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An ultimate guide on Indiabulls personal loan | 2021

When it comes to dealing with the financial contingencies, personal loans in India have always played a crucial role in facilitating the needy people. Today, there are an abundance of moneylenders available in the market which are particularly dealing in this financial space and among those, Indiabulls is one which stands out on the top of them.


Consequently, in this post, we are going to state every significant factor to you about the Indiabulls personal loan so that you can come to know, how good it can play in your case. Let’s get down!


Overview of Indiabulls personal loan


The lender is one of the leading financial institutions in India. It has its headquarter in Gurugram, Haryana. If we talk about the Indiabulls personal loan, it is a credit facility that comes handy to fulfil multiple requirements of a person.


It is quite easy to get the personal loan online either from the Indiabulls official portal or from Indiabulls Dhani loan app.


Additionally, the product is quite popular in the market as the term ‘Phone se Loan’ as it allows people to not visit anywhere to avail the loan; the entire process takes place online through app or website.


The app allows a borrower to pick a particular loan product in accordance with his/her conditions and needs. The app connects almost every major bank in India with the consumer.


Indiabulls puts these banks under a sole roof through Aadhaar, Credit Bureaus, UPI, and NACH to offer instant personal loan solutions to customers. Instant personal loans from the app can be availed without any physical paperwork.


Lender Indiabulls Dhani
Loan amount Rs. 1,000 to Rs. 15 lakhs
Interest rate 11.99% p.a. onwards
Processing fee Up to 5%
Foreclosure charges* 5% after 6 months


*Note: No foreclosure charges are levied on personal loans up to Rs. 20,000.


Essential eligibility requirements for India bulls personal loan


Indiabulls Dhani has minimal eligibility requirements from a loan seeker. A few of the fundamental Indiabulls personal loan eligibility criteria are stated below:


  • The application should be at least 21 years old.
  • The applicant should be a salaried individual or a self-employed professional.
  • The applicant must be an Indian citizen.


Essential documents for India bulls personal loan


As we stated earlier, the lender demands only a few basic papers. Ensure to keep the following fundamental documents with you before applying for a personal loan from Indiabulls:


  • PAN card
  • Address proof
  • Income proof


Steps to apply for Indiabulls personal loan


The process of applying for instant personal loan form Indiabulls is quite simple. All you are required to do is follow the below steps:


  • Download the Indiabulls Dhani personal loan app from the Google Play Store or Apple Store.
  • Register with your mobile number.
  • After the successful registration, input your required loan amount.
  • Afterwards, input your basic details, i.e., personal details, address details, etc.
  • Post that, submit your application along with necessary documents.
  • Afterwards, the lender will review your application and as soon as your application gets approved, the loan amount will get disbursed into your bank account.


Reasons to avail India bulls personal loan


We are talking about this product, its eligibility, documents and application process but we contemplate that you would be having this definite question that why should you choose this particular lender to avail a personal loan in India. Well, here is the answer! Take a look at the number of reasons to avail personal loans from Indiabulls:


  • If you possess good credit score, you can get an appealing rate of interest on personal loans from India bulls. The personal loan interest rates at Indiabulls Dhani starts from 11.99% p.a.


  • The loan amount can be taken in use to meet multi-purposes, i.e., wedding, medical requirements, business, home revamping, business, travelling, etc.


  • You can enjoy an end-to-end application process succeeded by an instant disbursal directly to your bank account.


  • You will not need to visit anywhere to complete any of the formalities throughout the entire application process. The whole application process can be performed at your ease from your phone.


  • Regardless of your location across India, you can apply for an instant personal loan from this moneylending app.


  • The user interface of Dhani website and app is quite appealing and friendly which turns the loan application and disbursement process highly simple and instant, consequently, you can get the best e-loan experience ever.


What features and benefits does Indiabulls personal loan come with?


To understand the features and benefits of availing instant personal loans from the Indiabulls Dhani, take a look at the following pointers;


  • You can avail instant personal loans of up to Rs.15 lakhs.
  • To avail instant personal loans from India bulls Dhani, all you are required to do is to verify your identity by means of your aadhaar card and address proof.
  • If you pass the eligibility criteria, the loan gets approved and disbursed into your bank account within a matter of 3 minutes.
  • If you need funds of up to Rs. 20,000, you should possess the bank account in any of the following banks with the active net-banking facility:


  1. SBI
  2. Axis Bank
  3. YES Bank
  4. HDFC Bank
  5. ICICI Bank




To conclude, Indiabulls Dhani is a premier personal loan app in India which is quite popular for instant fund assistance. The app is popular particularly for its product called ‘Phone se Loan’ which means anybody who requires instant fund facilitation is not required to visit anywhere. The loan can be availed from any corner of India, what all a borrower needs is to download the India bulls personal loan app from the app store and apply as per the application process stated above.


Besides, the Dhani app not only enables you to avail an instant personal loan in emergency times but also allows you to handle and trace your loan account, pay your outstanding dues, and various other things by simply using the app.


Furthermore, prior to applying for the loan, you can use the personal loan EMI calculator 2021 also to determine an estimate of your monthly outgo in form of loan EMI across a particular tenure.


You can also compare the Indiabulls Dhani instant personal loan with other lenders’ offers, most probably, you will find it the best, although, we recommend you to ensure your satisfaction before you finalize for the loan.

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