
• Post that an applicant is required to enter a few basic details such as whether you are salaried or self-employed, address details, PAN Card details, mode of salary withdrawal. 
• Upon entering the details, the identity will be verified and on qualifying, the loan will be disbursed to the account.

Indiabulls Dhani Social Links

In case, you are willing to get a hold of Indiabulls, you can connect with them across any of the below-stated platform: 

• LinkedIn : https://www.linkedin.com/company/dhani/
• Facebook: https://www.facebook.com/indiabullsdhani/
• Twitter: https://twitter.com/ibdhani
• Instagram: https://www.instagram.com/ibdhani/
• Youtube : https://www.youtube.com/channel/UCyTS07Qj4FUo6G_w2cvaROQ
• Review : https://www.mouthshut.com/product-reviews/Indiabulls-Dhani-Phone-se-Loan-reviews-925922786

IndiaBulls Dhani has a dignified online presence, both on its official website as well as the mobile app. Any existing or new customer can log in to their respective accounts with a simple sign-in either on the app or on the website. Once you login, the entire dashboard is easy to apprehend and use, one can also use the shortcuts to figure out the current status of their loan application, the recent transactions made in the account or the closure has been processed yet.
 

Once you apply for the IndiaBulls Dhani Personal Loan online, either through the Dhani website or Mobile application, one can easily keep a check at the progress made with the loan application in the loan processing page. If you have applied for a personal loan offline that is by visiting the IndiaBulls office or a branch, you can check the current status of your loan application by sending an email on care_dhani@indiabulls.com.

Dhani Personal Loan offers the lowest rates on the overall process of loan, be it the interest rates being charged only at 13.99%, as compared to other NBFCs which is very considerate and the foreclosure charge which is just 5% of the entire amount which is outstanding. As per the guidelines issued in the IndiaBulls Consumer Finance Limited policy, the foreclosure of this loan is only permissible after first 6 months of EMIs being paid consecutively. 

With IndiaBulls Dhani Consumer Finance, a borrower is always the first priority, whether it’s pre-approval or post-approval. One can easily repay their Dhani Personal Loan in easy EMIs starting a month later to disbursal date. At the time of filling up the application, NACH form is filled and submitted to the lender through which you can make regular payments via NEFT/RTGS to IndiaBulls registered bank accounts. As and when the payments are processed each month, the borrower gets notified via mails and messages.
 

To get your issues and grievances resolved related to Indiabulls Dhani personal loans, you do not need to worry. Simply get a hold of them via either of the following means: 

Email: service_dhani@indiabulls.com 

Customer Care No.: 1860-419-3333 (24*7)