IndiaBulls Dhani, previously known as Indiabulls, provides personal loans with attractive interest rates beginning at 13.99% annually. Loan amounts range from INR 1,000 to INR 15 lakhs with flexible tenures up to 2 years. They offer pre-approved instant loans to certain customers. With processing fees starting at 3%, Dhani Personal Loans are suitable for both salaried and non-salaried individuals.

Discover Premium Personal Loan Offers from IndiaBulls Dhani

If you're considering a personal loan, IndiaBulls Dhani can be an excellent choice. Select your city, search for the company, and provide details about the required loan amount and monthly net salary to gain access to competitive offers from IndiaBulls Dhani.

Seamless, Paperless Personal Loans with IndiaBulls Dhani

Headquartered in New Delhi, IndiaBulls Dhani Loans and Services Limited is a comprehensive solution for all financial needs. As a non-banking financial company registered with the Reserve Bank of India, IndiaBulls Dhani offers tailored unsecured personal loans at attractive interest rates starting at 13.99% p.a. Loan amounts can reach up to INR 15 lakhs, with pre-approved loan options for customers.

Key Features and Benefits of IndiaBulls Dhani Personal Loan

IndiaBulls Dhani Personal Loan comes with several appealing features and benefits, making it a preferred choice among borrowers:

• Competitive interest rates starting at 13.99% p.a.
• High-value loans up to INR 15 lakhs
• Flexible tenure of up to 2 years
• Quick approval and instant disbursement
• Minimal documentation required

Simplified Loan Process with IndiaBulls Dhani

IndiaBulls Dhani streamlines the loan documentation process online. Applicants need to submit essential documents like KYC details and bank statements. This process can be completed entirely from home.

Flexible Repayment Choices with IndiaBulls Dhani

When it comes to loan repayment, IndiaBulls Dhani provides flexible options, allowing borrowers to repay their loans over a 2-year period, facilitating better financial management.

Low Prepayment Charges

IndiaBulls Dhani allows prepayment of loans, enabling borrowers to settle the entire loan instead of continuing with EMIs. Prepayment fees start at just 5%.

Eligibility Criteria for IndiaBulls Dhani Personal Loan

Eligible applicants for a personal loan from IndiaBulls Dhani must meet specific criteria. These differ between salaried individuals and self-employed professionals.

Salaried Individuals:

• Minimum age: 21 years at loan sanction
• Maximum age: 60 years at loan maturity
• Minimum income: INR 25,000 monthly
• Minimum work experience: 2 years, with at least 1 year in the current job
• Maximum loan: INR 5,000 to INR 15 lakhs

Self-Employed Professionals:

• Minimum age: 21 years at loan sanction
• Maximum age: 65 years at loan maturity
• Minimum income: INR 30,000 monthly
• Minimum work experience: 3 years post-qualification
• Maximum loan: INR 5,000 to INR 15 lakhs

Self-Employed Non-Professionals:

• Minimum age: 21 years at loan sanction
• Maximum age: 62 years at loan maturity
• Minimum income: INR 40,000 monthly
• Minimum work experience: 3 years post-qualification
• Maximum loan: INR 5,000 to INR 15 lakhs

IndiaBulls Dhani Personal Loan Fees and Charges

IndiaBulls Dhani applies nominal fees and charges for their personal loans. Here's a breakdown:

• Processing fees: From 3% onwards
• Foreclosure charges: After 6 months - 5%
• Bounce charges: Salaried - INR 400 per bounce, Self-employed - INR 750 per bounce
• Penal charges: 3% monthly
• Stamp duty: Per laws
• Duplicate NOC: INR 500 per request
• Instrument swapping: INR 500 per request
• Loan cancellation: INR 3,000
• Loan rebooking: INR 1,500
• Statement of account: INR 500
• Repayment schedule copy: INR 500

Diverse Personal Loan Options from IndiaBulls Dhani

IndiaBulls Dhani provides a wide array of personal loans to suit various needs:

• Wedding Loan: Fulfill wedding dreams with tailored loans, offering a repayment schedule of up to 6 years.
• Travel Loan: Cover travel expenses with personalized loans, offering repayment plans up to 72 months.
• Medical Loan: Finance healthcare costs with loans covering hospital bills, with instant disbursement.
• Used Cars Loan: Buy a car with rapid-disbursement unsecured loans, accessible through the Dhani app.
• Two-Wheeler Loan: Acquire a bike or scooter with flexible loans and EMI options.
• Education Loan: Finance educational pursuits with instant personal loan options.
• New Car Loan: Fulfill the dream of a new car with unsecured loan facilities.
• Top-Up Loan: Need extra funds? Dhani offers top-up loans to address urgent expenses.

Simplified Loan Application through the Dhani Personal Loan App

IndiaBulls Dhani Personal Loan App heralds convenience in retail lending, offering an easy-to-use platform. Upload necessary KYC documents to access instant personal loans.

Required Documents for IndiaBulls Dhani Personal Loan

Applying with IndiaBulls Dhani is straightforward, with an online application process. Required documents include:

• Filled application form with a passport-sized photo
• Address proof: Voter ID, Aadhaar card, etc.
• Identity proof: Voter ID, Aadhaar card, etc.
• Age proof: Voter ID, Aadhaar card, etc.
• Income proof: Salaried - last 3 months' payslips, Self-employed - audited financials for two years

Note: Additional documents may be requested by the financial institution as needed.

IndiaBulls Dhani Personal Loan EMI Calculator

The IndiaBulls Dhani Personal Loan EMI Calculator is a digital tool to calculate monthly EMIs and interest for loan amounts. Input the loan amount, interest rate, and tenure to get results aligned with your repayment ability.

Comparison with Other Lenders

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

Contact IndiaBulls Dhani Customer Care: For queries, reach out via email or toll-free number. They are committed to offering assistance and resolving issues swiftly.