Get Instant Personal Loan in India in 3 Minutes

A personal loan is a fixed amount borrowed at a fixed interest rate from a financial institution or an online lender and repaid over a fixed tenure which is pre-decided. It is a type of unsecured loan wherein you usually don’t pledge any security or collateral at the time of availing it. Also, you have the flexibility to use the amount as per your needs.

Indiabulls Dhani personal loans are specially designed to ease financing and make it more accessible to people. You can apply for a personal loan using the Indiabulls Dhani App or Log In through the website. With its easy-to-apply online process, you can receive your loan amount in your bank account instantly! Avail personal loan in India starting from Rs 1,000 to Rs 15,00,000 at an attractive interest rate starting from just 11.99% p.a.

Personal Loan Eligibility

Indiabulls personal loan: Most banks and finance companies ask for minimum Rs 15,000 monthly salary before providing a loan to you. But Indiabulls is different!
Check here the primary eligibility criteria to get a personal loan in India from Indiabulls:

  • Must have a bank account.
  • You must be a salaried or self-employed person.
  • You must have a good civil score.

To be eligible for personal loans you need to be ready your PAN card and AADHAAR card in your hand while applying for a personal loan.

Personal Loan Apps

Personal Loan App

Loan AppInterest Rate/monthMax. Loan Amount
MoneyTap1.08-2.03%₹ 3,000 – ₹ 5 Lakh
PaySense1.4-2.33%₹ 5,000 – ₹ 2 Lakh
Dhani1-3%₹ 1,000 to ₹ 15 Lakh
IndiaLendsStarts from 0.91%Up to ₹ 50 Lakh
KreditBee1.48-3%₹ 1,000 – ₹ 1 Lakh
NIRA1.5-2.5%₹ 10,000 – ₹ 1 Lakh
CashEStarts from 1.25%₹ 10,000 – ₹ 2 Lakh
Capital First Limited1.16-1.33%₹ 50,000 – ₹ 25 Lakh
Credy1-1.5%up to ₹ 1 Lakh
Money ViewStarts from 1.33%₹ 25,000 – ₹ 2 Lakh
Early Salary2-2.5%up to Rs. 2 lakh
SmartCoin2-3%₹ 1,000 – ₹ 50,000
Home Credit3-3.51%Up to ₹ 2 Lakh
LazyPay1.25-2.33%₹ 10,000 – ₹ 1 Lakh
AnyTime LoansStarts from 3.04%₹ 1,000 – ₹ 10 Lakh
mPokketStarts from 3.5%₹ 500 – No Max. limit
Flexsalary0-2%up to ₹ 2 Lakh

How To Get a Personal Loan

Here are the steps to apply for an Instant Personal Loan online

Indiabulls Dhani has made the personal loan application process completely hassle-free. You can simply apply for an instant personal loan online through the website or download the Indiabulls Dhani Personal Loans app and avail an instant personal loan online, right at your fingertips.

Here’s how you can apply for Indiabulls Dhani Personal Loan –

1. Apply Online Through Website or App

Go to apply for personal loan page directly on Indiabulls website or you can download the Dhani App

  • Enter your mobile number.
  • Click on Login/Sign-up button.
  • Enter received OTP to verify your mobile number.

It’s the best practice to use same mobile number which already linked with your Aadhaar number and bank account.

Use my referral code 0009654678 to get instant approval. ( Also it helps me to earn a little commission )

2. Enter Required Loan Amount

After verifying the mobile number you automatically forwarded to the next step; required loan amount.

Just fill your require loan amount by dragging the movable symbol or manually enter the amount how much you need.

Note: It’s just a formality, Indiabulls software automatically check your all provided details and offer you an eligible amount of loan.

3. Fill Your PAN Card & Address Proof Details

Now ready to fill your PAN card details. 

  • Enter you PAN CARD NUMBER and wait for few seconds to verified it automatically. ( A green tick appears when your PAN got verified by loan merchant website. )
  • Enter your address proof. ( Use Aadhaar details as your address proof for instant verification. )

4. Get Offer Loan Amount According to Eligibility

After submitted your PAN and Aadhaar details, Indiabulls automatically offer you the best loan amount with tenure which deserves you.

For the fist time applicant, the loan eligibility totally depends on the Credit Score or Cibil Score.

Credit Score RangePositionBenefits
Below 600PoorLoan approval is very slim.
600 to 649DoubtfulInterest rates will be higher than normal.
650 to 699FairLow approval and limited options.
700 to 749GoodAvail loan with greate interest rate.
750 and aboveExcelentQuick approval with lowest interest rate.

Check Your Cibil Score Here >>

5. Provide Bank Account Details to Receive Loan Amount

When you decide to receive the offered loan amount, you vave to provide your bank details like

  • Account Number
  • IFSC Code

Note: Kindly enter your self account, don’t put others account details.

5. Instant Approval and Disbursal into Your Bank Account

Now within a minute Rs 1 credited to your bank to verify your bank account details.

Congratulation! just wait for few minuter to receive the require loan amount in your bank. 

Don’t forget to enter the referral code 0009654678 to get instant approval.

Personal Loan EMI Calculator

The Loan EMI Calculator helps you calculate the EMI of Home loan, Business loan, Personal Loan and others that you will be required to pay.

Personal Loan Rates

Interest Rate

Loan AppInterest Rate
IndiaLendsStarts from 0.91%
CashEStarts from 1.25%
Capital First Limited1.16-1.33%
Money ViewStarts from 1.33%
Early Salary2-2.5%
Home Credit3-3.51%
AnyTime LoansStarts from 3.04%
mPokketStarts from 3.5%

About the author


A professional blogger from West Bengal, India. I love blogging about Digital Life and the Stock Market. Also the Co-Founder of SK Capital Analysis and Sales Associate at ZERODHA.