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Am I eligible for a personal loan with Indiabulls Dhani?
All resident Indians who are salaried and self employed individuals are eligible for a personal loan with Indiabulls Dhani.
On what criteria will the loan be sanctioned to me?
All loans are sanctioned basis the internal policies of IVL Finance Ltd.
When will I get the Personal Loan?
All applications originating from the Mobile App or Web Application are instantly approved and disbursed under 3 minutes, provided the applicant meets the eligibility and sanctioning criteria.
Before beginning to apply with Indiabulls Dhani, please keep your Aadhaar card, PAN card and salary account netbanking credentials ready, so as to obtain an instant loan facility.
In case we require additional details, our customer care executives will get in touch with you within 1 working day to process your loan application.
What are the securities/collaterals/guarantors I need to provide?
As per IVL Finance Ltd.’s policy, no security, collateral or guarantors are required for obtaining a Personal Loan from Indiabulls.
What is the maximum loan amount I can avail?
The maximum loan amount a salaried resident Indian can avail is of INR 15 lakh.
Where can I apply for a personal loan with Indiabulls Dhani?
You can apply for a personal loan with Indiabulls Dhani via the mobile or web application and can avail an instant disbursement within 3 minutes, based on your eligibility.
You may also contact us through our Customer Care center 1860 419 3333 or write to us at firstname.lastname@example.org to apply for a Personal Loan.
What do I need to apply for a personal loan with Indiabulls Dhani?
For instant disbursement of your Personal Loan, please keep the following information/documents handy:
- – Aadhaar Card number
- – PAN
- – Salary account netbanking credentials
If you don’t have any of the above mentioned documents and would like to apply for a personal loan with Indiabulls Dhani, please get in touch with our Customer Care center 1860 419 3333 or write to us at email@example.com
How can I check the status of my loan application?
If you have applied for a personal loan with Indiabulls Dhani via the mobile or web application, you can view the progress of your loan application in the loan progress bar on your screen. In case you have applied via the offline process, you can check your loan status by contacting us through our Customer Care center 1860 419 3333 or write to us at firstname.lastname@example.org
How secure is the information provided by me?
The security and confidentiality of your personal and financial information is of utmost importance to IVL Finance Ltd.
IVL Finance Ltd. uses Secure Socket Layers (SSL) data encryption to transmit data between you and our systems over the internet to protect it from unauthorized individuals. This encryption is done using 128-bit RC4 encryption. In addition, your credit/debit card information is processed over secure gateways that are certified for PCI-DSS security standards.
Our applications are built by following leading secure coding principles to protect your data from unauthorized access and tampering.
Our IT systems employ leading security practices and controls to protect data from hackers and fraudsters. To protect data stored on our systems and to prevent unauthorised access, we employ firewalls wherever appropriate. Additionally, our systems are monitored on a continuous basis using the latest cyber security technologies to detect and prevent cyber-attacks
What are my loan tenure options?
You can select a loan tenure from one of the following options:
- – 12 months
- – 24 months
- – 36 months
- – 48 months
What is an EMI?
An EMI stands for Equated Monthly Instalment. EMI provides you the ease and benefit of paying back the Personal Loan amount in smaller convenient options. This installment consists of both the principal and interest components. You repay the loan in Equated Monthly Installments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take full disbursement.
What is Pre-EMI?
In case of partially disbursed loans, Pre-EMI is the Interest paid on the Loan Amount availed in part and before the start of the actual EMI. In case of fully disbursed loans, Pre-EMI is the Interest deduced for the broken period from the fully disbursed loan amount at the time of disbursement
What is broken period?
In the event that the first due date for payment of EMI is after a period of 30 days from the date of disbursement of the Loan amount, the additional number of days beyond the 30 day period is known as the broken period. An upfront interest is deducted for this broken period from the loan amount at the time of disbursement.
What are the types of rate of interests offered?
A fixed rate of interest is the only type of rate of interest that will be offered for all Indiabulls Dhani applications.
How is the interest charged/ calculated?
Interest is calculated at monthly rests using a reducing balance method. We consider a 30 days month and 360 days year for interest calculations
When is my next EMI due? How can I view my EMI Status?
You may login to our Application -> Existing User Login-> Home Page-> Click on the desired Loan Account Card to view next EMI due date and EMI status
How do I change my EMI due date?
As per IVL Finance Ltd.’s policy, the EMI date cannot be changed post disbursement of the loan amount.
What are the modes of paying the EMI?
We offer you a range of payment modes to pay your Personal Loan EMI:
What would be my installment cycle date?
Your installment cycle date will be the due date selected by you during your loan sanction process.
We currently offer 2 due dates – 2nd & 5th of every month.
Can I make part pre-payment before the 1st EMI?
As per the IVL Finance Ltd.’s policy, part pre-payment is not allowed before the 1st EMI.
Can I have a co-applicant for my personal loan?
As per the IVL Finance Ltd.’s policy, there is no provision for a co-applicant for your Personal Loan.
What are the stages involved while applying for a personal loan with Indiabulls Dhani?
- 1. Application Submission – You need to submit a completely filled application form.
- 2. Soft Approval – Based on your loan requirements and eligibility, you will receive a conditional loan approval for a defined range of loan amount and tenure.
- 3. Hard Approval – Based on the IVL Finance Ltd.’s credit policies, you will get a loan approval for a specific loan amount and tenure.
