Dhani App

We spend a lot of time on our cell phones these days, and it’s clear that they’ve had a profound impact on the lives of people all over the world. We buy clothes, read books, search the internet for information, order food, book a cab, and much more via the internet.

As a result, Indiabulls Consumer Finance, one of the country’s largest personal finance organizations, has devised a solution that allows you to control all aspects of your financial life right from your smartphone! The new Indiabulls Dhani financial app lets you do anything from applying for a personal loan to paying utility bills to booking train or bus tickets.

With the Indiabulls Dhani App, you can handle all of your financial demands from the palm of your hand. In addition to features like fast personal loans, credit lines, digital wallets, Dhani points, and a Partner Program, the Indiabulls Dhani will partner you through all of your financial needs while also offering you reasons to keep coming back! In this section, we’ll delve a little more into the advantages of the Dhani app.

Instant Loan for All Your Needs

Dhani App

There is always a personal loan available to assist you in achieving your life’s objectives, whether it’s to finance an automobile or motorcycle purchase, a wedding, a short-term trip, or a medical emergency.

A personal loan can help you with any financial situation, from home improvement to debt consolidation. People, however, are reluctant to apply for a personal loan because of the lengthy application process and cumbersome formalities.

All of that is about to change thanks to Dhani! It’s as simple as downloading the app, signing up, selecting the amount of money you need, and submitting your personal and bank information. A personal loan can be applied for and received in your bank account in only a few minutes.

Indiabulls Dhani promptly disburses the loan amount you have requested. Throughout the entire procedure, there is no risk of fraud at any point. Instant access to cash via their personal loan app is made possible by the 24-hour availability of the service, which can be accessed from any location in the country.

There are no collateral or security requirements for Dhani loans, so you don’t have to put up any of your own money as collateral. For personal loans, the Dhani app offers a variety of options from travel and medical expenses to school and two-wheeler purchases. You can also use the app to consolidate debt.

Using the app, you may get up to INR 15 lakhs in a personal loan in just three minutes. At just 1.17 percent per month, Indiabulls Dhani’s personal loan interest rates are among the most affordable available.

In accordance with industry standards, processing costs range from 1.5 percent to 6 percent for variable tenures ranging from three months to 36 months. No foreclosure or prepayment fees apply to loans under INR 20,000. The only loans in the country that pay back are Dhani loans, of course. As a result of the ‘Refer and Earn’ function, you can earn 250 Dhani points on every personal loan that is referred by a friend or family member.

Shop Now, Pay Later

Dhani App

If you’ve got huge dreams, personal loans are a terrific way to get them off your list. Some of us can’t afford the full price of a product since it’s an everyday necessity, yet we still want to buy it. If you have a Dhani Credit Line on your phone, you may use the app to buy products on credit, pay in installments, and still have the choice to only pay for what has been used, rather than paying for the entire amount of money you borrowed.

As a ‘pay as you go’ loan, think of it This means that whether you need a new coffee maker or an air conditioner for your room, Dhani Credit Line is here to help. You may shop now and pay later, and travel now and pay later, using this card. It’s also great for month-end cash difficulties.

Dhani Credit Line breaks down each purchase into manageable EMIs that may be paid back over time with no interest. But that’s not the case. Dhani Credit Line is a no-cost, always-on service that can be set up in a matter of seconds. It costs nothing to use this credit line; all you need is a digital or physical Rupay Card.

When it comes to fees and usage, this card outperforms credit cards hands down, plus you have the option to establish spending limitations on your card. It’s like a prepaid credit card that gives you additional rewards when you buy something online or offline. You may earn cashbacks on every purchase with Dhani Credit Line, which is a simple, no-hassle solution.

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Online Wallet With Exciting Offers

Remember how we described the Indiabulls Dhani app as a one-stop shop for all your financial needs? You can now make rapid online payments and gain additional rewards on top of current discounts with the new Dhani app, which is now available for iOS and Android.

You may now recharge your mobile phone, make bill-related payments (such as gas and electricity bills), book bus, train, and aircraft tickets, as well as purchase gift cards for BookMyShow, Big Bazaar, and Shoppers Stop through its online wallet feature. You can also send money directly from your phone’s wallet.

Get Rewarded On Using The Dhani App

Dhani App

Indiabulls Dhani isn’t just a bank that lends you money or gives you a credit card. It encourages you to continue using the software. Dhani Points, a first-of-its-kind incentive program for Dhani customers, is available only to those who sign up for the service.

You earn Dhani points, which can be exchanged for INR 1, for every INR 1 you spend on the app when using this rewards program. First-of-its-kind in the country, the Dhani Points rewards program comes with extra perks on top of regular savings.

Dhani Points begin accruing the instant you are approved for a loan, starting with a welcome gift. You get INR 250 for every loan you refer to a friend or family member. As a result, your monthly loan payment may be reduced.

In addition, you can get 20 points on cellphone recharges and bill payments, 40 points on travel bookings, and a gift certificate in addition to INR 75 in cashback on top-up loans for points. Dhani points can be redeemed for cash, which can be used to make purchases, buy gifts, or pay bills. You can even deposit the money you’ve earned into a bank account.

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Pay Your EMIs on Time and Get Higher Loan Eligibility

If you want to avoid a mountain of bills, penalties, and a bad credit score, it’s always a good idea to pay your EMI on time. Additionally, making on-time EMI payments on your Dhani loans earns you additional rewards.

When you pay your EMI on time, you receive a bigger top-up loan disbursement, increasing your loan eligibility for the next loan. Having always made on-time EMI payments will give you a leg up if you ever find yourself in the position of needing another loan.

Dhani App’s personal loan EMI calculator helps you better manage your finances by offering an estimate of your EMIs, so you know how much you can expect to pay in monthly installments.

You’ll be more likely to pay your EMIs on time if you know how much you owe. Additionally, if you pay your EMI on time, you’ll get a bonus point. When you pay your EMI on time, you’ll earn twice as many Dhani points in your app. If you pay your EMI on time, your Dhani points will increase by 400.

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