Dhani finance helps you access loans easily. You must be legally permitted to enter into a contract and provide us with the information and permissions we need in the manner we ask for.

Eligibility: You may use our Services only if you are legally permitted to do so under applicable laws. Additionally, please note that for you to be eligible to avail a personal loan through the App, your annual household income must be more than Rs. 3,00,000 (Rupees Three Lakhs). For this purpose, the term ‘household’ shall mean an individual family unit, i.e. husband, wife and their unmarried children who are above the age of 18 years. If we discover that any person using our Services is not capable of entering into a legally binding contract, we may immediately terminate their Dhani finance Account (as defined below). Do note that if you avail a (a) personal loan through the App, the terms of the loan will be governed by the applicable User Loan Agreement; and (b) housing loan through the App, the terms of the loan will be governed by the housing loan agreement, sanction letter, applicable undertakings and mortgage documents executed with the Lending Partner. What you get from us: Dhani finance allows you to acquire: a personal loan, home loan, Business loan, and education loan from our Lending Partner in a seamless and paperless manner. Dhani finance may provide a combination of the following facilities to our users (“Services”): (A) enabling you to avail personal loans; and (B) enabling you to avail home loans. We may add or subtract from the Services we are providing from time to time.
Signing up to use our Services: In order to use the App, you must create a profile (“Dhani finance Account”) with us through the App. To create a Dhani finance Account, you must provide us with your phone number, which we will authenticate with a one-time password. You must also permit us to gain access to your Financial SMS es, contacts, location data, storage and such other device data as we may require providing our Services to you. You have to provide us with the following details (with supporting documents to the satisfaction of our Lending Partner):

What you get from us: Dhani finance allows you to acquire: a personal loan, home loan, Business loan, and education loan from our Lending Partner in a seamless and paperless manner. Dhani finance may provide a combination of the following facilities to our users (“Services”): (A) enabling you to avail personal loans; and (B) enabling you to avail home loans. We may add or subtract from the Services we are providing from time to time.
Signing up to use our Services: In order to use the App, you must create a profile (“Dhani finance Account”) with us through the App. To create a Dhani finance Account, you must provide us with your phone number, which we will authenticate with a one-time password. You must also permit us to gain access to your Financial SMS es, contacts, location data, storage and such other device data as we may require providing our Services to you. You have to provide us with the following details (with supporting documents to the satisfaction of our Lending Partner):
your name as provided in your PAN Card;
mobile phone number;
email ID;
date of birth;
marital status;
residential details;
employment type and place of work;
monthly income;
PAN;
details of property and title documents (if you are availing a home loan); and/ or
Such other documents and/ or information as may be requested by the Lending Partner from time to time. Such other documents and/ or information as may be requested by the Lending Partner from time to time.
The Dhani finance Privacy Policy details the nature and type of information we collect and process (either for ourselves or on instructions and on behalf of our Lending Partner) to enable the setting up of a Dhani finance Account, completing the Know-your-Customer (“KYC”) processes or to provide such information to our Lending Partner as it may need to process your loan. If the information provided by you does not, in our sole discretion based on our internal policies, amount to reliable information or appears to be fraudulent, then we will not allow you to open a Dhani finance Account and you shall not be eligible to apply for a loan using the App. If we discover any deficiency in the information provided by you on a later date, then we may terminate your Dhani finance Account. Please note that we may add further verification procedures in the future, whereby you may be required to provide us with more information.