Apply Indiabulls Personal Loan

About Indiabulls

The Indiabulls Group is a pioneer name in the Indian Financial Services marketplace with a significant presence in Consumer Finance, Housing Finance, Real Estate, Wealth Management, Securities and Advisory services. The Group owns independently listed companies: Indiabulls Housing Finance Limited (IBHFL), Indiabulls Real Estate Limited (IBREL), and Indiabulls Ventures Limited (IBVL).

The retail lending arm of Indiabulls Group -- Indiabulls Consumer Finance Limited (IBCFL), is a non-deposit taking Non Banking Financial Company (NBFC). IBCFVL is a 100% subsidiary of IBVL. It was formerly known as IVL Finance Limited. IBCFL caters to Personal Loans, Business Loans, and Secured Loans to meet financing requirements of individuals as well as small and medium businesses.

Tapping the digitalization bug in the financial services sector, Indiabulls launched its mobile and web app-- Indiabulls Dhani.

Dhani by Indiabulls Ventures is a one-of-its-kind Personal Loan product that is designed to ensure customised unsecured loans instantaneously to the applicant after verifying their Pan Card and address proof.

Indiabulls Personal Loan Interest Rate - Feb 2021

Interest rate


Loan tenure

5 Years

Loan turn around period

1-7 Days

Processing Charges

0.5 % of loan sanctioned + Taxes

Who can apply?

Self-employed professionals

Salaried individuals

Indian residents

Dishonour Charges

750 per instance

Lowest EMI

2,199 Per Lakh

Why Choose Indiabulls Personal Loan?

For faster, easier, and hassle-free disbursal, choose Indiabulls Dhani Personal Loans.

Indiabulls Dhani ensures swift online loans ranging from 3000 to 15 Lakh at low interest rates, starting from 13.99% p.a.

Indiabulls Dhani is popular amongst consumers for meeting their day-to-day cash lapses due to following reasons:


Indiabulls Dhani is a 100% Online Personal Loan. When you apply for Indiabulls Dhani, you apply for total borrowing convenience. From loan application to loan sanction to amount disbursal, everything is processed instantly online. The customer convenience is assured with Indiabulls Dhani Loan.

Repayment freedom

You get complete repayment freedom with Indiabulls Dhani Personal Loan. You can choose the repayment tenure up to 24 months. No prepayment charges are levied when you decide to prepay or foreclose your small Personal Loans up to 20000.

Fast money in your account

Your loan is approved instantly as your identity is verified. After the confirmation of identity, the funds get directed disbursed in your bank account.

No documentation, instant verification

You do not need to scan and submit your documents to get Indiabulls Dhani Loan Online. Your identity is verified as you share Pan Card and Address Proof. This is probably one of the most attractive features of borrowing a Personal Loan from Indiabulls Dhani.

No Guarantor or Collateral Required

To borrow Indiabulls Dhani up to 15 lakh you do not need any guarantor, loan security or collateral. You will avail an absolutely hassle-free unsecured loan online.

Indiabulls Personal Loan: Features and Benefits

A Loan is a financial obligation, and it is always recommended to understand what it holds for you before you apply for the one. Here is a quick run-down on the features and benefits of Indiabulls Dhani Personal Loan.

Loan Amount: Indiabulls Dhani extends true financial freedom to the consumers. From a paltry sum of 1000 to the wholesome amount of 1500000, you can borrow as per your need. The fast approval and minimal verification ensure that you can apply for Dhani Personal Loan every time you fall short of cash. With the easy availability of Dhani Loans, you no longer need to search for soft loans or ask for financial aid from your peers for cash lapses.

Loan duration: The loan can be borrowed for as little as 3 months to the duration of 24 months.  In short, Dhani Loans are ideal for users who need fast cash and want to repay it fast too.

Rate of interest: Indiabulls offers attractive rates of interest starting from 11.49% p.a.

Online: Dhani Personal Loan is a revolutionary loan product. From application to disbursal, everything completes online. You can conveniently manage your Loan Account on your Mobile. It is easy as well as convenient for the users to navigate and manage their Loan status.

Instant disbursal: As the loan is approved, the amount is directly disbursed to the account.

Easy verification using Pan Card and Address Proof: To get approved for Dhani Personal Loan you just need to share your Pan Card number and Address Proof. You will be verified online instantly without any delay.

