Key Dhani Loan Features
Key Dhani Loan Features
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Dhani personal loans range from ₹1,000 up to ₹15 lakhs, making it flexible for small and large financial needs.
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Interest rates start at about 13.99% per annum, varying by credit profile and other factors.
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Loan tenure options range from 3 months up to 24 months, sometimes extended up to 60 months for special cases.
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Completely digital application process — apply, verify, and even track through the Dhani app or website.
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Instant approval and disbursal directly to your bank account.
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No collateral or guarantor required; the loans are unsecured.
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Only basic KYC documents needed: PAN card, address proof, and bank details.
User Experience & Reviews
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Mainly positive for quick approval and ease of access, with some customers praising the hassle-free paperwork and fast disbursal.
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Some complaints exist regarding app glitches, account blocking, and service issues but Dhani customer support appears responsive.
Eligibility & Application
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Salaried and self-employed individuals can apply.
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Minimum documentation: Aadhaar/PAN, address proof, bank details.
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Online application in 5 simple steps: mobile number, OTP verification, selecting loan amount/purpose, and final application.
Fees and Charges
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Processing fees start around 3%.
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Foreclosure charges apply after 6 months, usually about 5%.
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Bounce charges, late payment penalties, and other administrative fees exist.
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Transparent fee structure, accessible on their platforms.
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