Dhani Loan
Dhani Loans and Services Limited or the Dhani app, offers instant personal loans up to ₹15 Lakhs at affordable interest rates starting from just 13.99% p.a. The tenure of loan repayment is flexible and ranges from 3 to 24 months. With the Dhani app, you can apply for a loan online, view your loan details, make payments, and raise service requests.
Dhani Personal Loan Details
Below are the key highlights of personal loans offered through the Dhani loan app:
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 to ₹15 Lakhs |
| Interest Rate | Starting from 13.99% p.a. |
| Repayment Tenure | 3 to 24 months |
| Processing Fee | 3% onwards (+ applicable taxes & levies) |
Features & Benefits of Dhani Loan App
Below are the key features and benefits of the Dhani Finance loan app:
- Loan amount ranging from ₹1,000 to ₹15 Lakhs.
- Flexible tenure ranging from 3 months to 24 months.
- Money is transferred to your bank instantly on approval.
- You can view your loan details, make payments, and raise service requests through the Dhani app.
- You can apply for a quick and hassle-free personal loan through a 100% digital process with minimal documentation.
Dhani Personal Loan Interest Rates & Charges
The interest rates and other charges associated with the Dhani personal loan are mentioned below in detail:
- Interest rate: Starting from 13.99% p.a.
- Processing fee: 3% onwards + applicable taxes & other bona fide levies (if any).
- Loan foreclosure/ prepayment charges: 5% (>6 months).
- Part prepayment charges: 3% p.m. (36% p.a.).
- Non-payment of due amount: 3% p.m. (36% p.a.), on the balance payable until the outstanding dues are paid in full.
- Dishonour charges: ₹400 per bounce + applicable taxes & other bona fide levies (if any); Nil on representation of mandate.
- Penal charges: 3% p.m. of the outstanding EMI + applicable taxes & other bona fide levies (if any).
- Stamp duty charges for loan documentation: As per actual, subject to state laws.
- Duplicate NOC: ₹500 + applicable taxes & other bona fide levies (if any) per request.
- Repayment mode/account swap charges: ₹500 + applicable taxes & other bona fide levies (if any), per request.
- Charges for statement of account/amortisation schedule: ₹500 + applicable taxes & other bona fide levies (if any), per request for hard copies.
Compare Dhani Loan App with Other Loan Apps
Below is the comparison between the Dhani loan app and other loan apps:
| Lender | Starting Interest Rates | Loan Amount | Tenure |
|---|---|---|---|
| Dhani Loan | Starts from 13.99% p.a. | ₹50,000 - ₹15 Lakhs | 3 - 24 months |
| Branch Loan | 2.00% p.m. | ₹500 - ₹5 Lakhs | 3 - 12 months |
| Speedo Loan | Up to 1% per day | ₹5,000 - ₹1 Lakh | Upto 12 months |
| RupeeRedee | 28.00% p.a. | ₹2,000 - ₹1,5 Lakhs | 2 - 12 months |
| TrueBalance | 2.40% p.m. | ₹5,000 - ₹2 Lakhs | 6 - 12 months |
| CASHe | 2.79% p.m. | ₹45,000 - ₹3 Lakhs | 9 - 18 months |
| FatakPay | 12.00% p.a. | ₹30,000 - ₹5 Lakhs | 3 - 36 months |
| InCred | 13.49% p.a. | ₹50,000 - ₹15 Lakhs | 12 - 60 months |
| Muthoot Finance | 13.50% p.a. | ₹50,000 - ₹20 Lakhs | 3 - 60 months |
Dhani Personal Loan Eligibility Criteria
If you want a Dhani personal loan apply online by meeting the following eligibility criteria:
- The applicant must be at least 18 years of age.
- The applicant should be salaried or self-employed.
- The applicant must be an Indian citizen.
- The applicant must complete full KYC to avail Dhani Credit.
Documents Required for Dhani Loan
If you meet the eligibility for the Dhani loan apply online with the documents mentioned below:
- Loan application
- Aadhaar for KYC
- PAN Card
- Identity proof
- Address proof
- Income proof
- Selfie
Steps to Apply for Dhani Loan Online
- Download the Dhani personal loan app on your smartphone from Google Play (Android) or App Store (iOS).
- Once you complete the Dhani personal loan app download process, complete your KYC and upload the required documents and details to apply for the loan.
- Check all the details of your loan, such as the loan amount, tenure, and interest rate.
- Proceed for disbursal by linking your bank account for Auto Debit of EMIs.
Dhani Personal Loan Customer Care Details
If you have any queries, grievances, or questions regarding your Dhani personal loan, you can quickly get in touch using the contact details below:
- Customer Care Number: 0124-6555-555 (Available from 8:00 AM to 8:00 PM)
- Email Support: support@dhani.com
FAQs
Yes, Dhani loan app is a legitimate, RBI-registered non-banking financial company, making it safe to use.
Yes, the Dhani loan app is an RBI-approved platform. The loans are facilitated by Dhani Loans and Services Limited, a registered Non-Banking Financial Company (NBFC) with the RBI.
The maximum Dhani loan amount offered is ₹15 Lakhs.
You can download the Dhani Personal Loan app on your smartphone from Google Play (Android) or the App Store (iOS).
Yes, Dhani offers loans ranging from ₹50,000 to ₹15 lakh, depending on the borrower’s eligibility. If you want a Dhani personal loan apply online 50000 through their app.
The interest rate on a Dhani Loan starts from 13.99% p.a.
Yes, Dhani offers collateral-free personal loans to eligible borrowers.
- Download the Dhani app on your smartphone from Google Play (Android) or App Store (iOS).
- You can apply using your Aadhaar number to complete your KYC and get money instantly OR upload your identity proof documents along with your selfie to complete your application.
- Check all the details regarding your loan like loan amount, tenure, interest rate, etc.
- Proceed for disbursal by linking your bank account for Auto Debit of EMIs using Net banking or Debit Cards option. You ca n also opt for Aadhaar based or physical e mandate option.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
Director- MyMoneyMantra FinTech| A senior retail and commercial banking professional, adept at handling Business Development, Sales Planning & Growth, Product Strategy, Marketing Operations and Client advisory services phygitally.