Credit score: With regular repayment history, a stable income source and decent score up to 700 points you become eligible for Personal Loan.

Easy Eligibility: Whether you are a salaried employee or a self-employed professional, you are eligible for Indiabulls Dhani Personal Loan if you are at least 21 years old.

Prepayment: For small Personal Loans up to 20000, there is no pre-payment charge.

Online Bank Account: As Dhani Loan is an online product, you must have access to internet banking to be eligible. For small loans up to 20000, a customer must have a net banking account with SBI, Axis Bank, HDFC Bank, Yes Bank or ICICI Bank.

Indiabulls Personal Loan Interest Rate, Processing Fees & Other Charges

Purpose Rate/Charge/Fee in % ()

Rate of Interest

11.49% onwards*varies according to the customer profile

Processing Fee

Up to 5%
*varies according to product

Foreclosure/ Pre-Payment Charge

6 months: 5%

*No charge for loans up to 20000

Bounce Charge

For Salaried: 400 per instance

For Self-Employed: 750 per instance

Late Payment Penalty

3% per month

Stamp Duty

*As per applicable laws

Duplicate NOC

500 per instance

Repayment mandate/ Swapping charge

500 per instance

Loan Cancellation


Loan Re-booking


Statement of Account


Duplicate Repayment Schedule




Types of Personal Loans Offered by Indiabulls

Personal Loans by Indiabulls are applied and sanctioned online only. You do not need any physical contact with the banking official at any step. There is no loan restriction on the use of funds. Primarily, the type of personal loans offered by Indiabulls can be classified as:

Indiabulls Two Wheeler Personal Loan

Two-wheeler is the most driven vehicle in our country. A significant majority of the population buys a bike or a scooter as their first personal medium of transportation. With Indiabulls Dhani, you can avail instant Personal Loan for buying a Two-wheeler at an attractive rate of interest. You can borrow a Scooter Loan for 1000 to 2 Lakh for a flexible tenure ranging from 3 months to 72 months. The loan is an unsecured one, and you do not need to pledge your two-wheeler for the same. Whether you are a salaried professional or a self-employed entrepreneur, you only need a Pan Card and Address Proof to raise the Scooter loan from Indiabulls.

Indiabulls Used-Car Personal Loan

You can swiftly borrow 1000 to 15 Lakh to buy a used car with the help Indiabulls Dhani. The loan is available at an attractive interest rate for a flexible tenure ranging from 3 months to 72 months. There is no need to pledge your car as this loan is an Unsecured Personal Loan. The NBFC promises fast disbursal to your bank account within 3 minutes. No documents, except for Pan Card and address proof are required to avail the Dhani Personal Loan.n

Indiabulls Wedding Personal Loan

Indiabulls Wedding Loan ensures fast credit up to 15 Lakh for 3 to 72 months in your account. The loan sanction and disbursal is almost instant, and you can practically depend on Dhani for the last-minute cash lapses. The loan is processed online, and all you need is a Pan Card and an Address Proof to apply for a Dhani wedding loan.

Travel Personal Loan

Whether you want to fund your domestic trip or an overseas vacation, Indiabulls can help you raise loan up to 15 Lakhs. The rate of interest is attractive, and the tenure ranges from 3 to 72 months. With Indiabulls Dhani, you can expect the best rates and ease of loan repayment. Whether you are a salaried employee or a self-employed, you can get instant Personal Loans with your Pan card and address proof.

Medical Personal Loan

Emergencies often come announced. Whether you need urgent funds for medical contingency or the treatment of a prevailing condition, you can apply for instant Medical Loan from Indiabulls Dhani. The loan is available for 1000 to 15 Lakh for 3 to 72 months. The amount can be instantly disbursed within 3 minutes of sanction. The applicant needs only Pan Card and any of the address proofs for instant Dhani Personal Loan.

Indiabulls Personal Loan Eligibility Criteria

Indiabulls Dhani is one of the most hassle-free loans to apply. The eligibility criteria are not only effortless, but the instant online verification makes Dhani Personal Loan a piece of cake for the eligible borrower.

Let's quickly find out what factors make you eligible for Dhani Personal Loan by Indiabulls below:

  1. Age: All Indian residents who are 21 years old or above are eligible for Indiabulls Dhani Personal Loan.

  2. Employment/Income: Whether you are a salaried employee or a self-employed business owner or a professional, you are eligible to apply for Dhani Personal Loan with a stable source of monthly income.

