Dhani App Review: Your Go-To Place For Instant Loan

author Akshita Content Writer

Dhani App Review 2022

As well all know our lives revolve around aur phones and these smartphones have truly transformed lives across the globe. There are a plethora of apps for finance, shopping, services, etc. This article will tell you about the Dhani app review. 

Indiabulls Dhani App is a solo solution for all financial needs making it easy for you to manage your finance. It comes with features like instant Dhani personal loans, digital wallet, Partner Program as well as interesting games like Spin the Wheel Stock Market Game.

Dhani review will take you through all the financial help that you need as well as offer you reasons to trust it. Now you can apply for a personal loan, book train/flight/bus tickets, pay bills & so much more with Indiabulls Dhani.

Also read: https://freekaamaal.com/dhani/dhani-app-kya-hai-in-hindi



What is Dhani App?

Indiabulls Dhani app is a one of its kind personal loan application. It provides loans ranging from Rs. 500 to Rs. 15 lakhs. The disbursal process is quick and easy at the same time, the amount is disbursed into your bank account within minutes. 

The process of taking a personal loan is super easy and hassle-free. The loan money can be used for buying a car, paying rent, medical emergency, shopping, etc. The money can be used the way you want. Also checks out BookMyShow Dhani OneFreedom card offers by clicking here


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How to Apply For Dhani Personal Loan?

To avail Dhani loan, one must go through the below-mentioned process:

  • Loan Amount- The amount for the loan you to avail

  • PAN Cards & Address Proof Details- For identity verification & address proof, Enter the PAN card number.

  • Approval & Loan Disbursal- You will receive your money within minutes in your bank account.

Dhani Indiabulls Review

Indiabulls Dhani app is undoubtedly among the top personal loan providers. Now let’s discuss why the Dhani app is the best and the benefits it provides to its customers.

1) Instant Loan: Dhani App Loan Review 

Instant Dhani Personal Loans makes the process of taking personal loans short and easy for you. Just fill the required details in the Dhani app and within no-time your loan will be processed, approved & disbursed in your bank account in around 3 minutes.

You can take a loan from Rs. 500 to Rs.15 lakhs using the Dhani app. The personal loan Dhani app interest rate starts at 13.99 % each month. The tenure ranges from 3 months to 36 months. And a minimal processing fee of 1.5% to 6% is charged as per industry standards. 

Details on the interest rate for personal loans & charges are as below;

Charge Type

Charge ( % / Rs.) 

Processing fee

3% onwards

Loan foreclosure/pre-payment charges

>6 months: 5%

Rate of Interest

13.99% onwards

Late Payment penalty

3% per month

Bounce charges

Rs. 400 per bounce

Duplicate NOC

Rs. 500 per request

Stamp duty charges for loan documentation

As per applicable laws

Repayment mandate/instrument swapping charges

Rs. 500 per request

Loan Rebooking charges

Rs. 1500

Loan Cancellation Charges

Rs. 3000

Duplicate Repayment Schedule

Rs. 500

Statement of account charges

Rs. 500

Bounce Charges (For Self Employed)

Rs. 750


2) Digital Loan Application Process

Now you do not need loads of documents to apply for a loan. Indiabulls Dhani makes the process easier by making the entire process online. Right from the loan application to your document verification as well as the loan disbursal is carried out online, making it hassle-free, easy and instant process.

Indiabulls Dhani makes this process extremely simple & hassle-free for it’s customers. This enables customers to apply for a loan from anywhere & at any time with the Indiabulls Dhani app.

3) Collateral Not Required

Indiabulls Dhani does not require any collateral from you and not any physical documents as well for Dhani personal loan. It's easy, quick  and hassle-free.

4) Use the Loan As Per Your Need

The Indiabulls Dhani personal loan can be used whenever you need financial help. It is like ‘pay as you use loan’. So you can purchase anything and the Dhani Credit Line will save you and your day. 

It also comes with options of  ‘shop now, pay later’ & ‘travel now, pay later. So now you can buy a bike, a car, plan a vacation, and fund your education or medical issue. Dhani app has got you covered from everywhere! 

5) Dhani App Rewards

With the Indiabulls Dhani app, you can earn rewards while availing of personal loans. You can reduce your EMIs by earning Dhani points. Dhani Points is an exclusive ‘reward point program’ for the Dhani Indiabulls customers. Each Dhani point is equivalent to Rs. 1. So, you can earn cashback from Rs. 250 to Rs. 500 each month.

Here are the 6 ways you can earn Dhani Points:

  • You get a welcome bonus while signing up

  • Refer a friend and earn 

  • Recharge your phone via the Dhani app

  • Get an additional loan or top-up loan from the Indiabulls Dhani app

  • You can purchase gift vouchers from Dhani wallet

  • You can make online bill payments from Dhani wallet

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  • Good brand Value
  • Fast withdrawal process
  • Multi-utility app
  • Instant doctor consultation


  • ID verification is a must
  • It can take time to get used to the UI

Dhani App Ratings

Dhani App Ratings

Reasons to use Dhai App

  • Instant Loan for All Your Needs
  • Online Wallet With Exciting Offers
  • Attractive Rewards Program
  • Shop Now, Pay Later
  • Instant Healthcare

Dhani Customer Care Information

You can contact the customer care/service between 8:00 AM to 8:00 PM,The customer care service is available 24*7 and you can also chat with them on Dhani App



Contact Information

Dhani Loans


Dhani Pay/ Dhani Credit Line



[email protected]

Indiabulls Dhani App Refer & Earn Offer

Dhani Refer & Earn offer for Dhani App users is a great way to earn with Dhani. Just refer friends & family to the Indiabulls Dhani App, and earn for each successful referral!

Even your friends & family earn when they register on the Dhani App for the first time using your link.

There are 2 Refer and Earn Programmes:

1) Refer via Referral Link

By simply sharing a referral link, both you and the person you have referred get Rs.100 each

  • Click on the referral banner and share your unique link with friends and family through SMS, WhatsApp

  • You can also share this link via different social media platforms


2) Refer via Re 1/- Money program

By simply sending Re.  1 from your Dhani wallet, both you and the person you have referred get Rs.100  each

  • Click on the Invite & Earn banner in the app and send Re 1 to your friend from your Dhani wallet

  • Your friend will receive a message with the link, and they can earn Rs.100/- after registering too

  • Every referee you choose, who registers on the Dhani app for the first time will earn and help you earn

  • More the people click on your earn, the more you will earn

You should have full KYC done !


Best personal Loan app - Dhani app is your go to place for instant load without any problems. It is easy, smooth and hassle-free. Dhani has emerged as  a winner in the finance category and it keeps going strong. Now, you do not have to worry about shopping, paying bills etc. because Indiablls Dhani has got you covered.



1.Is Dhani App good?

Dhani App disburses the loan instantly and hassle-free. It requires no collateral and the applications process online which makes it easier for the customer

2.Is Indiabulls a good company?

Indiabulls is a great, famous, renowned and a very safe organization. The customer care is good as well the customer service. The service of the company is quick and easy.

3.How can I get a loan from Dhani app?

You can avail Dhani personal loan by following step:


Enter your loan amount.

Enter your Pan Card and Address Proof Details.

Approval & Loan Disbursal


About Author



Content Writer

I have a passion for writing, a degree in business administration, and experience in banking - still counting the feathers of my wings. I wish to fly high enough to reach my destination.

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