In an age where everything is going digital—from shopping to education—financial services are also becoming faster and more accessible. One such example is the Dhani App, which provides instant personal loans directly through your smartphone. Whether you need quick cash for an emergency or to meet a planned expense, the Dhani App offers a seamless borrowing experience with minimum documentation and no physical visits to the bank.

What is the Dhani App?

Dhani is a mobile-based digital lending platform launched by Indiabulls Ventures (now Dhani Services Ltd). The app offers instant personal loans, health subscriptions, and a range of financial services. With the Dhani App, users can apply for a personal loan anytime, anywhere—without paperwork or collateral.

Key Features of Dhani Personal Loan

• Loan Amount: ₹1,000 to ₹5,00,000
• Tenure: 3 months to 24 months
• Interest Rate: Starts from 13.99% per annum (subject to change)
• Disbursal Time: Within minutes of approval
• Collateral: Not required (unsecured loan)
• Application Mode: 100% online via mobile app
• Customer Support: In-app chat, email, and call support

Benefits of Taking a Personal Loan from Dhani App

• Instant Approval & Disbursal: Funds are disbursed to your account within minutes of verification.
• No Physical Documents Needed: Entire process is paperless.
• 24/7 Application Access: Apply anytime from your smartphone.
• Flexible Repayment Options: Choose the loan tenure that suits your budget.
• Low Loan Amounts Available: Even if you need as little as ₹1,000, Dhani can help.
• Prepaid Rupay Card Option: Get a credit line via the Dhani OneFreedom Card.

Eligibility Criteria

To be eligible for a Dhani personal loan, applicants must meet the following basic conditions:

• Age: Minimum 21 years
• Nationality: Indian citizen
• Employment: Salaried or self-employed
• Minimum Monthly Income: ₹15,000 or more (recommended)
• Credit Score: A good credit history improves chances of approval

Required Documents

Dhani’s paperless process means you only need a few digital documents:

1. Aadhaar Card (for KYC and e-verification)
2. PAN Card (mandatory for identity and credit checks)
3. Selfie or Photograph (taken in-app)
4. Bank Account Details (to receive loan amount)
5. Income Proof (may be required based on amount or profile)

How to Apply for a Personal Loan via Dhani App

Follow these simple steps to get your loan approved and credited instantly:

Step 1: Download the App

Download the Dhani App from the Google Play Store or Apple App Store.

Step 2: Register

Sign up using your mobile number and verify it with an OTP.

Step 3: Complete KYC

Upload your Aadhaar and PAN card. The app will perform an e-KYC verification.

Step 4: Choose Loan Amount & Tenure

Select the amount you wish to borrow and the repayment duration.

Step 5: Submit Bank Details

Enter your bank account details for loan disbursal.

Step 6: Get Instant Approval

Once verified, the loan amount will be transferred directly to your bank account—usually within minutes.

Interest Rates & Charges

Type of Charge	Details
Interest Rate	13.99% – 29.99% p.a. (approx.)
Processing Fee	3% to 5% of the loan amount
Late Payment Fee	As per policy (check app)
Prepayment/Foreclosure	May apply after lock-in period

Note: All charges are indicative. Always read the terms and conditions before applying.

Safety & Trust

Dhani is registered with the RBI as an NBFC, and it follows the digital lending guidelines prescribed by the Reserve Bank of India. All data is secured through encryption and standard protocols.

Frequently Asked Questions (FAQs)

Q1. Is the Dhani personal loan safe?
Yes. Dhani is a registered NBFC and follows RBI guidelines.

Q2. How long does it take to receive the loan amount?
If approved, the loan is usually disbursed within a few minutes.

Q3. Can I get a loan without a job?
A regular income source is usually required. Some low-value loans may still be approved based on other factors.

Q4. Is a PAN card mandatory?
Yes, PAN card is mandatory for loan approval and KYC.

Q5. Can I repay the loan early?
Yes, early repayment is possible but may include prepayment charges.

Conclusion

The Dhani App has simplified personal finance by making loans accessible to anyone with a smartphone and basic KYC documents. It is ideal for salaried and self-employed individuals who need quick funds without paperwork or long waiting times. However, like with any loan, it’s important to borrow responsibly and understand the interest rates and repayment terms.