Personal Loan

You can’t just ask customers what they want and

then try to give that to them. By the time you get

it built, they’ll want something new.

Steve Jobs

As it is rightly said, the best investment on earth is earth.

Dhanvarsha’s Loan Against Property helps you leverage your property’s value for all your financial needs .

Loans that assist you in raising finance against your residential, commercial or industrial properties providing quick access to funds at attractive Interest rates.We offer customised Property Loan to salaried and self-employed individuals.

Type of property mortgage:

Self Occupied/Rented Residential and Commercial Properties.

Scheme Offerings:

Income method, Banking surrogate, Liquid Income Program, Low Loan to Valuation, Program & Lease rent discounting

Loan Range:

1 - 50 Lakhs

Loan Tenure:

36 to 120 months

Indicative EMI:

Around 1,613 per Lakh
Self Employed
Non Professional (SENP)

If you are an individual engaged in manufacturing, service sector or trading (whether wholesale or retail, business or profession) other than listed below in Self Employed Professionals (SEP) section.

Non Individual (Entities)

Under the non-individual category, if you are company registered under The Companies Act, 1956 subsequently amended in 2013 or if you are a partnership firm or a limited liability partnership firm in the business of manufacturing, trading (wholesale or retail) or in the service industry. In such cases, the business entity should be the main applicant. In case of proprietorships, the firm should be the main applicant and the proprietor should be a co-applicant.

Self Employed Professionals (SEP)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

Salaried (Resident Indians Only)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

This includes applicants working with any of the following institutions / firms: -

Govt. institutions / Semi-Govt. institutions

Public sector undertakings

Private sector companies such as Limited Companies / MNCs & Private Limited Companies

The documents required for availing a loan
with us are simple and include:

  • Application form with passport-sized photographs

  • Photo-Identity proof (Any one)

  • Passport | Pan Card | Voters ID Card | Driving License

  • Address proof: Passport / Aadhar

Property documents

  • Latest Sale deed

  • Property Chain link documents ( Previous Sale deeds of the property )

  • Approved Sanction Plan

  • OC Copy ( if available )

  • Society registration certificate copy( if available )

  • Society Share Certificate Copy( if available )

  • Latest Property Tax receipt

  • Bank statements for the last 12 months

  • Latest utility bill of shop and residence

For Self Employed Non Professional,
Entities and Self Employed Professionals

  • IT Returns for the last 2 years

  • Balance sheet and P/L statement for last 2 years , Audit reports and all schedules

  • Business Vintage proof (3 years vintage in the form of Shop Establishment. Act, Current Ac opening date, Old ITR , etc.

For Salaried Employee

  • Form 16 of latest 1 year

  • Salary slips for last 6months.

Loan against property is a loan given to the borrower against his property mortgaged. LAP is the best asset to leverage for business expansion or personal needs. Unlike unsecured loans, LAP involves a security as a property which the borrower can mortgage, if he is not able to repay the loan.
The loan against property is a secured loan where you pledge tangible assets like a residential home or a commercial shop owned by you to avail funds.
Loan against property can be applied for if you are in need of funds for your business or any personal use by mortgaging any commercial, residential, or industrial property which you can offer as security.
The following documents are required for applying for personal loan
Application form with passport size photograph
Passport, Pan Card, voter id, driving license
Property documents
IT returns for last 3 years
Bank statements
Maintenance bill
All documents require self-attestation
The average tenure for loan against property is from 60 to 180 months.

As an entrepreneur one comes across multiple opportunities every day and consciously chooses to let them pass due to lack of funds

Dhanvarsha offers you a solution for all your business funding requirements to make you truly independent, or “Atmanirbhar”. We provide quick and easy collateral-free business loans, at affordable rates to our customers, with minimal documentation.

We offer a variety
of Business Loans including:

Business Loan for Women ‘Mahila Udyog’

Working Capital Loan

Business Expansion/Modernization Loan

Shop Renovation Loan

Loan for Stocking & Inventory Management

Loan Range:

1 - 10 Lakhs

Loan Tenure:

12 to 36 months

Indicative EMI:

Around 3,615 per Lakh for Business Loans & 6,573 per Lakh for ECEP.
Essential commodities product - Express Loan
Funding for Essential Commodities,
which cater to the daily essentials Sectors, viz.

Medical,

Kirana & General Stores,

FMCG (including Food),

Education and

Information Technology

Description

Range:

Less than 3 Lakhs

Loan Tenure:

12 months to 24 months

Faster turnaround time

Quicker TAT to disburse the Loans

Simpler and easy Loans to the Customers

Self Employed Non Professional (SENP)

If you are an individual engaged in manufacturing, service sector or trading (whether wholesale or retail, business or profession) other than listed below in Self Employed Professionals (SEP) section.

