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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Personal Loan from Indiabulls is a one of its kind loan product. It not just offers the much needed financial assistance at the right time, it also gives various value added services like a rewards program (first in the country for a loan product), Dhani Fortune (an everyday contest on the app that allows you to win Dhani cash) and many more interesting rewards to its loyal customers. Borrow loans starting from Rs.3000 and up to Rs.15 lakhs at low interest rates starting at just 13.99%.
Currently not available! for similar products
Processing Fee
2.5%
Max Tenure
nil*
Best Rate
11.99%
A Personal loan is designed to meet all personal and emergency cash needs of an individual. It can be used for any of your personal dreams, such as higher education, dream marriages, long-awaited holidays, much-needed home improvement, or other emergency medical needs. Indiabulls Personal loans come with flexible options and competitive interest rates to assist you with some form of financial crisis needs.
Dhani Loans & Services Limited (formerly known as Indiabulls Consumer Finance Limited) has launched the Dhani Personal Loans. Dhani portal guides you through the entire personal loan process. The process is completely online and you can either apply on the Dhani website or the Dhani App that is available on both Google Play Store and Apple App Store.
Complete online process – Indiabulls Dhani portal and mobile apps allow you to complete the entire loan application process online. It has been designed to make it utmost user friendly. It has a simple user interface that everyone can easily understand and navigate.
Faster approvals and disbursals – Indiabulls Dhani portal processes your application and approves within minutes. Your loan amount is credited to your account immediately so that you can get the funds for your use immediately.
Simple, hassle-free process – The Dhani portal allows you to apply, process and avail the loan amount completely online. There is no need for you to visit any branch physically to get the loan. In these Covid-19 times, this serves as a great benefit for customers.
Best Interest Rates – Indiabulls Dhani Personal Loans come with the best interest rate in the market. Though they depend on your eligibility criteria, the interest rates are as low as 13.99%, which results in very low EMI for you.
Just 2 documents to process the loan – You just need to submit your PAN Card and address proof document for the online loan processing. These 2 documents are sufficient to get an instant personal loan on the Dhani portal.
Online account for loan management – If the loan can be applied online, shouldn’t you be able to manage it online too? Yes, Dhani portal allows you to manage your loan completely online. You can make payments or profile changes conveniently with a single click.
ZERO prepayment charges – If you come across some additional funds and want to pre-close the loan, you can easily do it without paying any additional charges. This feature is applicable for loan amounts of up to Rs. 20,000 only.
Dhani Cash – Imagine getting reward points for your personal loan account. Dhani Cash is an un-precedent loyalty program for active personal loan customers. Active customers of Dhani Personal Loan can earn reward points in various ways by using the Dhani App. Logging on to the app everyday & making timely EMI payments are some actions that can earn you reward points. What’s more! You can redeem these reward points against mobile recharges, bill payments or gift vouchers through the Dhani App.
Spin The Wheel - ‘Dhani Fortune’ is similar to the ‘Wheel of Fortune’ game where you get to spin the wheel once in a day and win up to 100 Dhani Cash.
EMI Calculator – The Dhani portal has an EMI calculator on both the website as well as the app. This calculator allows you to calculate a rough estimate of the EMI amount. This way, you can choose the best tenure and loan amount to suit your needs and also make sure that you don’t overburden yourself with the monthly cash flow.
Here are the eligibility criteria to apply for Indiabulls Dhani Personal Loan:
Indiabulls Dhani Personal Loan can be applied both on the Indiabulls Dhani website or the Indiabulls Dhani Mobile App.
Follow the below steps to apply on the Indiabulls website:
Applying through the Dhani App
As stated above, this loan just needs 2 documents for the processing.
Type of Charge | Charges |
Rate of Interest | 13.99% onwards |
Processing fee | 3% onwards |
Loan foreclosure/pre-payment charges | > 6 months: 5% |
Bounce charges | Rs. 400 per bounce |
Late Payment penalty | 3% per month |
Stamp duty charges for loan documentation | As per applicable laws |
Duplicate NOC | Rs. 500 per request |
Repayment mandate/instrument swapping charges | Rs. 500 per request |
Loan Cancellation Charges | Rs. 3000 |
Loan Rebooking charges | Rs. 1500 |
Statement of account charges | Rs. 500 |
Duplicate Repayment Schedule | Rs. 500 |
Bounce Charges (For Self Employed) | Rs. 750 |
1. Can I get a floating rate of interest on my personal loan?
No, Indiabulls Dhani personal loans come only with a fixed rate of interest.
2. How is the interest calculated for my personal loan?
Your interest liability is calculated every month on a reducing balance method. It is calculated based on a 30-day month and 360-day year.
3. What are the securities/collaterals/guarantors accepted for the personal loan?
For your Indiabulls Dhani Personal loan, no security, collateral or guarantors are required.
4. How much loan can I avail?
You can avail loan amount starting from Rs.3000 up to Rs.3 lakhs.
5. What are the modes available to pay EMI?
EMI can be paid through a NACH mandate. There are 2 EMI due dates offered – 2nd & 5th of every month.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application