  3. Cibil Score: You must have a positive repayment history and CIBIL score of 700 points or above to be eligible for Dhani Loan. The first-time borrowers without credit score are also eligible if they can prove the repayment capacity.

  4. Documents: Indiabulls Dhani loans are instantly available to eligible applicants with the basic documents: PAN Card, Address Proof, and Internet banking access to bank account.

  5. Aadhaar: Keeping customer convenience as the top priority, Indiabulls Dhani extends instant approval in 3 minutes on verification of Aadhaar identity of the applicant.

Factors such as your profession, work details, size of family, cibil rating, address proof are automatically screened with verification of Aadhaar number. So, it is of utmost importance to have your identity documents handy when you apply for Dhani Loan. At no instance, you would need to submit any other physical document to get your application approved.

Documents Required for Indiabulls Personal Loan

To apply for Indiabulls Dhani Personal Loan, you do not need to scan documents for loan application. Both salaried as well as self-employed individuals require only Pan Card and address proof to avail instant Personal Loan.

What all do you require for Indiabulls Dhani Personal Loan?

1.       PAN CARD

2.       A selfie picture (Photograph)

3.       Access to Net Banking

4. Address Proof (anyone): Aadhar Card, Rent Agreement, Driving License, Utility Bills, etc.

Other Products Offered by Indiabulls

Indiabulls Home Loans

Indiabulls Home Loans are available as easy-to-apply online housing finance product. You can borrow at attractive interest rate starting at 8.80% p.a. for up to 30 years. Home Loans by Indiabulls are entirely customised according to the applicant's needs.  Whether you need a loan to buy a home, apartment, plot or for construction purpose you can apply for Long Term Home Loans online conveniently.

To meet the varied customer needs, Indiabulls offers different types of Home Loans, varying from rural Home Loans to NRI Home Loans, Home Loan Balance Transfer, PMAY, Home Improvement Loan, and Home Extension Loans.

Indiabulls Loan Against Property

Using Indiabulls Loan Against Property, you can avail maximum value finance against your residential property for up to 15 years at an attractive rate of interest. You get complete peace of mind and repayment flexibility by choosing Indiabulls secured loan.

Indiabulls Business Loans

Indiabulls Business Loans extends easy funding for small and medium scale businesses. SMEs can use Business Loans for any of the business needs, such as the expansion of operations, the hiring of new staff or infusion of working capital or purchase of latest plant and machinery. Whether you are a start-up or an established business unit, you can avail Business Loans up to 40 lakh for 12 to 48 months. Like all other Loans, Business Loans by Indiabulls are fast and without any documentation hassle.

Indiabulls Secured Loans

Indiabulls Secured Loans come as easy breather for anyone who is looking for an affordable loan with minimum turnaround time. You can apply for a Secured Loan against your property for business expansion, debt consolidation or a term loan.

How to Calculate Personal Loan EMI?

It is a child's play to Calculate Personal Loan EMI for your Indiabulls Personal Loan with the help MyMoneyMantra EMI Calculator. The tool can be accessed on official MyMoneyMantra website under Financial Tools Menu. You can also directly access the tool here:

Herein, you only need to share your loan details: Loan amount, Interest rate, and Loan tenure.

Now, press the CALCULATE button.

Instantly the tool will share loan details: Loan EMI, Total Interest Payment, and Total payment. You will also get a visual representation in the form of a pie chart.

To understand the dynamics better, you may like to change the amount, tenure or interest rate and calculate again with different data. This will help you compare various loan offers and choose the best deal in no time.

FAQs on Indiabulls Personal Loan

When can I avail an Indiabulls Personal Loan?

Ans: Indiabulls Personal Loans are unsecured loans offered to individuals to fulfill their personal needs. Paying for medical bills, Home renovation, Wedding expenses, Buying personal durable goods, travel expenses, emergency or contingencies. Indiabulls offer instant Personal loans by Dhani App. 

What are the Documents required for Indiabulls Personal Loan?

Ans: For availing Indiabulls Personal Loan, the applicants are required to upload the scanned copy of all the necessary documents by using Dhani App or India bulls Website.

  • Pan Card
  • Residence Proof: Voter ID Card/ Driving License/Adhaar card
  • Bank Statements of the  last 3 months  

What is Indiabulls Personal Loan Eligibility Criteria?

