Dhani Loans & Services Limited – Background And Services
When it comes to providing the best loans and other financial services to people, Dhani is one of the leading financial companies in India. They give people some of the best in class loans and financial assistance, along with having its own e-commerce shopping center rivaling the likes of Amazon for the Indian public.
But how big is this company in 2023, and how many services do they provide? If you wish to learn more about this company, read this post until the end.
Dhani – Overview
Dhani was initially known as Indiabulls Ventures Limited since its inception in 1995 by Sameer Gehlaut. Soon, it established itself as a significant FinTech (Financial Technology) player in the Indian market as a financial software developer for various clients.
Over time, it broadened its product and service portfolio when it launched a subsidiary named Indiabulls Consumer Finance Limited in 2017. This app-based India Bull personal loan money lending service targets the personal loans market in India.
At the same time, it also launched another subsidiary named Indiabulls Securities Limited to become a major player in the Indian Stock Market. This subsidiary targeted India’s stock trading consultation market, which was slowly rising.
In 2020, Indiabnulls rebranded itself to Dhani. This changed the names of its subsidiaries as well. Indiabulls Consumer Finance Limited became Dhani Loans & Services Limited. In addition, Indiabulls Securities Limited became Dhani Stocks Limited.
After this rebranding, the company dabbled into providing healthcare e-commerce services in the form of Dhani Healthcare Limited. This health tech (healthcare technology) subsidiary started selling medicines and healthcare consultancy online amidst the rise of the pandemic.
This subsidiary soon extended its services to provide a full-fledged e-commerce platform where you can buy various products online, including food products, electronics, clothing, jewelry, and more.
Benefits Of Dhani Loans And Services
There are several types of Dhani Loans and services that you must know at your end. You must be well aware of the reality that can make things easier for you to reach your goals with ease. Some of the key factors that you must know at your end are as follows:-
1. Instant Personal Loans
Dhani provides instant personal loans online, allowing quick access to funds for various purposes, such as medical emergencies, travel, or debt consolidation. It will help you to meet your goals with complete ease. Some of the crucial facts that you must know at your end to get the loans on time.
2. Digital Process
The loan application and approval process is entirely digital, making it convenient for users to apply for loans from anywhere using their mobile devices. You need to get through the complete process that can make things perfect for you in reaching your goals with complete ease. Some of the core that can affect you are mentioned here.
3. Quick Disbursement
Once approved, Dhani disburses the loan amount swiftly, often within minutes, directly into the borrower’s bank account. You need to get through the complete process that can make things easier for you to attain your goals with ease.
4. Competitive Interest Rates
Dhani offers competitive interest rates on its personal loans, making them more affordable for borrowers. Once you follow the correct solution, it can make things easier for you to reach your goals with complete ease.
5. Flexible Loan Amount
Borrowers can typically access a range of loan amounts based on their eligibility and requirements. Once you follow the correct choices, things can become easier for you to attain your requirements with complete ease.
6. No Hidden Charges
Dhani aims for transparency in its services, ensuring borrowers are aware of all associated fees and charges upfront. Dhani also provides a line of credit facility where borrowers can use funds as per their needs and pay interest only on the amount utilized.
It’s crucial to note that while these benefits make Dhani loans and services attractive, borrowers should review the terms and conditions, interest rates, fees, and repayment options before availing of any financial product or service to ensure it aligns with their financial goals and capabilities.
Dhani Loans & Services
Dhani Loans and Services has been popularized using Dhani OneFreedom.
When you register for this service, you will receive a Dhani Freedom Card. With this card, you can avail various benefits like:
- Instant Money: With this application, you can apply for personal loans up to ₹5 lacs (around $6000) with no interest. All you need to do is be a verified user and connect your online banking account with Dhani OneFreedom Digital card. In addition, you also need to verify using your Aadhar Card.
- Three Interest-Free Payments: This app makes it very easy to pay back your loans. No matter how much money you take as a loan, you must pay it back in three installments without additional interest.
- Bank Mandate Not Required: Since a bank mandate is unnecessary for this service, Dhani will never directly debit the money from your bank account. Therefore, there is no need to fear your money being debited without your consent!
