What's a Personal loan?
A Personal Loan is a form of credit that a person receives to make a big purchase. It aims to help you with your financial needs. There is no conventional mortgage system while availing a personal loan & the authorities provide you with the flexibility to use the funds as per your needs.
What is the minimum and maximum loan amount offered?
We provide flexibility to user to avail loan amount from us starting from ₹ 50.0 K. This limit can go upto ₹ 40.0 Lacs.
Does Dhani Finance India provide its services all over India?
Yes, we are able to provide you with our services from anywhere in India. Just Log on to Dhani Finance India to avail instant personal loan.
Does having a CIBIL score mandatory for availing loan through Dhani Finance India?
No, a CIBIL score isn’t mandatory to avail loan through Dhani Finance India.
What are the terms for availing a Personal loan through Dhani Finance India?
To apply for a Personal loan through Dhani Finance India, customer
• Should be an Indian Citizen,
• Should have a valid email address & mobile number,
• Should have a valid 12-digit Aadhaar Number issued by the UIA. It serves as a proof of identity and address, anywhere in India.
• Personal Bank account with an access to Net Banking.
Will I be eligible to apply for a personal loan, if I am not able to produce the requisite documents?
As per Dhani Finance India's policy, you need to have at least one of the mentioned documents, to apply for a Personal loan.
Can an existing user re-apply for a Personal loan?
Yes, one can re-apply for a Personal loan, however, it is subject to conditions depending on the applicant’s credit history.
What is the interest rate on the loan offered at Dhani Finance India?
The interest rates offered here at Dhani Finance India are based on various factors such as loan amount, tenure, credit score, etc. It may vary from customer to customer.
Is there any loan pre-closure charges?
No, there is no loan pre-closure charges.
What is the time taken for Loan Approval and Loan Disbursement at Dhani Finance India?
Provisional approval of the Loan Application takes just a few minutes as the process is online. The user have to follow simple steps to avail loan from us with minimal documentation. We aim to disburse the loan amount within one working day after the KYC is done.
How can a user apply for a Personal loan at Dhani Finance India?
User needs to follow these simple set of instructions to apply for a Personal loan at Dhani Finance India:
• Register with us on our webpage
• Complete the application form by filling in your KYC Details, Personal Details, Loan Details & finally Bank Details.
• After applying, your application gets verified you get the Loan Approval.
• You can visit your dashboard by logging in to Dhani Finance India website to check your application status.
• You can use the same dashboard to pay the EMI.
What should be the format of the file that can be uploaded as Aadhar Card?
The documents can be uploaded in JPEG, JPEG, PDF and PNG formats. There's no size limit for the files to be uploaded.
How can the use repay his loan amount?
Mode of Loan Repayment-
• PAY ON WEBSITE
• Visit and click on 'PAY EMI' button.
• Fill the required loan details and enter monthly installment.
• Choose a debit card or net banking option to make your payment.
• Enter transaction password or OTP sent to your registered mobile number, to complete the transaction
• Save the receipt for future use. Kindly check your E-mail and SMS for payment confirmation.
Can the Loan Amount and Loan Tenure be selected manually by the user?
Yes, the Loan Amount and Loan Tenure can be selected manually by the user. In fact we only allow the user to select the loan amount and the loan tenure. However, the loan amount and tenure selection eligibility is subject to conditions.
What is an OTP?
OTP stands for One-Time Password for registration onto the portal. To log in to Dhani Finance India, user needs to enter this password that he will recieve on his phone number that is registered with us.
What to do if the OTP is not received on the mobile?
If the OTP is not received, it is advisable to wait for OTP for a minute. If you still don't receive it, and then click on re-send button.
What needs to be done if someone leaves their loan application in the mid-way?
If that happens, you can come back & complete your Loan Application within 7 days from the time you started.
When can a user avail a personal loan from Dhani Finance India?
The Loan Amount will be disbursed on all working days.
When would the Repayment of the loan start?
The Repayment date would start from the next month from the time loan was issued.
How much of the installment does a user will have to pay every month?
The user will have to pay the repayment in form of EMI which will be calculated along the application process itself.
Can I Re-pay the complete loan amount before the time decided?
Yes. The process of early re-payment is welcomed after 6 months.
How can a user contact Dhani Finance India's Customer Care?
You can get in touch with our customer care through the contact form or you can mail us your enquiry at loans@onlinedhanifinance.com.
Will you recieve any verification call from the company?
No, you will not recieve any verification call from Dhani Finance India. All the process is online and the verification process is handled automatically by the backend team.