Ans: The applicants are required to fulfill the eligibility criteria before applying for Indiabulls Personal Loan. The eligibility criteria are stated herewith:

  1. Age : The applicants should be Indian residents of 21 years of age or above in order to be eligible for Indiabulls Dhani Personal Loan.
  2. Employment/Income: The applicants need to be either a salaried employee or a self-employed business owner or a professional in order to be eligible for Dhani Personal Loan with a steady source of monthly income.
  3. CIBIL Score: The applicants need to have a good repayment history and should have atleast CIBIL score of 700 points or above to be eligible for Dhani Personal Loan. The first-time borrowers without CIBIL score need to show proof of their repayment capacity.
  4. Documents: The eligible applicants can avail instant Indiabulls Dhani Loans by submitting the basic documents : PAN Card, Address Proof, and Internet banking access to the bank account.
  5. Aadhaar: With Aadhaar card, Indiabulls has extended the convenient facility for quick disbursal of personal loans. By showing Aadhaar Card, the applicants can avail Indiabulls Dhani Personal Loan within 3 minutes upon verification of their Aadhaar identity.

What Is a Prepayment Fee?

Ans: You have to pay a certain amount when you clear off your outstanding dues before the completion of tenure. This amount is known as a pre-payment fee. Still, you can opt for the prepayment facility after settling your timely instalments for one year.

What Is a Processing Fee?

Ans: A processing fee is a charge which you have to pay to your lender once your personal loan application gets approved. It is a one-time fee that you have to pay to your lender.

How can I pay my Dhani personal loan?

Ans: Indiabulls auto debit the EMI from your Saving Account every month at fixed date. You can also pay manually from dhani App, choose loan Account Number, EMI  Amount & pay by using  Paytm, UPI or Net banking.

What is the interest rate of Dhani?

Ans: Indiabulls dhani offer personal Loan at 11.49% - 17% Interest Rate.

What is the maximum loan amount can I avail?

Ans: Indiabulls offer Personal Loan upto 15 Lakhs.

Where can I apply for Indiabulls Dhani personal loan?

Ans: You can apply personal Loan by using their website & App.

What is the loan tenure for Indiabulls Personal Loan?

Ans: You have a choice to repay the loan amount from 3 months to 36 months.

If I apply Indiabulls Personal Loan by using application Form, what time to process my application?

Ans: It will take around 7 days to process your loan application. Choose digital Platform and submit all the necessary details and get the loan Amount within 3 Minutes in to your bank account.

How can I check my indiabulls dhani loan status?

Ans: You can check the loan status on dhani App or from their official website. For offline application write us an email to

How long it takes to get money in my account with Indiabulls Dhani Personal Loan?

Ans: Indiabulls Venture has designed Dhani Personal Loan to share access to instant money to the Personal Loan borrower. The disbursal is immediately after the loan sanction.

How and where to apply for a Personal Loan with Indiabulls Dhani?

Ans: You can easily apply for Indiabulls Dhani Personal Loan online from your computer or mobile. You only need to visit the official website of Dhani or visit a trusted financial services partner like MyMoneyMantra to apply for Dhani Loan instantly.

How to get instant approval for a Personal Loan with Indiabulls Dhani?

Ans: For instant approval and disbursement of your Personal Loan application, you need to ensure the accuracy of the information provided. Keep the following details handy to check eligibility for Personal Loan instant disbursal.:

  1. PAN Card
  2. Address Proof (Aadhar Card/ Rent Proof/ Passport/ Driving Licence/ Latest Utility bills etc)

  3. Bank Account with internet banking login (for amount disbursal)

If you need further assistance, you must contact MyMoneyMantra Loan Experts. They will help you find answers to all your queries.

Read More: Impact of Aadhar on Personal Loan

How is the interest charged/ calculated?

Ans: You get Dhani Personal Loan on a fixed interest basis. It is calculated on a reducing balance method at monthly rests.

In a monthly reducing method, the principal amount is reduced after every instalment and interest for next EMI is calculated on the outstanding balance Principal.

How do I keep track of my EMI Status for Dhani Loan?

Ans: Complete Dhani Personal Loan details can be accessed on your mobile or computer after logging in to your Loan Account.

What are instalment cycle dates offered? Can I change my EMI due date?

