Dhani is a personal loan provider in India that offers loans at competitive interest rates. In this blog post, we will explore the features and benefits of taking out a Dhani personal loan. We’ll also provide an EMI calculator so that you can see how much your loan would cost you each month. Finally, we’ll walk you through the process of applying for a Dhani personal loan.
Highlights of Dhani Personal Loan
|Interest Rate||Starting at 13.99% p.a.|
|Loan Amount||Up to Rs 15 lakh|
|Loan Tenure||Up to 2 years|
|Processing Fees||3% onwards|
Indiabulls Dhani Personal Loan
The Dhani Loan is a personal loan offered by the Indian company, Dhani Loans, and Services. It is an unsecured loan, which means that it does not require any collateral. The loan can be used for any personal expense, such as travel, home improvement, or medical expenses. The loan amount can range from Rs. 1,000 to Rs. 15 lakhs, and the repayment period is between 3 and 24 months.
Dhani Personal Loan Interest Rates
When it comes to personal loans, one of the main factors that borrowers consider is the interest rate. After all, the higher the interest rate, the more expensive the loan will be in the long run.
Fortunately, DHANI offers competitive interest rates on its personal loans. In fact, you can get an interest rate as low as 13.99% if you have a good credit score and meet other eligibility criteria.
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Features of Dhani Personal Loan
Quick and easy approval: Dhani Loans and Services offers quick and easy approval for Personal loans. The entire process is online and can be completed in just a few minutes.
- Quick and easy approval: Indiabulls Dahni offers quick and easy approval for Personal loans. The entire process is online and can be completed in just a few minutes.
- No collateral required: Since Dhani Personal Loan is an unsecured loan, no collateral is required to avail of the loan. This makes it easier for individuals with no asset ownership to avail of this loan.
- Competitive interest rates: Dhani offers competitive interest rates on Personal Loans, starting at 13.99%.
- Flexible repayment tenure: Indiabulls offers flexible repayment tenures for Dhani Personal Loan, ranging from 3 to 24 months. This allows borrowers to choose a repayment period that suits their financial needs and repayment ability.
- Minimal documentation: Dhani Loans and Services requires minimal documentation for availing of a Dhani Personal Loan. Borrowers are only required to submit their KYC documents, income proof and bank statements with the loan application.
- Pre-approved offers: Dhani offers pre-approved personal loan offers to existing customers, which makes availing the loan easier and faster.
Type of Indiabulls Dhani Loan
Indiabulls Dhani provides loans at attractive interest rates. The company offers different types of loans to suit the different needs of its customers.
1. Loan For Wedding
When it comes to wedding planning, there are a lot of things to think about – from the dress and flowers to the venue and catering. And, of course, you’ll need to budget for all of these expenses. If you’re looking for a personal loan to help cover the cost of your wedding, Dhani could be a good option.
2. Loan For Travel
The Dhani Personal Loan for Travel is designed to help you finance your dream vacation. It offers a competitive interest rate and a flexible repayment period, making it an affordable way to finance your travel plans.
3. Loan For Medical
Dhani Personal Loan for Medical is a convenient and affordable way to finance your medical expenses. With this loan, you can get up to Rs. 15 lakhs at low-interest rates, with flexible repayment options. You can use the loan amount for any purpose related to your medical treatment, including hospitalisation expenses, doctor’s fees, medication costs, etc.
4. Loan For Two Wheeler
Looking to finance your new two-wheeler? Dhani has you covered! With Dhani Two Wheeler Loan, you can get up to 100% funding of the on-road price of your bike. Plus, Dhani offers competitive interest rates and flexible repayment tenures to make repayment easy for you.
5. Loan For Used Car
If you are looking to take out a loan to finance the purchase of a used car, then you may want to consider taking out a Dhani app Loan for a Used Car. With this type of loan, you will be able to get the financing that you need in order to buy a used car without having to put any money down.
Eligibility Criteria For Dhani Loan
To be eligible for a Dhani Personal Loan, you must:
- Be at least 21 years old
- Have a regular source of income
- Be an Indian resident with a valid government ID
- Have a savings or current account with a bank
Documents Required for Indiabulls Dhani Loan
When you apply for an Indiabulls Dhani Loan, you will need to submit the following documents:
- Adhar Card
- PAN Card
- Address Proof (Aadhaar card, ration card, voter ID, utility bills)
How to Calculate EMI for Dhani Personal Loan?