- Dhani Store Offers: Once you become a member of Dhani OneFreedom, you can get your Dhani Physical Card for ₹99. You can use this card to avail various special offers with many partnered stores. In addition, you can also get discounts of up to 20% on groceries and household items from the Dhani Online Store. You also become eligible to receive 2% cash back on all purchases made from the online store! Plus, no extra processing fees are added to your purchases as well!
- Online Healthcare: With the Dhani Card, you can get online consultations from doctors through various online portals 24×7.
Dhani Online Shopping Store
Dhani has its own shopping store from where you can buy various products. While they initially started out as a provider of pharmaceutical products, they soon expanded to provide products like:
- Groceries
- Pharmaceutical Products
- Electronics
- Home and kitchen equipment
- Household products
- Personal care and beauty care products
- Baby care products
- Books and stationery items
- Healthcare products
- Pet care products
- Clothes and fashion accessories
- Toys and games
- Sports and fitness products
- Jewelry and fashion accessories
- Footwear
Dhani Stocks Limited
With Dhani Stocks Limited, you get access to stock trading on the Indian Stock market in the easiest way possible! There are various benefits of joining and trading in stocks using this platform. The most significant benefits are:
- Real-Time Stock Quotations: If you wish to buy stocks of a specific firm, you will get real-time updates regarding their stock prices.
- In-Depth Stock Market Analysis: Members will get various reports that will show metrics regarding the condition of the market and get predictions about rises and falls in stock prices of multiple companies.
- Customizable Watchlists: If you are interested in buying stocks of specific companies, you can create a watchlist to receive real-time stock price updates and news about them, tailor-made specifically for you!
- Trading Consultancy: If you are new to stock trading and want to invest most profitably, you can get trading consultancy using this app.
- Mobile Trading Platform: With the Dhani app, you get a platform to trade stocks from various platforms, which you can access anywhere, anytime. You can trade stocks using the app, website, and direct calls.
Dhani Services Share Prices
If you wish to invest in this company by buying Dhani shares, the current share price as of April 2023 is ₹67.75. Here is a share chart showing its fluctuating share prices in the last few months:
Dhani Controversies
In 2023, every company is flawed, even if they look to be. Every company faces its own set of issues, affecting customers and creating controversies. In this regard, Dhani has faced several controversies in the last few years.
Some of the most prominent controversies that Dhani loan has faced so far are:
- The former non-executive Director of the company came close to doing so in 2019. That year, she and her husband possessed unpublished business information, which they used as part of an “insider trading plan” to raise Dhani stock prices. After being caught in this act, they were impounded for ₹87,20,000 ($106,781) by the Securities and Exchange Board of India.
- The company expressed an “inability to make a formal statement” when several women doctors were sexually harassed on their online doctor consultation forums amidst the Covid lockdowns of December 2020. A detailed report of this incident was published by the Times of India newspaper.
- A glitch in the Dhani Loan app confused many users when they received a message to pay for loans they had never taken in April 2021. The company issued a formal apology for this inconvenience later on.
- Dhani was accused of several data breaches and misuse of personal financial information by many users in February 2022. Here, users claimed that their personal account numbers were used by unknown third parties to get loans in their names. This act was done without the consent and permission of the users. Moreover, this caused the people’s credit scores to significantly drop, for loans they never took as a defaulter.
Conclusion
Dhani is a well-established fintech and health tech company previously known as Indiabulls. It has become a significant presence in the Indian stock market, providing various services like a personal loan service and an e-commerce store.
