Indiabulls Personal Loan – Benefits, Interest Rate, How To Apply

Being an Indian group Company headquartered in Gurugram, Indiabulls has its wide presence in sectors like Real Estate, Infrastructure, Finance, and Securities for catering the varied needs. Indiabulls has launched IndiaBulls Dhani Phone Se Loan. It is a distinctive mobile application designed to offer instant personal loans that can be used to meet personal financial needs including home renovation, wedding, vacation, emergency expenses, etc. The App links a large number of major banks in India and puts them under a single roof via Credit Bureaus, UPI, Aadhaar, and NACH for offering instant personal loan solutions to customers. This Indiabulls Personal Loan is paperless and easy to avail of considering the simple documentation process involved.

Features and benefits of Indiabulls Personal Loan

1. The loan gets sanctioned and disbursed to your account in just 3 minutes.

2. The process to apply for a personal loan at IndiaBulls is simple and 100% online.

3. Only a few basic documents are required to get your IndiaBulls personal loan application approval.

4. Indiabulls currently offers unsecured loans with zero pre-payment charge which makes it more flexible for applicants.

Why choose Dhani

1. Individuals with good credit records can get financial assistance within minutes at the best interest rate in the market.

2. The customers can apply for a personal loan through this app for any purpose, be it for marriage, medical requirements, business, home renovation, business, or traveling.

3. Customers enjoy an end-to-end application process followed by an instant disbursal directly to their bank accounts.

4. Through this app, borrowers don’t need to take any hassle of visiting the banks or other lenders. They can conduct the entire process on their smartphone whenever and wherever.

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5. Applicants belonging to any state, village, and city in India can apply for a personal loan anytime.

6. The easy-to-use interface of Dhani makes the loan application and disbursement procedure extremely easy and quick thus, offering the users the best e-loan experience ever.

Indiabulls Personal Loan details

  • If you meet the eligibility criteria, you can avail an IndiaBulls Dhani personal loan of upto Rs. 15 lakh.
  • IndiaBulls personal loan can be repaid within a flexible tenure that varies from 3-36 months.
  • The interest rates start at as low as 13.99% which is lower than the rates offered by many NBFCs operating in India.


1. The borrower person should be an Indian Citizen.

2. Both salaried and self-employed applicants are eligible to avail loan.

3. Age should be within 21-60 years.

4. Must have an Aadhaar number to complete your KYC and instant money transfer.

5. For disbursal, you must link your bank account to permit the lender to auto-debit monthly EMIs through the Net banking/Debit Cards option OR choose the physical/Aadhaar based e-mandate option.

(The NBFC may include additional eligibility criteria as per its internal criteria.)

Required documents

1. PAN card.

2. Aadhar Card.

3. Driving license/Voter’s id/Passport.

4. Salary slip of last 3 months.

5. Bank statement of last 3 months.

How to apply for Indiabulls Personal Loan

1. Visit the IndiaBulls website and click on Personal Loans.

2. Click on ‘Apply Now.

3. Fill up your Name, Email, and Mobile number.

4. An OTP will be generated and sent to your mobile number.

5. Enter the OTP to validate your account.

6. Then you are required to upload an address proof document and your PAN Card copy.

7. The loan will be processed and if found eligible, the loan will be approved and the amount gets credited to your bank account.

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(Apply through Dhani App)

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

2. Enter your name, email address, and mobile number to create an account.

3. Enter loan details.

4. Upload PAN Card and address proof document.

5. Get the loan approved in minutes and the amount in your bank account.

Fees and charges

1. Processing fee starting at 3% onwards of the loan amount.

2. Foreclosure charges are 5% of the outstanding principal and only allowed after 6months.

3. The loan can be repaid in 3 interest-free EMIs.

4. Bounce charges are Rs. 400/bounce (salaried) and Rs. 750/bounce (for self-employed).

5. Late payment penalty is 3%/month.

6. Loan cancelation and rebooking charges are Rs. 3000 and Rs. 1500 respectively.

Indiabulls Personal Loan customer care service

call on 0406 165 7222 (Maharashtra, West Bengal, and Southern states) or 0124 616 5722 (other states of India 8 A.M to 8 P.M)

Toll-free number 1860 419 3333.

Head office number 0124 668 1199 (available 24 hours for 7 days).

email ID – [email protected]

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