Assuming you have decided to avail a personal loan from DHANI, and want to know your EMI amount, you can use the DHANI personal loan calculator.
- The first step is to enter the loan amount that you require.
- The second step is to select the tenure for which you would like to avail of the loan, i.e., the period over which you will repay the loan (in months or years).
- The third step is to enter the interest rate at which you will be borrowing the loan.
After entering these three details, click on ‘Calculate’ and you will instantly get your EMI amount along with a detailed amortization schedule. This will give you an idea of how much interest and principal component is there in each EMI payment. You can also adjust any of these three variables (loan amount, tenure, interest rate) and see how it impacts your monthly EMI payments.
Factors Affecting Dhani Personal Loan Interest Rate
When you are availing a personal loan from Dhani, the company will consider various factors to determine your interest rate. Some of these include:
- Age: The older you are, the more trustworthy you appear to be in the eyes of the lender. This increases your chances of approval and also allows you to negotiate for a lower interest rate.
- Credit Score: Your credit score is one of the most important factors in determining your personal loan interest rate. The higher your credit score, the lower your interest rate will be. If you have a good or excellent credit score, you’re likely to qualify for Dhani’s lowest personal loan interest rates.
- Loan Amount: The loan amount you borrow also affects your personal loan interest rate. In general, the larger the loan amount, the higher the interest rate will be. However, at Dhani we offer competitive rates on all our personal loans, regardless of loan size.
- Loan Term: The length of your personal loan also impacts your interest rate. Shorter-term loans typically have lower interest rates than longer-term loans because they carry less risk for lenders. At Dhani, you can choose from a variety of Personal Loan terms to find one that fits your needs and budget.
- Monthly income: Your monthly income is another key factor that lenders will consider when determining your interest rate. A higher income means that you’re more likely to be able to afford your monthly loan payments, which decreases the risk for the lender.
- The purpose of the loan: The purpose of the loan is also an important factor that will affect your interest rate. If you are taking the loan for a legitimate purpose such as medical expenses or education, you will be eligible for a lower interest rate. However, if you are taking the loan for frivolous purposes such as vacations or shopping, you will be charged a higher interest rate.
How to Apply for a Dhani Personal Loan?
Dhani personal loans can be easily applied for online in a few simple steps. The whole process is paperless and can be completed within minutes. Here’s how to apply for a Dhani personal loan:
- Log on to the Dhani loan app or website and click on the ‘Personal Loan’ tab.
- Enter your personal details like name, mobile number, email ID, etc.
- Choose your loan amount and repayment tenure as per your requirement.
- Select your preferred mode of payment – ECS, NACH or cheque.
- Fill in your bank account details and submit KYC documents like Aadhar card, PAN card, etc.
- Review your loan application and submit it.
- Once all the details are verified, you will receive an approval notification on your registered mobile number and email ID within minutes.
- The loan amount will be disbursed to your bank account within 24 hours.
Dhani Personal Loan Customer Care
In order to provide the best possible service to customers, Dhani has a dedicated team of customer care representatives who are available 24/7 to answer any questions you may have about Dhani products or services. You can reach the Dhani customer care team by phone at 1860-419-3333 or by email at firstname.lastname@example.org.
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Q. What is the interest rate on a Dhani Loan?
Ans. The interest rate on Dhani Personal Loan starts at 13.99% per annum.
Q. What is the maximum loan amount that I can avail?
Ans. You can borrow up to Rs. 15 lakhs with an Indiabulls Dhani Personal Loan.
Q. Do I need to provide any collateral for a Dhani Loan?
Ans. No, you do not need to provide any collateral for a Dhani Personal Loan.
Q. How much processing fee is charged on Dhani Personal Loan?
Ans. A processing fee of 3% of the loan amount plus GST will be charged on your Dhani Personal Loan application.
Q. How can I repay my Dhani Loan?
Ans. You can repay your Dhani Personal Loan through EMIs (Equated Monthly Installments). The repayment tenure for Dhani Personal Loan ranges from 3 to 24 months.
Dhani is a great option for those who are looking for a personal loan. With competitive interest rates and a simple application process, Dhani makes it easy to get the money you need. Plus, with no hidden fees or prepayment penalties, you can be sure that you’re getting a fair deal. If you’re considering taking out a personal loan, be sure to check out Dhani.