Personal Loan Interest Rates and Charges

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Dhani offers attractive personal loan interest rates starting at 13.99% for personal loans up to Rs.3 lakh that can help you meet a range of financial requirements. In order to help you better gauge on planning your personal loan, we also have a Personal Loan EMI Calculator, where you can plan your loan repayment, basis of EMIs, as per our interest rates. On Verifying the personal loan documents required, get collateral-free loans at flexible tenure and instant loan disbursal. With Dhani Personal Loan, you do not have to worry about any hidden fees or charges. Here are more details on the interest rate for personal loans and charges:


Type of Charge Charge % / INR
Processing fee 3% onwards
Loan foreclosure/pre-payment charges >6 months: 5%
Rate of Interest 13.99% onwards
Bounce charges Rs. 400 per bounce
Late Payment penalty 3% per month
Stamp duty charges for loan documentation As per applicable laws
Duplicate NOC Rs. 500 per request
Repayment mandate/instrument swapping charges Rs. 500 per request
Loan Cancellation Charges Rs. 3000
Loan Re booking charges Rs. 1500
Statement of account charges Rs. 500
Duplicate Repayment Schedule Rs. 500
Bounce Charges (For Self Employed) Rs. 750

*All charges are excluding GST and applicable taxes.

Calculate Personal Loan EMI Apply for A Personal Loan


1. What are the types of rate of interests offered?

Fixed rate of interest is the only type of rate of interest that will be offered for all Dhani applications.

2. How is the interest charged/ calculated?

Interest is calculated at monthly rates using a reducing balance method. We consider a 30 day month and 360 day year for interest calculations.