Simple And Easy Approval For Loan
Lowest Interest Rates - Calculate EMI - Check Eligibility - Instant e-Approval - Special Offers
Need funds for your personal needs? offers personal loans ranging from ₹50,000 to ₹10,00,000* with competitive interest rates starting at 8% per annum*. Choose repayment tenures from 12 to 120 months with flexible EMI options.
Apply now and move forward with confidence. *T&C Apply.
Check Your Eligibility
Easy to apply for a loan with us
3.74%
Home Loans
8.96%
Personal Loans
6.70%
Car Loans
9.00%
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Empowering Dreams Enabling Lives.
At Online Dhan Finance, we believe that financial support should be fast, fair, and accessible to everyone — anytime, anywhere. Founded with a mission to simplify lending, we provide Easy personal loans to individuals who need funds without the hassles of paperwork, long queues, or complex terms. With a technology-first approach and a customer-first mindset, Online Dhan Finance offers quick disbursal, flexible EMIs, and complete transparency. Whether it's a family wedding, a medical emergency, a travel plan, or a home renovation, Online Dhan Finance is here to back you when it matters most. We don’t just offer loans — we build financial confidence.
Who We Are?
Online Dhan Finance is a trusted personal loan provider offering quick and easy financial solutions.
What We Offer?
Our loan sanction is one of the quick with easy documentation and fully digital process .
Our Mission
To make loans simple, fast, and accessible for everyone in need.
Our Vision
To empower every Indian with smart and safe financial services.
150,000+
$5 billion+
Why people choose us
Get Personal Loan with
Trusted and transparent process only at
Bal Online Dhan Finance
How does it work?
We have a fast and easy application process.
Choose Loan Amount
Identify what you need. Determine your requirements for a personal loan and the amount you require.
Provide Document
Submit your document to verification & validation Our team will work diligently to expeditiously approve your loan.
Approved Loan
After Documentation verification Our team will work diligently to expeditiously approve your loan.
Get your Money
Once all of your paperwork has been validated. The chosen amount will be provided to you in a few minutes.
Flexible terms and reliable service with a commitment to trust and transparency.
Loan Details
Min Loan:
Minimum Loan Amount ₹50,000
Max Loan:
Minimum Loan Amount ₹20,00,000
Minimum Interest
8% p.a.
Maximum Interest
17.5% p.a.
Min Tenure
12 Months
Max Tenure
10 Years
Min Processing Fee:
2% of Loan Amount
EMI Bounce:
₹590/-
📢 Personal Loan Disclosure Details
Min APR:
8%
Max APR:
17.5%
📌 Interest Rates:
Our personal loan interest rates start from as low as 8% per annum, based on your credit score, repayment history, and financial profile. Final rates are determined by the lending partner after a complete application review.
✅ Eligibility Criteria:
Approval is subject to completion of:
- KYC verification (PAN, Aadhaar, etc.)
- Income & employment assessment
- Creditworthiness evaluation
📈 Annual Percentage Rate (APR):
For loans disbursed between 01 January 2024 to 31 December 2025, the APR ranges between:
🔹 Minimum APR: 8%
🔸 Maximum APR: 17.5%
This includes interest, processing fees, and charges as per Indian regulatory guidelines.
🕒 Repayment Tenure:
Flexible repayment options are available:
🔽 Minimum: 12 Months
🔼 Maximum: 240 Months (20 Years)
Longer tenures help reduce monthly EMIs and increase affordability.
Min APR:
📊 Representative Loan Example
- 💼 Loan Amount: ₹1,00,000
- 📉 Interest Rate: 8% p.a.
- 📅 Tenure: 24 months
- 💸 EMI: ₹4,523/month
- 💰 Total Interest Payable: ₹8,552
- 🔁 Total Repayment: ₹1,08,552
Loan Solutions Tailored for Every Need
Wedding Loans
Make your big day truly memorable — without financial stress. Cover venue costs, jewelry, travel, or catering with ease.
Medical Emergency Loans
Handle unexpected health expenses with quick and easy financing — because life doesn’t wait for paperwork.
