Personal Loans – Dhanjyoti Finance ke Saath
Get Personal Loan up to ₹20 Lakh
Dhanjyoti Finance offers personal loans from ₹50,000 to ₹20,00,000 with annual interest rates between 8.5% and 15% p.a., based on credit eligibility. Loans are subject to full KYC and income verification. The loan process is digital and secure. Flexible EMI options available. Terms and conditions apply.*
Know Before You Apply
- ✅ Loan amount depends on your credit profile & income documents.
- ✅ Full KYC and income verification is mandatory.
- ✅ All loans subject to internal risk and eligibility checks.
- ✅ Transparent charges & no hidden fees.
- ✅ Loan approval is not guaranteed — it is based on creditworthiness.
- ✅ We strictly follow RBI regulations & fair lending practices.
- ✅ Data privacy ensured under RBI & data protection rules.
Note: Eligibility is indicative and does not guarantee approval. Final decision rests with Dhanjyoti Finance as per internal policies.
What We Do
How Dhanjyoti Makes Borrowing Safe & Simple
Step 1: Application Received
Step 2: Document Verification
Step 3: Decision Under Review
Personal Loan for Salaried Employees
Personal Loan for Self-Employed Individuals
About Dhanjyoti Finance
Personal Loans Made Easy and Trustworthy
550k+
Happy Customers
160K+
Loan Success
Our Services
Every Step, Every Need — Dhanjyoti is With You
Medical Emergency Loan
Unexpected medical expenses? Dhanjyoti Finance offers personal loans from ₹1 Lakh to ₹10 Lakhs to help you manage treatment costs with ease and dignity. Apply online with minimal hassle.
Home Renovation Loan
Upgrade your living space with a personal loan from Dhanjyoti Finance. Borrow between ₹1.5 Lakhs to ₹15 Lakhs for repairs, interiors, or improvements — all through a secure digital process.
Education Support Loan
From coaching classes to higher education needs, Dhanjyoti Finance provides personal loans ranging from ₹50,000 to ₹5 Lakhs. Invest in learning, with confidence and clarity.
Travel & Holiday Loan
Plan your next getaway stress-free. Dhanjyoti Finance offers travel loans from ₹50,000 to ₹3 Lakhs to help you cover flights, hotels, and more — all with flexible repayment options.
Wedding Expense Loan
Celebrate life’s biggest moments without financial worry. With Dhanjyoti Finance, borrow ₹1 Lakh to ₹10 Lakhs for wedding expenses — all with complete transparency and no hidden fees.
Debt Consolidation Loan
Multiple EMIs wearing you down? Dhanjyoti Finance offers consolidation loans from ₹1 Lakh to ₹7 Lakhs — manage all your obligations with a single, simplified repayment plan.
Easy Loans. Trusted Process. Real Support.
Digital & Easy
We offers a fully digital loan experience with a user-friendly interface. Apply online from anywhere, anytime — no branch visits needed.
Reliable Support
From application to disbursal, our dedicated team is here to guide you through every step. Have a question? We’re just a message away.
Secure & Transparent
We follow RBI-compliant practices to keep your personal and financial information safe. All terms, rates, and fees are clearly explained.
Your Trusted Partner in Financial Assistance
Minimum Loan Amount: Rs 50,000
Maximum Loan Amount: Up To Rs 2,00,000
Minimum Annual Interest Rate: 8.5% Per Annum
Maximum Annual Interest Rate: 16% Per Annum
Minimum Repayment Tenure: Up to 12 Months
Maximum Repayment Tenure: Up to 120 Months (10 Years)
Processing Fees: 2% Of The Loan Amount
EMI Bounce Charge: Rs 590/- Bounce Charge
No Pre-Closure Charges
Why Choose Dhanjyoti Finance?
Flexible terms and reliable service
Eligibility & Required Criteria
Dhanjyoti Finance offers personal loans to eligible individuals based on simple and transparent criteria. Review the requirements based on your profile before applying.
Salaried Individuals
Age: Between 21 and 60 years
Monthly Income: Minimum ₹20,000 (net in-hand)
Employment Type: Must be working with a registered private or public organization
Work Experience: At least 1 year of continuous employment
Self-Employed Professionals
Age: 25 years and above
Annual Income: ₹2.5 Lakhs and above
Profession: Doctor, CA, Architect, Consultant, etc.
Business Stability: Minimum 2 years of stable income and valid ITR
Business Owners
Age: 25 years and above
Turnover: Minimum ₹5 Lakhs annually
Business Type: Sole Proprietorship, Partnership, or Pvt Ltd
Operational History: At least 3 years in current business
List of Required Documents
Please keep the following documents ready to ensure a smooth and quick application process with Dhanjyoti Finance.
| Category | Documents Required |
|---|---|
| Common for All Applicants |
|
| Salaried Professionals |
|
| Self-Employed & Business Owners |
|
Representative Loan Example
| Loan Amount | APR | Tenure | Processing Fee + GST | Amount Disbursed | EMI | Total Repayment | Total Interest |
|---|---|---|---|---|---|---|---|
| ₹1,00,000 | 8.5% p.a. | 24 Months | ₹2,360 (2% + 18% GST) | ₹97,640 | ₹4,543 | ₹1,08,242 | ₹8,242 |
Loan Amount: ₹1,00,000
APR: 8.5% per annum (including interest + standard charges)
Processing Fee: ₹2,000 (2% of loan amount)
GST: ₹360 (18% GST on processing fee)
Total Charges: ₹2,360 (Fee + GST)
Disbursed Amount: ₹97,640 (Loan amount minus charges)
EMI: ₹4,543 (Monthly EMI for 24 months)
Total Repayment: ₹1,08,242
Total Interest: ₹8,242 (Excluding charges)
*Example based on 8.5% p.a. interest. Your actual offer may vary based on eligibility. T&C apply.
Dhanjyoti Finance is a registered NBFC with the Reserve Bank of India (RBI).
CIN: U67120MH1994PLC076468 | Registered Name: Beautiful Securities Ltd.
Charges & Fees – Dhanjyoti Finance Personal Loan
- Loan Amount: ₹50,000 to ₹20,00,000
- Interest Rate: Starts from 8.5% p.a. and goes up to 16% p.a. (based on applicant's credit profile)
- Processing Fee: 2% of the approved loan amount (plus applicable GST)
- Loan Tenure: Minimum 12 months, Maximum 120 months (10 years)
- EMI Bounce Charges: ₹590 per instance (plus taxes)
- Late Payment Charges: 2% per month on the overdue EMI amount
- Pre-Closure Charges: Nil (No charges on early repayment after lock-in period)
- Stamp Duty / Agreement Charges: As per state laws (deducted upfront)
- Disbursal Mode: Direct credit to customer’s verified bank account
Representative Example:
For a loan of ₹1,00,000 at 10% p.a. for 24 months:
Processing Fee = ₹2,000 + GST (18%) = ₹2,360
Disbursed Amount = ₹97,640
EMI ≈ ₹4,614/month
Total Interest = ₹10,736
Total Repayment = ₹1,10,736
*All charges are subject to change as per company policy and regulatory guidelines. Final terms will be shared during loan agreement signing. Please read all terms & conditions carefully before proceeding.
EMI Calculator
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Live Updates on Your Loan Application
Track Your Loan Application Status
Track your application progress effortlessly with our secure Loan Application Tracker. From submission to final decision, get real-time updates through your account dashboard — anytime, with complete transparency
Visit the Login Page
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Go to Dashboard to Check Status
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