Personal Finance   Brand Connect
Do More With The Indiabulls Dhani App
A personal loan is an unsecured loan, which means that you do not need to provide any collateral to borrow. Unlike other loans, a personal loan does not require you to keep any collateral or security with the lender. Banks and financial institutions can lend this loan at a lower interest rate, if you have a good credit score. Gone are the days when availing a loan was a painful task. Loads of documents, long approval and verification process, multiple visits, all of this made availing a loan a scary venture to take on. But these days, technology has made things easier. You can get an approved personal loan right at your fingertips. Do not wait for the right time, use a personal loan EMI calculator & apply online today with Indiabulls Dhani to forget about all your financial worries as you are in safe hands. With an instant personal loan, all your financial short comings get solved immediately.
 
Indiabulls Dhani is among the best personal loan providers in the market at present. Following are the Top benefits of availing an unsecured personal loan with Indiabulls Dhani:
 
 
1. Instant Loan Disbursal – money in 3 minutes!
 
Ever since the inception of banking, the process to apply for a personal loan has been a lengthy process followed with lots of stress, tension and time consumption. Instant Personal Loans are the solution to all the above issues. Once you fill in the required details in the Dhani app, your loan is processed, approved and disbursed into your bank account in almost 3 minutes! With Indiabulls Dhani get instant disbursals on loan amounts ranging from INR 500 to 15 lakhs.
 
2. Completely digital Loan Application Process – on Dhani App
 
Gone are the days of queuing up at bank and NBFC branches which bunch of documents to apply for a loan. With Indiabulls Dhani, the entire process is online – on Dhani app. From your loan application to the document verification and even loan disbursal is done online, making it an instant and hassle free process. Indiabulls Dhani customers are at ease because of the extremely simple and hassle-free documentation as there is no physical documentation required to opt for a personal loan which enables you to apply for a loan from anywhere and anytime with Indiabulls Dhani, available for your loan application 24x7.
 
3. The Most Rewarding Personal Loan in India – Earn cashback every month!
 
Indiabulls Dhani is the only loan providing company which enables its customers to earn rewards while they avail a personal loan. You have an opportunity to reduce your EMIs by earning Dhani points which gets converted into cash on every monthly installment payment in time. Dhani Points is the exclusive reward point program for Dhani customers, wherein each Dhani Point is equivalent to INR 1. This eventually helps you reduce your EMI cost. And this can be done by doing simple activities on Dhani App – Play Spin the Wheel, Mobile Recharge, Bill payments, Travel Bookings and use Dhani Pay RuPay digital card to shop at any online merchant. Moreover, every time you refer a friend to avail a Dhani personal loan, you can earn 250 Dhani points, which means you earn INR 250 for this referral helping you reduce your next EMI by the earned amount.
 
So we see customers earning cashback amount ranging from 250-500 every month, and thus effectively your loan becomes one of the cheapest in the market!
 
4. No Collateral Required
 
For Indiabulls Dhani personal loans, you don’t need to provide any collateral or any physical documents. Its hassle free and seamless. 
 
5. Use the Loan As Per Your Need
 
The personal loan availed from Indiabulls Dhani can be used to fulfil any of your financial needs. Buy a car, a two wheeler, plan your dream holiday, and fund your higher education or an unexpected medical emergency. Not just these you can use the same for your home renovation or even use it for debt consolidation. Be whatever your need, their personal loan has got you covered!
 
6. More money for all your future needs
 
Indiabulls Dhani is very popular with its customers as it provides additional funds for your future needs. Be it a new purchase or any emergency need for instant cash, an existing Indiabulls Dhani customer is offered a special benefit of Top-up loans and which one get instantly with just a few clicks on Dhani App. 
 
7. Flexible Tenures & Zero Pre-payment Charges
 
Indiabulls Dhani customers enjoy benefits like high disbursal loan on flexible tenure ranging from 3 months to 36 months. Many lenders impose a penalty if you try to prepay the loan before its tenure ends. This happens because the lender wants to make good of the revenue loss as the interest on the loan will not be paid. Indiabulls Dhani, on the other hand, does not impose any pre-payment charges for loans under Rs 20,000, if you want to repay your loan before the tenure. Further to this, every timely EMI repaid by you enables you to get better loan eligibility on your next pre-approved Dhani loan 
 
Apart from these, Indiabulls Dhani customers enjoy added benefits from their personal loan app. The Dhani App has many more exciting benefits than one can avail in addition to availing a quick personal loan. In addition to a personal loan you can avail a Pre-Approved credit line facility with minimum documentation, which allows you to shop now and pay later! You also have an added Credit facility with by availing Platinum RuPay card which allows paying online or at more than 30 lakhs+ merchants across India to buy products and utilities & pay later.
 
So you get much more than just a personal loan when you apply for one with Indiabulls Dhani. Now avail a personal loan and Do More with Dhani through their personal loan app and easily manage your personal finances.
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    COMMENTS

    ramjeet.bathinda

    6 months ago

    Any one required personal loan contect me 9217170008

    sana11mulla

    7 months ago

    Like i took a loan from Dhani and the process is quick and all this through my phone

    m.muralidharan

    7 months ago

    Online loans without proper biometric authentication will be prone to frauds and harassment of individuals whose papers are forged. Easy loans cannot dilute strong verification process. Else, it will be a nightmare for all.