Non Individual (Entities)

Under the non-individual category, if you are company registered under The Companies Act, 1956 subsequently amended in 2013 or if you are a partnership firm or a limited liability partnership firm in the business of manufacturing, trading (wholesale or retail) or in the service industry. In such cases, the business entity should be the main applicant. In case of proprietorships, the firm should be the main applicant and the proprietor should be a co-applicant

Self Employed Professionals (SEP)

If you are a practicing doctor, chartered accountant, company secretary, architect or any other professional with an independent practice.

This includes applicants working with any of the following institutions / firms: -

Govt. institutions / Semi-Govt. institutions

Public sector undertakings

Private sector companies such as Limited Companies / MNCs & Private Limited Companies

  • Completely filled application on Dhanvarsha app with correct name, address & photograph of the primary applicant

  • KYC Documents of applicant and all Co-applicants (Either Property Owner or Female co-applicant mandatory at login stage)

  • (PAN Card, Passport/Aadhaar Card) - PAN is Mandatory for the primary applicant

  • Business Vintage Proof (3 years vintage to be documented)

  • If Owned Residence/Office Address Proof - Utility Bill not older than 3 months in the name of the owner

  • If Rented Residence/Office - Valid rent agreement with utility bill in the name of the landlord required

  • Latest 6 Months Bank Statement Busiess Bank account(Current, OD/CC or Savings from where business is transacted & loans are running)

  • Repayment Track Banking of all active loans as per CIBIL/Financials/Banking of all parties on the loan structure

  • 1/2 years (1 for Micro Million & 2 for other products) ITR alongwith Profit & loss, Balance Sheet & Schedules. If Audited - Form 3 CB, 3CD, Audit Report.

  • Additional Docs for Private Limited Company - Company PAN card, Memorandum of Association (MOA), Articles of Association (AOA), CA Attested SHP

A working capital loan is ideal for you if you are running a business establishment and need working capital funding to attain your goals. We provide unsecured working capital loans and secured working capital loans depending on your requirements.
An Unsecured Working Capital Loan does not require you to provide any collateral security to us, however a Secured Working Capital Loan will require you to mortgage a Residential, Commercial or Industrial Property with us to avail funding.
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information. -What would be the minimum and maximum amount that can be issued for business loan?
The average tenure of business loan for-
Short Term Working Capital- 12 to 36 months
Long Term Working Capital – 36 to 180 months
The following documents are required for applying for business loan
Application form with passport size photograph
Passport, Pan Card, voter id, driving license
KYC documents including Certificate and proof of business existence
Property documents
IT returns for last 3 years
Bank statements for last 12months
Maintenance bill
All documents require self-attestation
Existing loan tracks either through bank statements or statement od accounts of existing loans
The following are the requirements for applying business loan,
Applicant’s age to be within 25 to 65 years
A healthy CIBIL score and strong credit profile
1 lakh to 25crores
Customization of your businessloan Monthly repayment

Make tomorrow happen today.

Each of us have our wish list that we pursue all through our lives, Whether you want to renovate your home, get married, purchase a vehicle, or take up a skill development course, why wait?

Tomorrow brings its own set of uncertainties. Take the plunge, make it happen today!

At Dhanvarsha, we understand your wishes and strive to be your financing partner for all your needs and life goals.

We offer personal loans to both salaried and business professionals, our personal loans are quick, easy and affordable with flexible terms

We make sure you get the best value to your hard earned money.

Loan Range:

1 - 10 Lakhs

Loan Tenure:

12 to 48 months

Indicative EMI:

Around 2,886 per Lakh

Manufacturing, logistics, services or retail - whatever be your industry, if you have cash blocked in your outstanding invoices, we have you covered. Don't wait to get paid by your clients – get instant money against your invoices.

Get registered as Partners & access instant money against your outstanding invoices. Save cost on your working capital, have liquidity for better bargains, no or minimal collection hassle, speed up your cash cycles for business success

Advantages

Easy & Quick:

Set your limit in a day on submission of documents.

Flexible Repayment:

Don’t worry as we collect from your customer.

