Welcome here to this page of my website to learn about “how to take a loan from the Dhani app”. In this context, I am going to describe the steps, which one needs to follow to take a loan from the Dhani app. But prior to this, I am going to discuss what is Dhani app is all about and what is Dhani loan is in brief.
So the Dhani app is a one-stop mobile application made by Indiabulls on 25th October 2017, that offers a bundle of healthcare and financial products and services. And the loan is also a service among them. You can even manage the loan amount in your bank through this app. One can take a loan amount from Rs.1000 to Rs.1500000. Dhani Loans have tenure beginning from three months to thirty-six months. Although here there are some eligibility criteria for a person to apply for a loan on the Dhani app. So before applying for a loan, one must lie under these essential eligible criteria.
Eligibility criteria to apply for a loan is as follows:
- The applicants must be 21 years old or more than 21 years old.
- The applicant must be Indian citizen.
- The applicant must be self-employed or an employee in a company.
- Aadhaar and mobile number of the applicant must be linked with the bank account and PAN card
- The applicant should have maintain a good credit score.
- The applicant should be from a specific Geographical area according to the policy of the app. To know more about it, please visit Dhani app and indiabulls.
Now again you will ask about how to take a loan from the Dhani app. So let’s get started. And go through all six steps described below to take a loan from the Dhani.
Step-1 (Download the Dhani app on your smartphone)
Steps-2 (Sign up to Dhani app by verifying your mobile number and id card through OTP)
Once you download and open the app. You will be required to sign-up at the Dhani app. And to do so enter your mobile number in the required section. As you enter your mobile number, an OTP will be sent to enter your mobile number. Enter the OTP at the required section. After entering the OTP, you would be signed up with the Dhani app. Now
Note: Please provide the number, which is linked to your bank account.
Step-3 (Select the loan type)
After registering, as you enter the loan section in the app, you will find various types of loans on the Dhani app like personal loans, Business loans, Car loans, Wedding loans, Educational loans, Etc. You can choose any of them according to your requirements.
Note: Indiabulls Dhani Credit Line offering lets you set up your credit limit using the Dhani App in a couple of minutes and you get a stylish & secure digital card instantly. You can use this card like your debit/credit card anywhere online for making any payments and repay later in easy flexible EMI’s. So instead of selecting a loan type, you may be asked to select digital card-related options. So select it, further steps are almost the same.
Step-4 (Enter your personal details to describe the purpose of your loan)
As you choose loan type, you will be asked to enter some of your personal details, using which the loan providers try to know your loan requirement. Under this section, you will have to enter for example your employment status, your business types, your address, the purpose of the loan, etc. After entering all the information, click on next.
Note: Self-employed people should have an Aadhaar card, PAN card, and Bank credentials with them. While applicants employed in a company should have salary-slip as additional documents.
Step 5-(Enter your personal details)
After selecting your business details, you will have to put your personal details like name, gender, address, guardian details, etc., according to your I’d card (Aadhaar card Or PAN card). After entering all the required personal details, click on accept and continue.
As per your provided information, the Dhani app team verifies your identity and tells whether you are eligible for selected loans or not. It depends on the credit score record, the address of the applicant, and other eligibility criteria. The individual with a good credit score (750 or more)in a specific area gets financial assistance within minutes. It is important to note, that depending on the credit score, different people get different amounts of loans on the Dhani app. Also, some people may not get even any loan due to some policy as well as T&C of the app.
Step 6-(Enter bank credentials to avail your loan)
If you, fortunately, become eligible for the loan, then you will have to enter your bank credentials (Bank name, Account number, IFSC code, etc.) to avail of your loan. After entering Bank credentials, the loan amount will be directly credited to your bank account. So keep bank credentials with you while applying for a loan in the Dhani app.
The above discussed six steps describing all about the process, which you needs to follow to take a loan from the Dhani app easily. So read the article carefully. Henceforth how to take a loan from the Dhani app will not be a problem for you at all.
Some other precautions to take, while taking a loan from the Dhani app
While taking any loan from the Dhani app, if you take some general precautions mentioned below along with the above-discussed six steps, then it will be an added advantage.
As extra precautions, you can:
- Know about the Dhani app interface.
- Keep your Dhani app updated.
- Study and research about the loan policy.
- Learn about various terms associated with the loan, which you want to take.
- Enter your details carefully.
- Don’t entering any section of the Dhani app, which you are not aware of (if entering, then be extra careful).
You can follow these precautions to move through steps smoothly. Now you have read all the steps along with a few tips and tricks, which you should follow to take hassle-free loans from the Dhani app.
I thank you for visiting here and reading the entire article on How to take a loan from the Dhani app. These articles completely describe the way to take a hassle-free loan from the Dhani app. Hope you have got good information on it. You can do other things on the Dhani as well. For other similar information and support, keep visiting my website. Also, write your queries related to this area to us. We will make it resolve for you.