Dhani Loan, Dhani Personal Loan, Dhani Business Loan, Dhani Medical Card, you must have heard all these and this is also true. And it is also true that you can take Dhani Personal Loan online. To take this loan, you do not need to go to any office nor do you have to submit many documents. To take any financial credit from Dhani Financial Company, one just has to download an application named Dhani App.
But there is also a truth behind this, which is veiled by those customers who have taken loans from such companies. Whether the Dhani company also lives up to its criteria, whose drum is beaten, is there any other truth behind it. In today’s article, we will tell you about the advantages and disadvantages of Dhani app.
Table of Contents
Services Offered by Dhani App
Dhani app gives personal loan.
You can apply for both secured and unsecured loans from this app.
Dhani App provides credit line.
A medical card can be made from this company, which can be used to meet the cost of consultation fees and medicines.
Dhani company gives business loan.
In business loan, the loan is given only for upgrading the old business and not for setting up a new business.
This company gives loans only for small industries.
Free consultation of doctor for first 30 days.
Dhani Loan Details
A loan of Rs 1000 to Rs 15 lakh can be taken from Dhani App.
All loans can be availed online only.
Dhani loan directly transfers the amount to the customer’s bank account.
The tenure of Dhani personal loan ranges from 3 months to 24 months.
Business loan up to Rs 40 lakh can be taken from Dhani App.
The tenure of Dhani Business Loan ranges from 12 months to 48 months.
Business loan can be taken to increase the cash flow.
Can be taken to enlarge the scope of the office.
Loans are given to buy a new machine, extend the lease, or repair an old machine.
Technology can be updated in the company by taking this loan.
Stock can be increased.
New employees can be hired by taking loans.
Raw material can be purchased to make the product.
Business can be expanded from one city to another.
Dhani App sets up a credit line for the customer which he can use for medical consultation and to buy medicines
Dhani Loan Interest Rate
Dhani loan is divided into two types secured loan and unsecured loan.
A secured loan is one for which some property is pledged to take it. which is called collateral. There are secured loans such as business loans and home loans.
Unsecured is the loan that does not have to mortgage any property to take it.
Dhani charges an interest rate of 11% on secured loans.
Dhani charges 12.99% interest rate on unsecured loans
Dhani Loan Charges 2022
Unsecure Loan Charges
| Item | Charges |
|---|---|
| Processing Fees | Starts from 3% |
| Loan foreclosure | Start From 5% |
| Interest rate | Starts 13.99% |
| Bounce charges | 400 per bounce |
| Late Payment penalty | 3% per month |
| Duplicate NOC | Rs. 500 per request |
| Repayment mandate | Rs. 500 per request |
| Loan Cancellation Charges | Rs. 3000 |
| Loan Re booking charges | Rs. 1500 |
| Statement of account charges | Rs. 500 |
| Duplicate Repayment Schedule | Rs. 500 |
Secure Loan Charges
| Item | Charges |
|---|---|
| Processing Fees | Starting 1.0% |
| Interest rate | Starting 11% |
| Dishonor Charges | Rs 750/ |
| Transaction Handling Fee | Rs. 2500/- |
| Physical Statement Of Account | 200/- |
| Original property documents retrieval | Rs. 5000/- |
| Data Admin Fee | Rs 650/ |
Benefits of Dhani App
You can get interest card made for free.
Free doctor consultation is available for the first 30 days from the date of card generation.
0% interest rate is charged for using the card up to 5 lakhs.
Get 50% discount on prescribed medicines by doctors.
Free away step delivery is available.
Once the payment can be reversed for three months from the date of purchase of medicines, on which no interest is charged.
Get up to 50% discount on every medicine ordered through Dhani App.
There is no fee for opening the account.
Account can be opened on Dhani App in just four setups.
Get instant credit in just 3 minutes.
You can repay the loan in small EMI.
Get up to 10% cashback on EMI every month.
You can get RuPay made on Dhani on which offers are available
Documents Required for Dhani Personal Loan
Here is a list of documents which are required for Dhani personal loan.
Aadhar Card
Pan Card
Bank Account
Dhani Personal Loan Eligibility
You must be a citizen of India to avail Dhani Personal Loan.
Must have Aadhar card.
Must have PAN card.
Must have a bank account.
To take this loan, Dhani app has to be installed in your mobile.
How to Dhani Loan Apply
To Dhani Loan Apply, first install this app in your mobile.
On Google Play Store of your mobile, write Dhani Loan and click on the result that appears at the top.
First of all Dhani app download , after installing Dhani app, open this app.
While opening the app, this app will ask you for permission, give it permission on your mobile.
In the next step click on Get Started
On the next page enter your mobile number and click on Next.
On the next page, create your own 6 digit password and remember it.
After creating the password, click on Continue.
Biometric authentication can be skipped so click on skip here.
In this way your Dhani App Dashboard will open.
If you want to take loan from Dhani App then click on Refer and earn link.
You need to activate Dhani Freedom Card to avail Dhani Loan.
So scroll down this page a bit and activate Dhani Freedom Card.
On activating the Dhani Freedom card, you will have to pay Rs 125 charges every month, only then you can get a personal loan up to Rs 5 lakh.
Once Dhani Freedom is activated, your daily credit limit will be activated.
To avail a personal loan, you have to click on Daily Credit Limit again in the main dashboard.
On this page you have to click on apply.
After clicking on apply, you will be asked for your Aadhar Card, PAN Card and Bank Account.
After entering the Aadhar card, an OTP will be sent to the mobile number linked to your Aadhar card.
After entering the OTP on the screen, click on Next.
In the next step, enter your PAN card number and bank account number, IFSC.
Once your documents are validated, a loan account will be sanctioned to your credit limit.
Click Continue below the section limit and follow the next few steps.
In this way your loan will be added to your Dhani Wallet. From here you can transfer this amount to your account as well.
To transfer the loan amount to your bank account, click on the Transfer Money icon in the dashboard.
Click on Transfer to Bank Account On the next page.
Re-add your bank account on this page.
After selecting the bank account on the next page, after entering the amount you want to withdraw, click on Continue.
With this option, you can withdraw a maximum of Rs 25000 at a time.
Once the request is made, this money is transferred to your account for 24 hours.
Read Also :
SBI Personal Loan Review
Yes Bank Zero Balance Account
Bandhan Bank Net Banking
Home Loan Interest Rate All Bank
SBI Home Loan CIBIL
Canara Bank Net Banking
Dhani App Review 2022
You must have read some of the above mentioned Dhani App Advantages but there is not always only one side of the coin, there is also another side of the coin. Dhani loan app is not good enough to be used blindly.
First of all, Dhani Loan says to give personal loan up to 5 lakhs but this is not true at all.
90% of the people are able to take loan only from 5 to 10 thousand rupees from Dhani App.
To take a personal loan, one has to first take a paid subscription to this app, which is a minimum of Rs 125 per month, while some people complain that they are being charged Rs 600 per month.
Therefore, if your credit score is correct, then it would be good to take a loan directly from the bank.
Some people also complain to the wealthy supporting staff that the customer care of this company is not good.
Some also complain about Loan Dhani app that this app does not give correct updates. Even after filling the installation, it keeps showing arrears.
So if you want to use Dhani app, then use it wisely.
Dhani App Customer Card Number
Dhani App Customer Card Number is 0124-6555555
1 thought on “Dhani app Review 2022 | How to Apply for Dhani Personal Loan”