Transparent Personal Loans up to ₹5 Lakhs
Quick approval. No hidden charges.
100% Secure
RBI Regulated
Our Loan Products
Business Loan
Education Loan
How It Works
Our simple 4-step process gets you from application to funding in record time
Step 1: Apply Online
Complete our simple application form in just 2 minutes with basic personal and income information.
Application Time
Approval Time
Digital Process
Loans for Every Need
Whether it's for education, business, or personal expenses, DhanRishi has a loan solution for you.
₹8,000
For Fuel
Quick loans for daily expenses
₹18,000
For School Fees
Education financing made easy
₹5,000
For Study Materials
Support for educational needs
₹25,000
Business Expenses
Grow your business with us
Loan Calculator
Calculate your loan amount, fees, and repayment schedule with our interactive calculator.
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Loan Summary
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Amount You Receive
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Loan Breakdown
* The actual loan amount and terms may vary based on your eligibility. All loans are subject to approval.
Why Choose DhanRishi
We're committed to providing a transparent, fast, and hassle-free lending experience. Here's why thousands of customers trust DhanRishi for their financial needs.
100% Secure & Transparent
Your data is protected with bank-grade security. We're transparent about our fees and charges, with no hidden costs.
Quick Approval & Disbursement
Get your loan approved within minutes and funds disbursed directly to your bank account within 24 hours.
Flexible Repayment Options
Choose from multiple repayment options including UPI, net banking, and auto-debit. Set up EMIs that fit your budget.
Minimal Documentation
Our digital process requires minimal documentation. Upload documents online and complete the entire application process from the comfort of your home.
What Our Users Say
Join thousands of satisfied customers who trust DhanRishi for their financial needs.
"I was skeptical about online loans, but DhanRishi changed my perspective. The process was incredibly smooth, and I received the funds within hours. The transparency about fees and interest rates was refreshing."
Neha Gupta
Business Owner, Delhi
"The DhanRishi app is so intuitive! I needed a quick loan for my daughter's school fees, and the entire process from application to disbursement took less than a day. Highly recommended!"
Rajesh Kumar
Teacher, Mumbai
Frequently Asked Questions
Find answers to common questions about our loan products, application process, and more.
Our loan approval process is designed to be quick and efficient. For most customers, the entire process from application to disbursement takes less than 24 hours. In many cases, loans are approved within minutes and funds are disbursed within a few hours after approval, provided all documentation is in order.
The basic documents required include your PAN card, Aadhaar card, and income proof (such as salary slips or bank statements). For salaried individuals, we require the last 3 months' salary slips and bank statements. For self-employed individuals, we need 6 months of bank statements and the latest ITR. The exact requirements may vary based on the loan type and amount.
No, there are no hidden charges. We believe in complete transparency. All applicable fees and charges are clearly mentioned in the loan agreement before you accept it. The main charges include processing fee (2-3% of loan amount), GST on the processing fee, and late payment charges if applicable.
If you miss a payment, a late payment fee will be charged, and it may affect your credit score. We recommend contacting our customer service team immediately if you anticipate any difficulty in repayment so we can work out a solution. We understand that financial situations can change, and we're committed to working with our customers to find reasonable solutions.
Yes, you can pre-close your loan after completing a minimum tenure (usually 3 months for personal loans). A nominal pre-closure fee of 2-3% of the outstanding principal amount may apply. This gives you the flexibility to repay your loan whenever your financial situation improves.
DhanRishi is a digital lending platform that connects borrowers with RBI-registered NBFCs (Non-Banking Financial Companies). We do not lend directly but facilitate loans through our NBFC partners who are regulated by the Reserve Bank of India. This ensures that all lending activities comply with RBI guidelines and regulations.
Still have questions? We're here to help.
Contact Our Support TeamYour Loan, In Your Pocket
Download the DhanRishi app for a seamless loan experience. Apply, track, and manage your loans anytime, anywhere.
Apply for loans in minutes
Quick application process with minimal documentation
Track application status
Real-time updates on your loan application
Manage repayments easily
Set reminders and make payments with a single tap
Earn rewards
Get DhanCoins for timely repayments and unlock benefits
*Subject to approval and bank processing
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From Our Resources
Helpful guides and articles to help you make informed financial decisions.
Understanding Personal Loan Interest Rates
Learn how personal loan interest rates are calculated and how to get the best rates for your financial situation.
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5 Tips to Improve Your Credit Score
Discover practical strategies to boost your credit score and increase your chances of loan approval with better terms.
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How to Manage Loan Repayments Effectively
Practical advice on managing your loan repayments to avoid defaults and maintain a healthy financial profile.
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