Education & Skill Loans
Fund higher studies, online courses, or certifications. Learn now, pay later with flexible EMIs and zero stress.
Travel & Vacation Loans
Explore your dream destination without delay. Get Easy funds for travel, hotel, and experiences — stress-free.
Home Renovation Loans
Give your space a modern upgrade. Finance your interiors, repairs, or furnishing needs Easyly with us.
Business & Side Hustle Loans
Start, grow, or scale your business with ease. Perfect for freelancers, small shops, and self-starters.
Debt Consolidation Loans
Combine multiple high-interest debts into one manageable EMI. Save more and clear your dues faster with ease.
Vehicle Repair Loans
Need urgent repairs or upgrades for your car or bike? Get Easy cash to stay on the road without delay.
Festival & Celebration Loans
Celebrate festivals, birthdays, or special occasions without financial worry. Make moments bigger with small EMIs.
Women Empowerment Loans
Special loans for women entrepreneurs, homemakers, and professionals — to help you rise independently and confidently.
Gadget & Electronics Loans
Need a laptop, smartphone, or camera for work or study? Buy now, pay later with fast personal loans.
Relocation & Rental Deposit Loans
Shifting to a new city? We help you cover moving expenses or hefty rental deposits without burden.
Eligibility & Criteria
Age Limit
- Salaried Individuals: 21 to 60 years
- Self-Employed/Business Owners: 25 to 65 years
Minimum Income
- Salaried = ₹15,000 – ₹25,000 (depending on city)
- Self-Employed = Minimum ₹2.5 lakh annually
Minimum Experience
- Salaried: Minimum 2 years work experience, with 1 year current job
- Self-Employed: Business operational for at least 3 years
Documents Required
Identity Proof
(Any one of the following)- ✅ Aadhaar Card
- ✅ PAN Card
- ✅ Passport
- ✅ Voter ID
- ✅ Driving License
Address Proof
(Any one of the following)- ✅ Utility Bill
- ✅ Passport
- ✅ Aadhaar Card
- ✅ Ration Card
- ✅ Rent Agreement
Income Proof
(Any one of the following)- ✅ Last 3 months’ salary slips
- ✅ Last 6 months’ bank statement
- ✅ Form 16 or latest ITR
Loan Representative Example
Loan Summary Details
| Loan Amount | ₹50,000 |
| APR | 8% per annum |
| Tenure | 12 Months |
| Processing Fee | 2% of loan amount (₹1,000) |
| GST on Processing Fee | ₹180 |
| Amount Disbursed | ₹48,820 |
| EMI | ₹4,378 |
| Total Repayment Amount | ₹52,536 |
| Total Interest | ₹2,536 |
This example shows the total cost of a ₹50,000 loan including all fees and interest over 12 months.
If you apply for a loan of ₹50,000 at an 8% APR for 12 months, a processing fee of 2% (₹1,000) plus ₹180 GST will be charged.
The total fee amount of ₹1,180 will be deducted from your loan, so you will receive ₹48,820 as the disbursed amount.
You will repay ₹4,378 per month for 12 months, totaling ₹52,536 — which includes ₹2,536 as interest.
Explanation:
This means if you borrow ₹50,000, you’ll receive ₹48,820 after deducting applicable fees. You will repay ₹52,536 over 12 months through equal monthly installments (EMIs), which cover both the principal and the interest. This example helps you understand the approximate cost of the loan before applying.
Please note that the APR may vary based on your credit profile. Terms and conditions apply.
Grievance Redressal
Online Dhan Finance is a financial services platform operated by Online Dhan Finance, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), bearing Corporate Identity Number (CIN): U27310DL1982PTC013686.
We strictly follow RBI regulations and uphold ethical lending practices to protect and empower our customers. In accordance with RBI directives, we have established a dedicated Grievance Redressal Mechanism that ensures fair, transparent, and time-bound resolution of complaints.
If you have any issues, we encourage you to reach out. Our team is committed to addressing all concerns promptly, typically within 5 working days, as per RBI norms.