Ans: Your Dhani Loan installment cycle is based on the date selected during the sanction period. Indiabulls offers two standard due dates on 2nd and 5th of every month.

The EMI due date cannot be changed after the loan is disbursed. So you must carefully choose the due date at the time of loan sanction.

What are the modes of EMI Payment?

Ans: EMIs can be conveniently paid online via NACH mode.

Can I apply with a co-applicant for Dhani Personal Loan?

Ans: No, as per the company policy, Dhani Personal Loan cannot be applied with a co-applicant.

Can I part pre-pay my Dhani Loan before the first EMI?

Ans: No, you are not allowed to part pre-pay your Dhani Loan before the first EMI.

What are the major stages of applying for Indiabulls Dhani Personal Loan?

Ans: Personal Loan by Indiabulls Dhani is entirely processed online. Here are the 4 main steps involved:

  1. Submission of Loan Application: Duly fill the application form and submit it online. Besides Dhani website, you can access the form online via MyMoneyMantra website. Our loan experts can also help you understand about your eligibility, available amount, interest rate, duration, EMI and more.

  2. Soft Approval: Based on your preferences, you will get a soft approval for Personal Loan, and you will get a green go for approval, provided the information shared is correct and complies by Indiabulls Consumer Finance Limited credit policies.

  3. Hard Approval: After the verification, the loan application is accepted for the specific amount and tenure.

  4. Amount Disbursement to Account: In the final stage, the approved amount is directly disbursed to your bank account. Please note a predefined processing charge will be deducted from the sanctioned amount.

Why Apply for Indiabulls Personal Loan on MyMoneyMantra?

MyMoneyMantra is a one-stop financial services marketplace on the web. When you apply for Indiabulls Personal Loan on MyMoneyMantra, you enjoy following benefits:

1. Instant access to loan from leading lenders: As you share your personal details and loan preference, we list the best deals available in the market.

2. Compare rates: You can conveniently compare loans from different lenders and apply for the best deal with more confidence.

3. Choice: MyMoneyMantra shares unbiased loan advice. You can choose according to your preferences without any obligation.

4. Online Financial Tools: You can use free MyMoneyMantra financial tools to make an educated decision. You get free access to EMI Calculator, Balance Transfer Calculator, Prepayment Calculator and Tool for How Soon Can I Prepay Loan on the website.

5. Documentation assistance: We extend complete documentation assistance to the borrowers so that there is no last-minute glitch or loan rejection due to a missing document.

6. Free financial Advice: MyMoneyManytra is a leading financial services advisor. We use years of expertise to assist and help borrowers find the most customised deal without any charge. The loan assistance is entirely free and customised according to the borrower's needs.

Read more: Personal Loan Verification Process

How to Apply for Indiabulls Personal Loan on MyMoneyMantra?

It is completely convenient to apply for Personal Loan on MyMoneyMantra Website. All you need to do is share your personal details and loan preferences on our website. We have partnerships with all the leading banks, NBFCs and financial institutes in the country. We list all available deals matching with your profile. You can choose the most affordable deal according to your repayment capacity. We ensure the best rate and turnout time for disbursement.

Here are the steps involved:

  1. Visit MyMoneyMantra official website or directly go to Personal Loans section.

  2. Follow the sequential form for loan application and fill personal details in order. Make sure you share all information correctly as approval will depend on the data provided. The failure in verification of any of the provided details can delay or hinder the entire process.

  3. You are required to share your name, gender, age, loan requirement, employment type, annual income, loan purpose, the city of residence, email and phone number.

  4. Ours is a secured network. We keep your data safe and never share information with any third party.

  5. Next, an OTP is generated and sent to you on your mobile number. You can use the OTP to verify the request.

  6. Now a unique customer ID is created, and you get access to a web page listing your preferred deals. You can compare these offers and choose the best loan according to your needs. You can also directly select Indiabulls Personal Loan and apply directly from there.

  7. Applying Dhani on MMM online is an instant process. A loan expert would keep in touch and answer all queries if any.

  8. MyMoneyMantra extends free loan advice to all the borrowers. It is entirely free, safe, and convenient to apply for a loan on MyMoneyMantra.

Indiabulls Personal Loan Customer Care

You can contact Indiabulls Dhani Personal Loan Customer Service Team 24 X 7 online or by making a call.

Toll-Free Dhani Personal Loan Customer Care Number is 1860 419 3333

You can also write an email at

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