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This is mainly done to evaluate a loan borrower’s worthiness of credit. CASHe App: How To Download The CASHe Loan App? The following are the steps that you need to follow to download the CASHe app: Step 1: Go to Google Play Store on your smartphone. Step 2: Type " CASHe " on the search bar and tap on the search button. Step 3: Click on the app named " CASHe” Step 4: Download and install the app. You can also use the CASHe promo code to get good offers on loans, as well as various graces on the rate of interest. Apart from the app, you can also visit the CASHe official website to see various details of the loan. If you want to get yourself a loan, go to the instant personal loan section, and click on the “Get a Loan” button. You will need to fill up a form and choose the type of loan you need. Furthermore, you will need to upload scanned documents about your personal details. After all these documents get properly verified, you will get the loan in no time. You can also get the loan within the same day. CASHe Loan Details CASHe Personal Loan DetailsCASHe Interest Rate2.25%Loan Amount₹1000 to ₹4 lakhLoan Tenure3 months to 18 monthsMinimum Age of Loan18 yearsLoan Processing FeeUp to 3% of the loan amountMinimum Income (Monthly)₹12000CASHe Loan Websitehttps://www.cashe.co.in/instant-personal-loan/CASHe Complaints numberNot available on the website The CASHe interest rates range from 2.25% per month to 2.5% per month (or 27% per annum to 33% per annum), based on the repayment tenure that you have chosen in terms of your loan. Once you have chosen your loan type, you will only need to pay accordingly. What Are The Eligibility Criteria To Get CASHe Personal Loans? Here are the eligibility criteria you will need to fulfill to get an instant personal loan from CASHe: You need to be at least 18 years of age. Minors are not eligible to get loans from CASHe. Your maximum age should not be more than 58 years. You must be at least employed for three months in your current organization where you are employed. You should be able to provide valid income proof. Your monthly income should be at least ₹12000 per month. You can only get a loan where the loan to value is 30% to 200% of your monthly salary. However, it depends on the type of loan that you choose. You can make use of the cashe promo code to get the loans on time. What Are The Documents Required For Loan Application? There are several types of documents that are required for the loan application of the Cashe Loan. You must have the following documents with you that you should make use of the Cashe Loan documents while making the application of personal loan. Photo Identity Proof as well as PAN card. You have to show your latest salary slip and income proof. You must use the Aadhar Card or any identity proof. Permanent Address proof you have to show to get the loan. 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You need to follow some of the essential facts that can make use of the Personal Cashe loans available for you in all possible manner. Some of the key factors that you must be well aware of are as follows:- Instant personal loan. Travel loan . Two-wheeler loan. Mobile loan. Marriage loan. Home renovation loan. Education loan. Consumer durable loan. Car loan. Medical Loan You can make use of the Cashe Promo code to get some discounts on these mentioned above loans. You must make things work as per your requirements. It will help you to get the desired loans on time. Explore the best loan options that fits your budget and requirements. Otherwise, things can turn worse for you. Cashe offers personal loan based on the loan tenure within a particular point in time. The details of getting the loans and its procedures you can get from their sites of paisabazaar.com. It will offer you all the complete details how you can afford these types of loans as you need. Know Before You Borrow: Things to Consider When Choosing Quick Loan Apps Read about the factors that are considered when it comes to choosing the right app! If you plan to choose a quick loan app, you must check a few things first. It starts with the following factors: Easy Application Process When choosing an instant loan app, ensure the application process is simple and easy. The entire process has to be straightforward and user-friendly. Always avoid apps with complex application procedures and require too much paperwork. You should be able to complete your application process straight from the smartphone. Loan Eligibility & Amount Some of the apps are designed for professionals. On the other hand, when choosing an app, ensure it doesn’t put high bars for loan approvals. For example, many loan apps require a significantly maintained credit score. Some apps require a good credit score, age limit, etc. Interest Rate Always ensure you get a good interest rate when taking a loan from an instant loan platform. The interest rate decides the overall amount you have to repay throughout the entire lifecycle of your instant loan. Typical Repayment Options It’s best to have a flexible repayment option. The repayment option should suit your financial situation. While some of these instant loan providers offer shorter repayment options, others