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Indiabulls Dhani

 Indiabulls Dhani Get a personal loan instantly with Indiabulls Dhani, a quick, easy and convenient mobile application which disburses loan amount in your bank account directly, starting at 12% p.a.

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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 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 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

  • – Aadhaar Card number
  • – PAN
  • – Salary account netbanking credentials

If you care_dhani@indiabulls.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_dhani@indiabulls.com

How secure is the information provided by me?

The security to IVL Finance Ltd.

IVL Finance Ltd. uses Secure Socket Layers (SSL) data encryption Standards.

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 stand 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 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:
ECS/NEFT/RTGS/ONLINE

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 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 to your account.

What is a Monthly Reducing Balance?

An Equated Monthly Installment (EMI) has 2 components: interest tomer 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 Standing principal of your loan.

Can I foreclose or prepay my loan?

As per the IVL Finance Ltd.’s policy, you will be allowed 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 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 your registered e-mail ID.

How will I get to know my complete loan details?

To know your complete loan details, log in to view all your details.

How to send any proof?

Correspondence address:and your Loan Account Number.

Bank account number :to update a bank account number.

You may also contact us through our custo receive assistance.

How can I make my overdue payment?

You may login 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 service_dhani@indiabulls.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?

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?

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 service_dhani@indiabulls.com 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 service_dhani@indiabulls.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 service_dhani@indiabulls.com 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.