Hassle-free Paperwork:

Minimal documentation as the process is majorly digital

Collateral Free:

Get instant and collateral free money on your outstanding invoices as an advance on submission of your documents.
SALARIED (Resident Indians Only)

If you are an individual in full time employment with an employer for monthly salary.. This includes applicants working with any of the following institutions / firms: -

Govt. institutions / Semi-Govt. institutions

Public sector undertakings

Private sector companies such as Limited Companies / MNCs & Private Limited Companies

  • Duly filled application on Dhanvarsha app with Photograph

  • KYC Documents of applicant (PAN Card, Passport / Aadhaar Card / Rent Agreement)

  • Utility Bill not older than 3 months in the name of applicant / family / Landlord

  • Latest 3 months salary slips

  • Latest 6 Months Bank Statement of Salaried Account

Personal loan can be taken for a wide range of financial requirements, such as:
Wedding
Home renovation
Travel
Purchases
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information.
The following documents are required for applying for personal loan
Duly filled application on Dhanvarsha app with Photograph
KYC Documents of applicant (PAN Card, Passport/Aadhaar Card/Rent Agreement)
Utility Bill not older than 3 months in the name of applicant/family/Landlord
Latest 3 months Salary slips
Latest 6 Months Bank Statement of Salaried Account/Current Account
The eligibility criteria required for personal loan is salaried people like an individual working for full time employment with employer for monthly salary. Applicants working with the following firms or companies can apply,
Govt. institutions / Semi-Govt. institutions
Public sector undertakings
Private sector companies such as Limited Companies / MNCs & Private Limited Companies
5 -7 working days
17-24%
Dhanvarsha offers personal loans with attractive benefits like,
Customization of your personal loan
Monthly repayment
Instant approval and quick disbursement
Approval with minimal documentation
Loan repayment typically happens via EMI over the tenure of the loan. The EMI includes components of both principle and interest.
Personal Loans are typically unsecured loans backed by the personal guarantee and security cheques of the borrower
We have different categorization
of personal loans:

Medical - Dhan Aarogya

They say it’s best to always be prepared and it is rightly said so, however there are times where we are caught off guard. This could happen to anyone. What would you do then? Where would you go? Do not let stress boggle you down.

When time is essence you can count on us.

DhanAarogya your angelic savior that comes in as a blessing in these dire times.

We ensure money isn’t a roadblock during medical emergencies.

Easy & Quick:

Get immediate approval once you submit your application.

Flexible:

Pay your EMI’s in 6, 9, 12 months with Zero Foreclosure charge.

Hassle-free:

Minimal documentation as the process is majorly digital

Collateral Free:

No collateral or security is needed for a Medical Loan

  • Applicant Pan Card

  • Applicant Aadhar Card

  • Residence Light Bill- Residential Proof

  • Latest Saral Page

  • Latest 3 Months Bank Statement : Current/Saving/Salaried Bank Account

  • Latest Salary Slip for Salaried Customer

Medical loan is a personal Loan taken to pay for medical expenses, Be it providing the best healthcare for your loved ones or need funds for any urgent medical procedures, a Medical loan is what you need in such a situation
Treatments, optional surgical procedures or other medical related costs partly or not covered by insurance can be paid by a medical loan.
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information
Yes, you can take medical loan for your immediate family members i.e. Blood relatives
You can get the loan within three to Five (3-5) working days post successful proceeding of signing documents.
It helps to provide hassle free funds for emergencies such ad surgeries, childbirth, etc.
Avoids awkward moments asking funds from friends and relatives
Easy EMI paying per month
Accessibility and affordability into choice of hospitals, nursing homes, etc
Funds for other medical related expenses which are not covered by a standard insurance policy.
Instant approval and quick disbursement
Monthly repayment
Instant approval and quick disbursement
Approval with minimal documentation
The average tenure for medical loan is from 6months to 12months. The loan also depends upon the eligibility criteria of the patient.
Applicant Pan Card
Applicant Aadhar Card
Residence Light Bill- Residential Proof
Latest Saral Page
Latest 3 Months Bank Statement : Current/Saving/Salaried Bank Account
Latest Salary Slip for Salaried Customer
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information (Same type of Question can eliminate) if we are going ahead with it copy paste it under travel and school fee loans as well.
We provide short term Personal Loans from INR 25,000 to 10 lakhs
Medical Loans are typically unsecured loans backed by the personal guarantee and security cheques of the borrower.
Loan repayment typically happens via an Equated Monthly Instalment (EMI) payment by the borrower to the lender over the tenure of the loan. The EMI includes components of both Principle & Interest. Instalments are collected via direct debit from your bank account each month.
Yes, we offer the option to foreclose the loan. Details of the applicable foreclosure procedure will be mentioned in your Sanction Letter.

Education - Dhan Vidya

Dreams are precious, as parents we are willing to go that extra mile to make sure we provide the best for our kids. The rising cost of education cannot be met without financial planning

The cost of quality education has lately been a major concern, school-fees soaring high and having to pay these in annual modes makes it even more challenging, Dhan Vidya is here to back you up.

