Dhani Loan App Review 2025: Genuine or Fraud? Complete Guide to Apply for Loans

Q: Q: What is the interest rate for personal loan in Dhani Loan App?

A: Starts from 12.65% – 13.99% per annum , depending on credit profile.

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Dhani Loan App review 2025: Are you looking for pure indian and a trusted loan app? Then here is the new loan app we are reviewing. Read the Dhani Loan App review 2025 to know if it’s real or fake, how to apply for loans, eligibility criteria, required documents, complaints, interest rates, safety, and more. Read the full article to know the complete review about the Dhani Loan App review. This will assure you whether you can take a loan from this loan app or not.

Before moving to more information about the Dhani Loan App review 2025, we would like to warn about the fraudulent loan apps working towards scamming the customers, especially the people who are in need of money in the present days. We request please read and understand carefully about the loan applications and their existence before applying for a loan. We only provide information regarding loan apps and their features and also about the trustability of those loan apps through our reviews. We are not responsible for your loss and gain at all.

Table of Contents

What is the Dhani Loan App?

Dhani Loan App review: The Dhani App, owned by Dhani Services Limited (earlier Indiabulls Ventures), is a digital finance platform that combines personal loans, UPI payments, investments, and healthcare in one application. Established in 1995 by Sameer Gehlaut, the company has built a strong reputation with over 50 million users across India.

Loan Facilities on Dhani

Loan Amounts: ₹50,000 to ₹15,00,000
Interest Rate: Starts at 12.65% per annum
Tenure Options: 12 to 84 months
Disbursement: Quick processing with near-instant approval

Key Features of the Dhani App

Super-App Convenience: Loans, UPI, payments, rewards, and shopping all inside one app.
RBI-Registered Lending Partners: Dhani Loans & Services Ltd. and other NBFCs ensure regulatory compliance.
Transparent EMI Display: All charges shown upfront before loan confirmation.
Dhani Coins & Cashback: Rewards for using the app’s services.
Publicly Listed Fintech: Ensures accountability and customer trust.

How to Apply for a Loan in Dhani App

Download the Dhani App from Google Play or App Store.
Register & Complete KYC using PAN, Aadhaar, or other ID proofs.
Check Offers – Pre-approved loan offers may already be available.
Choose Loan Amount & Tenure, then review EMI and interest details.
Confirm & Receive Money directly into your bank account.

Eligibility to Apply for Dhani Loan

Must be an Indian resident.
Valid KYC documents required.
Salaried or self-employed individuals are both eligible.
A credit score of 600+ increases chances of quick approval.

Documents Required

PAN Card
Address Proof (utility bill, voter ID, etc.)
Bank Account details and statements

Is Dhani Loan App Real or Fake?

Yes, Dhani is 100% genuine. It operates under Dhani Loans & Services Limited, a registered NBFC under RBI guidelines, and is a part of Dhani Services Limited, a publicly listed company.

Common Complaints About Dhani Loan

Processing Fee: Usually ~3% of loan amount.
Foreclosure Charges: Around 5% if closed within 6 months.
Late Payment Penalty: 3% per month on missed EMIs.
Customer Service Issues: Some users report delays in response.

Dhani Loan Foreclosure

Allowed Anytime – but fees apply if done within 6 months.
Some small-ticket loans under ₹20,000 may not carry foreclosure charges.

Is It Safe to Borrow from Dhani?

Yes. Dhani follows RBI regulations and uses secure digital transactions. While users should be cautious about timely repayment and processing fees, the app itself is safe and legal. Dhani Loan App Review will make you clear whether you can take a loan from this loan app or not. Because money is important for everyone. But we need to check the genuinity of the loan app before borrowing the loan. Dhani Loan App review.

Dhani Loan App Review 2025: Pros and Cons

Pros

Fast loan disbursal
Wide loan range (₹50k – ₹15 lakh)
All-in-one app with multiple features
Secure and RBI-regulated

Cons

Extra charges (processing + foreclosure)
Interest rates higher than some bank loans
Technical Issue
Poor customer support

Important Links

Download Dhani Loan App from Google Play Store: Click here

Download Dhani Loan App from App Store: Click here

Dhani Loan App Official Website: Click Here

Apploan Home Page: Click Here

Final Review –Dhani Loan App review

The Dhani Loan App is legitimate and reliable, best suited for borrowers who need quick, digital loans without much paperwork. As per real customer feedback, dhani loan app is trustable but most of the customers are facing technical issues. Job holders can apply for the loan on this app. Dhani Loan App review.

In this Dhani Loan App Review article, we would like to warn about the fraudulent loan apps working towards scamming the customers, especially the people who are in need of money in the present days. We request please read and understand carefully about the loan applications and their existence before applying for a loan. We only provide information regarding loan apps and their features and also about the trustability of those loan apps through our reviews. We are not responsible for your loss and gain at all.

FAQs

Q: Who can apply for Dhani Loan?

A: Any Indian citizen with valid KYC and a bank account.

Q: How do I close my Dhani Loan?

A: Use the app to prepay. Foreclosure charges apply if within 6 months

Q: What is the interest rate for personal loan in Dhani Loan App?

A: Starts from 12.65% – 13.99% per annum, depending on credit profile.

Q: What is Dhani loan app’s customer care number?

A: Support available via in-app chat, call, and email.

Q: What is the Minimum age to apply for personal loan in Dhani Loan App?

A: Must be at least 21 years old.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. We do not promote or endorse any specific loan app. Always verify that a loan app is partnered with an RBI-registered NBFC or bank before applying. Be cautious of fraudulent applications that may misuse your personal data, charge hidden fees, or engage in unethical debt collection practices. Before borrowing, read the loan agreement carefully, compare interest rates, and ensure you can repay the loan within the agreed tenure. Avoid downloading loan apps from unofficial sources or unknown websites. In case of any suspicious activity or harassment by a loan app, report it immediately to the Reserve Bank of India or the National Cyber Crime Reporting Portal (https://cybercrime.gov.in/). Borrow responsibly — only take a loan if it is truly necessary and you are confident in your ability to repay on time.