- 4. Disbursement – The approved loan amount after reduction of charges and processing fees will be credited to your account.
What is a Monthly Reducing Balance?
An Equated Monthly Installment (EMI) has 2 components: interest and principal. When the interest is calculated at monthly rests using reducing balance method, the principal on which the interest is charged goes down every month. This results in significant savings for the customer over the tenure of the loan.
What is an amortization schedule?
An amortization schedule is a table giving the reduction of your loan amount by monthly installments. The amortization schedule gives the break-up of every EMI towards repayment of interest and outstanding principal of your loan.
Can I foreclose or prepay my loan?
As per the IVL Finance Ltd.’s policy, you will be allowed to foreclose your loan. Applicable foreclosure/prepayment charges will accordingly be debited from your account, as per the charges matrix as applicable to your Personal Loan.
Why does my digital signature appear as ‘Signature Not Verified’ in Adobe Acrobat Reader after e-Signing a document?
This may happen if the trusted root certificate list in your Adobe Acrobat Reader is not up to date. For this, please install the latest version of Adobe Acrobat Reader by downloading it from
https://get.adobe.com/uk/reader. Now open Adobe Acrobat Reader. Open Preferences dialog box by clicking ‘Preferences’ menu item in ‘Edit’ menu. Select ‘Trust Manager’ from ‘Categories’ list displayed on the left hand side. You will see ‘Automatic Adobe Approved Trusted Certificates Updates’ section on the right hand side in the Preferences box. Check ‘Load trusted root certificates from an Adobe server’ check box and click ‘Update Now’ button. This will update your trusted root certificate list. Now, restart Adobe Acrobat Reader and open your digitally signed document. Your digital signature should now appear as valid.
How can I get my statements for re-payment schedule / interest certificates / statement of accounts / no objection certificate?
To access your statements, log in to the Indiabulls Dhani Mobile Application or Web Application -> Existing User Login-> Home Page-> Click Services icon -> Click on Request Statement -> Select Statement Type to request for a specific statement.
The statement will be mailed to your registered e-mail ID.
How will I get to know my complete loan details?
To know your complete loan details, log in to the Indiabulls Dhani Mobile or Web Application -> Existing User Login-> Home Page-> Click on the desired Loan Account Card to view all your details.
How do I change my personal details such as my address/mobile number/ bank account number? Do I need to send any proof?
You may update your correspondence address by sending us an email. Email your new address from your registered email ID along with a copy of a valid address proof Passport, Valid Driving License, Aadhar Card, Utility Bill not older than 3 months and your Loan Account Number.
Bank account number :
To safeguard your interest, there is no provision to update a bank account number.
You may also contact us through our customer care center 1860 419 3333 or write to us at email@example.com and quote your Loan Account Number to receive assistance.
How can I make my overdue payment?
You may login to the Indiabulls Dhani Application -> Existing User Login-> Home Page-> Click Services icon -> Click on Payments -> Enter Loan Account Number-> Make Payment
You may also contact us through our Customer care center1860 419 3333 or write to us at firstname.lastname@example.org and quote your Loan Account Number to receive assistance.
How can I apply for the loan if I don’t have an Aadhaar card?
An Aadhaar card is a mandatory document to apply via the Indiabulls Dhani application. If you don’t have an Aadhaar card, we request you to fill in the lead capture form on the mobile application.
You may also contact us through our Customer care center 1860 419 3333 or write to us at email@example.com to apply for an Indiabulls Personal loan
I am a self-employed customer. Can I still avail a personal loan with Indiabulls Dhani?
Currently, IVL Finance Ltd. does not offer personal loan products to self-employed customers.
Can I receive the disbursement amount to a different bank account from my salary account?
We will only disburse your loan amount to your verified salary account. To safeguard your interests, we do not disburse loans to unverified accounts.
I don’t want to provide a selfie. What do I do?
As per the IVL Finance Ltd.’s policy, a photograph is a mandatory requirement for processing of your e-KYC.
My netbanking access has been temporary disabled (Perfios failure). What do I do?
To safeguard your interests, we require you to verify your account through netbanking. In case you are unable to log in to your netbanking account, please contact your bank and resume your application once you regain access.
If you are unable to provide netbanking details, we will be unable to provide you with an instant disbursement. You can opt out of the Indiabulls Dhani application by selecting the ‘I do not have access to my netbanking’ option after which our Customer care executives will get in touch with you within 1 working day to process your application.
I haven’t received the deliverables (loan agreement, sanction letter, welcome letter). What do I do?
Ideally, you should have received your documents on your registered email address at the time of loan disbursement.
However, in the case that you haven’t received them, you may also contact us through our Customer care center 1860 419 3333 or write to us at firstname.lastname@example.org and quote your loan account number to receive assistance
How can I contact Indiabulls Dhani?
You may also contact us through our Customer care center 1860 419 3333 or write to us at email@example.com
How do I update my CIBIL?
Post closure of your loan, your CIBIL Report will be updated by us by the end of the month following closure.
In case of any discrepancy, you may also contact us through our Customer care center 1860 419 3333 or write to us at firstname.lastname@example.org and quote your loan account number to receive assistance
If I apply for a loan through physical application, how long will it take to process my application?
We would take upto 7 days to process your application, subject to submission of documents and verification’s as per IVLF norms.