    RAEES RAJPOOT

    7 months ago

    THIS IS RELIEVING. THERE IS NO OTHER LENDER IN THE MARKET WITH SUCH STRONG SUBSTANCE.

    Personal Finance   Sponsored Post
    Bajaj Finserv Offer - Avail Top-up Loan of up to Rs. 50 Lakh with Extra Benefits
    India has one of the fastest-growing and most promising real estate markets in the entire South-Eastern Asia. There has been an ever-increasing demand for affordable housing across the nation, especially in the metropolitan areas, as changes in employment structure and job market has driven hundreds of people to the urban centres.
     
    Rising earnings amongst middle-class families and the availability of credit has also fuelled the need for good-quality, affordable housing amongst a substantial number of Indian citizens. Financial institutions can offer upwards of Rs. 3.5 Crore to eligible applicants, allowing them to purchase property that best suits their unique requirements. Companies like Bajaj Finserv also provide Top-up loan on existing credits to help borrowers meet unexpected financial necessities.
     
    What is a top-up loan?
    Top up loan is offered as an additional credit, over and above a home loan issued to a borrower. Top-up loans are ideal for situations where a borrower requires additional funds for property-related expenses.
     
    Existing customers of Bajaj Finserv can avail a home loan top up in 2 ways – they can apply for top up loan after carrying out a balance transfer from a different financial institution, or when one has successfully repaid their home loan for two to three years.
     
    A top-up on an existing home loan offers several advantages as the additional funding helps a borrower meet unplanned financial requirements. Moreover, there are several other benefits provided by Bajaj Finserv to their customers.
     
    Benefits offered by Bajaj Finserv on home loan top up
    Large funding option – Borrowers can get up to Rs. 50 Lakh as a top-up on home loan from Bajaj Finserv. The loan amount can even exceed the initial home loan amount if the property valuation has increased to such an extent.
     
    However, the sanctioned loan amount depends on the outstanding loan balance in case a borrower opts for a balance transfer.
     
    This facility is utilised by an individual only when a lender of their choice offer a lower home loan interest rate compared to the existing one. It allows considerable savings on interest payments during the loan tenor.
     
    No additional documentation – Borrowers applying for a top-up credit will not have to go through any documentation and verification process for approval as these advances are offered to existing home loan customers only. Lenders will look at their current credit rating and repayment habits to determine their creditworthiness. Moreover, all the necessary documents, including mortgage documents and KYC details, will be present with the financial institutions, which eliminate any need for extensive documentation after approval. Borrowers only have to pay a nominal fee during balance transfer as this process does not attract any other home loan fees and charges. 
     
    Zero end-use restriction – Home loan top-up credits do not come with any end-use restriction, allowing a borrower to utilise the funds to mitigate any financial requirement. One can opt to utilise the funds to pay for renovations that increase the home’s value or pay for any high-value expense such as family occasion, large scale purchases, etc.
     
    Longer tenor – Top-up loans can increase the existing home loan’s tenor by a further 1 to 2 years, which can help a borrower plan their finances and handle the repayments. One might also get an extension depending on the number of existing years still remaining on their previous home loan’s tenor.
     
    Tax benefits – One of the most significant benefits for a home loan top-up is that it offers tax exemption on the paid interest in accordance with Section 24 of the Income Tax Act.
     
    However, a borrower will have to abide by a few instructions to enjoy the tax benefits. These are the following – 
    1. They will have to utilise the amount for home renovation and expansion or to upgrade soft furnishing and home appliances.
    2. They will be eligible for tax exemption if they purchase furniture with the fund.
    3. One can claim tax exemption if they make any structural changes or repairs (including modification to the plumbing and wiring) with the loan’s amount.
     
    Moreover, Bajaj Finserv also provides pre-approved offer to their existing customers that simplify the process of availing finance and help save time during the process. Such offers are available on both secured and unsecured credits, including advances like home loans, personal loans, business loans, etc. You can check your pre-approved offer by sharing only some essential details online.
     
    With a considerable top-up loan of up to Rs. 50 Lakh, paired with an affordable rate of interest and borrower-friendly repayment tenor, a borrower can easily meet the financial necessities and repay the debt in time without straining his/her finances. You can renovate your existing home to be the ideal residential property of your choice with the help of such substantial financial backing.
     
     
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    SBI to offer repo rate-linked home loans from July 1
    The State Bank of India (SBI) on Friday said it would offer repo rate-linked home loans from July 1, 2019.
     
    It also announced the reduce interest rate on cash credit account and over draft customers with limits of over Rs 1 lakh, from July. The current repo-linked lending Arate (RLLR) for cash credit and overdraft customers is 8 per cent.
     
    "The benefit of reduction in repo rate by 25 bps (basis points) by RBI has been passed in its entirety to CC/OD customers (limits above Rs 1 lakh) banking with us, with effect from 1st July 2019," an SBI statement said.
     
    Disclaimer: Information, facts or opinions expressed in this news article are presented as sourced from IANS and do not reflect views of Moneylife and hence Moneylife is not responsible or liable for the same. As a source and news provider, IANS is responsible for accuracy, completeness, suitability and validity of any information in this article.
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