also offer a long tenure. If you want flexibility with your loan repayments, you should go for providers that allow an extension on your repayment. Fast Disbursement Instant loans are all about your loan getting disbursed as soon as possible. But that’s not always the case. Some instant loan providers often take a long time to disburse the loan amount. So, when choosing personal loans, ensure you’re getting it from a reliable platform that disburses the loan right after approval. When approved the money should get credited to your account. Customer Support In case you are struggling to get the loan approved or want assistance regarding repayment tenures and flexibility, there should be a customer support team helping you. Whether during your repayment tentures or during application, the customer support team of the loan platform should help you. So, always choose a platform with a reliable customer support team. CASHe 1.5 Year (540 Days) Reviews – CASHe Review, CASHe Loan Review, And CASHe App Review Let us go through the reviews that are significant in understanding the apps where you can get a loan. Here are some of the major CASHe loan reviews that you must look for: Review 1: Review Source Review 2: Review Source Review 3: Review Source Summing Up One of the things we do not like about CASHe is that there is no CASHe loan customer care number for any types of CASHe complaint. Here, the safety factor goes away completely. However, the reviews for the loan platform are mixed. So, check your loans properly, before you get a personal loan. Share with us in the comments section what you think about CASHe. Read Also: Maximizing Tax Refunds: Tips And Tricks For Canadians Speed Up Your Funding: A Quick Guide To Business Loans Starting A Business In The USA – 4 Tips To Kickstart Your Venture
Mar 24, 2023
FlexSalary: Information, Eligibility Criteria, Interest Rates, Review & More
The FlexSalary App is a loan app that is run by an Indian NBFC named Vivify India Finance Pvt. Ltd. The company is registered with the Reserve Bank of India. However, there are not many good reviews regarding the app. However, the app and the company seem legit. Hence, we have dived deep and reviewed the app in this article for you. This article will consist of a review of FlexSalary, which claim to be one of the "Best instant loan app in India without salary slip.” Furthermore, we will also give you details about the interest rates, eligibility, and other loan-related information. Finally, we have also added some useful customer reviews regarding Flex Salary. Hence, to get fully informed about FlexSalary, read on through to the end of the article. FlexSalary – What Does It Offer? FlexSalary is an app where you can get a loan if you are a salaried individual. According to the official website of the company, “FlexSalary is an instant salary advance credit line that covers emergency needs of Indians before they get paid. It aims to aid all individuals who face a mid-month crisis by providing short-term lines of credit loans until they receive their salaries. We offer instant loans from Rs. 4,000 to Rs. 2,00,000 with flexible repayment terms.” It basically offers a personal line of credit. Even if you do not have a credit history, you will be eligible to get a loan from FlexSalary. If there are people who cannot find any other way to get financing, FlexSalary offers an unsecured line of credit. Loan AspectsWhat FlexSalary Offers You?Loan Amount₹ 4000 - ₹ 2,00,000Loan Tenure10 months to 36 months (Based on the loan applied for)Rate Of Interest On loans10% to 12% per annumLoan Processing Fees₹ 650 only (One-time payable only upon Loan Disbursement)Collateral Or MortgageNo collateral requiredLoan Review TimeDepending upon the amount of the loan (may take from 5 minutes to 7 days)Late Payment Of The LoanUp to 5 %, depending on the type of loan applied for.Loan RepaymentLoan repayment is made automatically from the provided bank details as per the approved schedule. Repayment should be made through the mobile app of FlexSalary.FlexSalary Customer Care Number+91-40-4617-5151+919908935151+919100038349CIN NumberCIN U65923TG2016PTC110767AddressUnit A, 9th Floor, MJR Magnifique, Survey No 75 & 76, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana – 500008. Is FlexSalary Safe? Yes. FlexSalary is fully legit and safe. The website is also safe to use as it is HTTPS-secured and SSL certified as well. However, regarding the customer service of the company, many borrowers of loans have complained. Despite that, as per our experience, we think the app works quite well and is legit. Furthermore, the company has a CIN number, and it is registered through the Reserve Bank of India. When Can Flex Salary Comes To Rescue? There are certain circumstances where flex salary comes to the rescue. You need to get through the possible solutions that can make things easier for you. You need to follow certain steps that can make things easier for you to attain your requirements with ease. 1. Don’t Have Collateral Flex salary will offer you unsecured lines of credit loans. You do not have to pledge to your assets if the collateral gets approved for your loan. You need to get through the complete process that can develop things in perfect order. 