Who is Dhani Loans and Services Limited?
Dhani Loans and Services Limited, previously known as Indiabulls Consumer Finance Limited, is a non-deposit-taking NBFC (Non-Banking Financial Company) registered with the Reserve Bank of India. It operates as a fully owned subsidiary of Dhani Services Limited. Recognizing the transformative potential of digitalization in the banking and financial sector, the company strategically expanded into retail lending to address the evolving needs of modern consumers.
Through its flagship product, Dhani , the company offers a fully digitized personal loan experience, providing quick and seamless access to funds directly into customers’ bank accounts. Designed with the aspirations of everyday Indians in mind, Dhani emphasizes speed, convenience, and accessibility in meeting personal loan requirements. Beyond personal loans, Dhani Loans and Services Limited also caters to small and medium businesses, offering a range of business financing solutions tailored to their unique needs.
What Does Dhani Do?
Dhani Loans and Services Limited specializes in making personal and business financing accessible, quick, and hassle-free. With their innovative Dhani App , they have transformed the lending experience, enabling customers to fulfill their dreams without the stress of financial barriers. Whether it's a vacation, wedding expenses, higher education, or scaling a business, Dhani provides the financial support needed to turn aspirations into reality.
The app is designed to simplify the process of acquiring loans, including personal and two-wheeler loans. With just a PAN card and address proof , customers can complete their loan application, receive approval, and get funds disbursed directly to their bank accounts—all in an instant. This seamless experience underscores Dhani’s commitment to speed, convenience, and efficiency.
Dhani’s focus goes beyond just loans; it’s about empowering individuals to pursue their goals without worrying about financial feasibility. By offering a first-of-its-kind digital lending platform, Dhani ensures that financing dreams is now easier than ever before.
Here’s the draft for the section on Dhani’s loan offerings:
Loan Offerings by Dhani
Dhani Loans and Services Limited offers a diverse range of loan products tailored to meet the specific needs of its customers. These offerings are designed to provide financial flexibility for life’s various milestones and challenges. Below are the key loan categories available through Dhani:
Two-Wheeler Loans
Making the dream of owning a two-wheeler a reality, Dhani offers hassle-free loans to help customers purchase their desired vehicle with ease.
Used Car Loans
Whether upgrading your current car or buying your first vehicle, Dhani provides loans to help finance the purchase of pre-owned cars, making mobility accessible for everyone.
Wedding Loans
Celebrating life’s special moments shouldn’t come with financial worries. Dhani’s wedding loans ensure that customers can plan their dream wedding without compromising on the details.
Travel Loans
From exotic vacations to quick getaways, Dhani’s travel loans help fund memorable trips, allowing customers to explore the world without financial constraints.
Medical Loans
Health emergencies and medical needs can be stressful, but Dhani offers quick access to funds, ensuring customers have the financial support required during critical times.
Each loan type is backed by Dhani’s commitment to simplicity, speed, and convenience, making the process seamless for its customers.
Key Features of Dhani Loans
Dhani Loans stands out for its customer-centric approach, offering a seamless and efficient lending experience. Here are the key features that make Dhani a preferred choice for borrowers:
Completely Online Process
From application to disbursal, the entire loan process is fully digital, eliminating the need for physical paperwork and visits.
Flexible Tenure
Borrowers can choose repayment periods ranging from 3 months to 24 months , ensuring flexibility to match their financial situation.
Wide Loan Range
Whether it’s a small urgent need or a larger financial requirement, Dhani offers loans from ₹1,000 to ₹15 Lakhs , catering to a variety of needs.
Competitive Interest Rates
Starting at just 13.99% per annum , Dhani ensures affordability for its customers.
Instant Disbursal
Approved loans are disbursed directly into the borrower’s bank account almost instantly, providing immediate financial relief.