Avail hassle free loans to conveniently pay your child’s fees with ease of paying it back in easy installments

  • Applicant Pan Card

  • Applicant Aadhar Card

  • Residence Light Bill- Residential Proof

  • Latest Saral Page

  • Latest 3 Months Bank Statement : Current/Saving/Salaried Bank Account

  • Latest Salary Slip for Salaried Customer

School fee Loan is a personal Loan taken to pay your child’s school fee, This particular loan is designed to take the financial burden off your shoulders and allows your child to get the quality of education they need to grow and excel in life.
To help your child to fulfil their aspirations by getting admission in top schools of the country.
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information
Either or both parent(s) eligible can apply for a School Fee Loan which can be used to cover school fee requirement of their kids
Any child who is a toddler to a teen.
You can get the loan within three to Five (3-5) working days post successful proceeding of signing documents.
Affordability and Accessibility into the parent’s choice of institute
Makes students financially responsible. Savings for retirements and other emergencies
Loan at your doorstep no, no visiting our offices
Funding the rising cost of Education
Easy EMI paying per month
Customized collection service maintaining school – parent relationship
Monthly repayment
Instant approval and quick disbursement
The average tenure for the loan is 12months.
Applicant Pan Card
Applicant Aadhar Card
Residence Light Bill- Residential Proof
Latest Saral Page
Latest 3 Months Bank Statement : Current/Saving/Salaried Bank Account
Latest Salary Slip for Salaried Customer
We provide short term Loans from INR 25,000 to 10 lakhs
School fee Loans are typically unsecured loans backed by the personal guarantee and security cheques of the borrower.
Loan repayment typically happens via an Equated Monthly Instalment (EMI) payment by the borrower to the lender over the tenure of the loan. The EMI includes components of both Principle & Interest. Instalments are collected via direct debit from your bank account each month.
Yes, we offer the option to foreclose the loan. Details of the applicable foreclosure procedure will be mentioned in your Sanction Letter.

Travel - Dhan Safar

Aspire to travel the world, need a break from hustle bustle of life, planning an exotic vacation with your loved ones, upgrading that honeymoon trip a little more or just a weekend getaway; don’t let the expenses hold you back.

Our hassle-free & instant Travel loan lets you fund your dream vacation in a few simple steps.

Advantages

Easy & Quick:

Get immediate approval once you submit your application.

Flexible Repayment:

Pay your EMI’s in 12 months with Zero Foreclosure charge.

Hassle-free Paperwork:

Minimal documentation as the process is majorly digital

Collateral Free:

No collateral or security is needed for a Travel Loan

  • Duly filled application on Dhanvarsha app with Photograph

  • KYC Documents of applicant & co applicant (PAN Card, Passport / Aadhaar Card / Rent Agreement)

  • Utility Bill not older than 3 months in the name of applicant / family / Landlord

  • Latest 3 months Salary slips

  • Latest 6 Months Bank Statement of Salaried Account / Current Account

  • Latest 2 Year's Form 16 / ITR

A Travel Loan is a personal loan which helps turn your dream Holidays into reality. Whether it an exotic Honeymoon with your spouse or a much needed family vacation, we have all your travel needs covered.
To help fulfil ones dream of travelling and experience what the world has to offer.
Visit our website and apply the form by clicking “APPLY NOW” or contact us on “022-67708505 / 022-28264295" for more details. Also download the application from Play Store for more detailed information
Anybody who is planning to take trip.
The traveller should plan the trip via a travel agent.
You can get the loan within three to Five (3-5) working days post successful proceeding of signing documents.
The benefits for availing travel loans are many like priority preferences for your airline seat and your hotel room, scheduling activities at the destination, welcome preparations, choosing you holiday activities and many more.
Monthly repayment
Instant approval and quick disbursement
Approval with minimal documentation
The tenure for travel loan is from 6 to 12months.
Duly filled application on Dhanvarsha app with Photograph
KYC Documents of applicant & co applicant (PAN Card, Passport/Aadhaar Card/Rent Agreement)
Utility Bill not older than 3 months in the name of applicant/family/Landlord
Latest 3 months Salary slips
Latest 6 Months Bank Statement of Salaried Account/Current Account
Latest 2 Year's Form 16/ITR
We provide short term Personal Loans from INR 25,000 to 10 lakhs
School fee Loans are typically unsecured loans backed by the personal guarantee and security cheques of the borrower.
Loan repayment typically happens via an Equated Monthly Instalment (EMI) payment by the borrower to the lender over the tenure of the loan. The EMI includes components of both Principle & Interest. Instalments are collected via direct debit from your bank account each month.
Yes, we offer the option to foreclose the loan. Details of the applicable foreclosure procedure will be mentioned in your Sanction Letter

Home Renovation - Dhan Ghar

Renovate your space without having to think about the expenses, Apply now and find the most perfect solution to do up your Home.

Debt consolidation – Dhan Sukh

Dhanvarsha helps you consolidate all your debts together to pay 1 single EMI.