2. If Your CIBIL Score Is Low Flexsalary will not focus on your CIBIL score to provide you with the loan you need in times of crisis. If you have a low CIBIL score then you must go through the best flex salary options to meet your requirements with ease. 3. Need An Emergency Cash If you are facing a medical emergency and you need the loan on an immediate basis, then you must consider using Flex salary. You need to identify the perfect solution that can make things lucid for your business development. 4. Loan Is Rejected By Banks If you have low income, bad credit history, and banks have rejected your loans, then Flex salary can be the best option for you. Flex salary will offer you loans at times of crisis. You do not have to pay any kind of interest to get these loans. 5. Don’t Want To Pay Excess Interest If you are afraid of bearing the higher interest rates on your loan, then Flex interest loan amounts can be one of the best options for you. If you do not use money, you do not have to pay the interest. 6. If You Need A Loan For A Lifetime Flex salary personal line of credit you can receive for a lifetime. Your credit limit gets filled up once you pay back the withdrawn amount. It works almost like that of a credit card. You need to identify the perfect solution that can make things easier for you. Can You Get An Instant Personal Loan For Your Marriage From Flex Salary? Yes!! You can receive an instant personal loan for your marriage when you opt for the flex salary. If you have an urgent need for cash in order to meet your marriage-related expenses, then Flex salary can be of great help to you. You will get the help for money within a few hours. It can help you to get the desired amount of money for a personal loan when you need it the most from your endpoints. How To Do FlexSalary Login? – Steps To Follow The following are the steps through which you can apply for a loan through FlexSalary: Step 1: Visit their official website and click on "Apply for an Instant Loan." Step 2: You will get a form on the next page, which you will need to fill out and add information into. Add all the documents required to get a loan from the FlexSalary platform. Step 3: There are various verification processes available. You can either apply for Net Banking Verification or you can upload the documents on your own. Once you upload the documents, they will verify your credentials and will tell you what you are eligible for. Through the app, it is almost the same. All you need here is to download the app and register your account with it. FlexSalary – Eligibility Of The Loan Loan RequirementsEligibilityAge Of the Borrower22 to 60FlexSalary Credit ScoreDepends on the type of loan applied for.Type of EmploymentSalaried professionals only.Minimum Monthly Income₹ 8000 (However, it can change depending on the loan amount applied for)Work ExperienceWork experience requirements depend on loan terms and amounts. Required Documents1. Salaried Employees- Identity Proof (Aadhaar / Driving License / Passport / Voter ID) - PAN card - Address Proof (Driving License / Utility Bills / Aadhaar / Passport / Bank Statements / Voter ID) - Last three months Pay Slips - Photo with the applicant’s face clearly visible. (The applicant will be prompted to take a selfie or upload a photo while applying for a loan through the FlexSalary mobile app) - Net banking verification to validate the bank account and salary information of the applicant 2. Self-Employed Individuals- No loan is allowed for self-employed- The applicant must have an employment FlexSalary Reviews From Customers The following are some of the useful customer reviews regarding FlexSalary that you can benefit from: Syed Abrar: “I'm very happy much satisfied with the service Uma Maheshwari are very nice she was helped me through out the process I got the loan amount as soon as the documents were collected best app.” Manjeera Dhfm: “My credit limit was activated in 1day. But I was not able to withdraw amount,due to my account issue, then customer support team interacted with me continuously and solved the problem. Thank you team. They are well mannered employee's who have patience to listen the issue and resolve it quickly.” Selva Raj: “Last month urgently required some amount, one of my friend referred me Flexsalary and they had treat me as a friend and pay me the amount with very minimum documents. Thank you Flexsalary very fast, very effective good customer service really appreciate your overall performance.” Summing Up Hope this article was helpful for you in getting a better idea of the FlexSalary platform. If you are hoping to get a loan from this platform, you need to download the app and register your account. Furthermore, you need to upload all the necessary documents. They will verify and give you the loan within one to five days if you are eligible for it. Do you know of any better loan app, which is registered by the Reserve Bank of India, and offers instant personal loans? Share some of them with us in the comments section below. Explore More: The Amazon Store Card All You Need To Know About BNKU Stock: MicroSectors US Big Banks Index 3X Leveraged ETNs IPOE Stock – Present Price, Forecast, Statistics – Should You Invest In It In 2022?
Apr 28, 2023