Dhandani
Bharat Ka Apna Credit Saathi
A financial aggregation service that connects individuals and enterprises with multiple banks and NBFCs through a single, trusted channel, simplifying access to credit across secured and unsecured categories.
Explore SolutionsWhy Dhandani
India's consent-based open finance rails are scaling rapidly. The Account Aggregator ecosystem has facilitated over ₹1.6 lakh crore in loans in FY25 across 1.89 crore loan accounts, with more than 11 crore users linking financial accounts to share data securely.
Dhandani acts as a one-stop interface that aggregates lender options, streamlines comparisons, and routes applications through established partnerships with banks and NBFCs. Built on tech-enabled platforms, we reduce paperwork, cut turnaround time, and improve visibility from application to disbursal.
Designed for real India, we prioritize reach and reliability in emerging cities while aligning solutions to practical needs and timelines. The emphasis is on clarity, speed, and outcomes—so clients spend less time navigating processes and more time building what matters.
Secured Credit Solutions
Home Loans
Finance purchase, construction, or renovation with lender-aligned tenure and documentation support.
Loan Against Property
Unlock capital against residential or commercial property for business or personal needs.
Business Loans with Collateral
Raise funds against machinery, inventory, or fixed assets to scale operations.
Gold Loans
Quick, short-tenor liquidity against gold ornaments as per partner policies.
Vehicle Loans
Finance cars and commercial vehicles with the vehicle as collateral.
Unsecured Credit Options
Personal Loans
Quick disbursal for medical, weddings, travel, or consolidation based on creditworthiness.
MSME/Business Loans
Working capital and growth spends without collateral for eligible enterprises.
Education Loans
Support higher studies in India or abroad with lender-specific eligibility.
Credit Lines & Cards
Revolving facilities to manage cash flow, subject to partner terms.
Built for Bharat
Dhandani's model is engineered for Tier 3 and Tier 4 India, connecting local demand to national-scale financial infrastructure. A pan-India footprint across states and cities enables last-mile execution, response, and service continuity.
BFSI is a core vertical, strengthening collaboration with lenders and ensuring delivery at scale.
Pan-India Presence
Nationwide footprint across states and emerging cities
Tier 3 & 4 Focus
Last-mile execution in underserved markets
BFSI Expertise
Core vertical with deep lender collaboration
Why Choose Dhandani
Multiple Options Under One Roof
Trusted partnerships with banks and NBFCs, cutting effort and duplication
Client-Centric Process Design
Transparent workflows, guided support, and responsible execution
Tech-Enabled Scale
Backed by Dhandani's brand, industry depth, and enterprise-grade operations
Growth-Focused Outcomes
Enable households and businesses to invest, expand, and build resilience
Strong Focus on Emerging Cities
Gig-enabled last-mile outreach and BFSI execution capabilities
RBI Aligned & Consent First
Dhandani operates within formal BFSI rails and India's consent-based open finance framework, regulated by the RBI for secure data sharing.
The approach aligns with India's financial inclusion strategy that emphasizes responsible expansion of access with quality outcomes.
Connect with Us Today
Dhandani partners with leading banks and NBFCs to make structured financing accessible, practical, and timely for individuals and enterprises. With nationwide delivery and a proven track record in BFSI and allied sectors, Dhandani brings the scale, governance, and technology to turn intent into action.
Apply for a Loan
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Home Loans
Finance your dream home with competitive rates and flexible repayment options tailored to your needs.
Apply NowHome Loan Features
🎯 Loan Amount
Up to ₹10 Crores or 80% of property value
⏱️ Tenure
Up to 30 years flexible repayment period
📊 Interest Rates
Starting from 8.5% p.a. onwards
💰 Processing Fee
Competitive rates with special offers
Eligibility Criteria
- ✓ Age: 21 to 65 years
- ✓ Income: Minimum ₹25,000 per month for salaried
- ✓ Credit Score: 650 and above preferred
- ✓ Employment: Salaried or self-employed with stable income
Required Documents
Identity Proof
- • Aadhaar Card
- • PAN Card
- • Passport
- • Voter ID
Income Proof
- • Last 6 months salary slips
- • Bank statements
- • ITR for last 2 years
- • Form 16
Property Documents
- • Sale agreement
- • Property title documents
- • NOC from builder
- • Approved building plan
Other Documents
- • Passport size photographs
- • Address proof
- • Employment proof
- • Property valuation report
Loan Against Property
Unlock the value of your property to fund business expansion, education, medical needs, or any other financial requirement.
Apply NowLoan Against Property Features
🎯 Loan Amount
Up to 70% of property market value
⏱️ Tenure
Up to 15 years flexible repayment
📊 Interest Rates
Starting from 9.5% p.a. onwards
🏠 Property Type
Residential, commercial, or industrial
Key Benefits
- ✓ Higher loan amounts compared to unsecured loans
- ✓ Lower interest rates due to collateral
- ✓ Flexible end-use - business, education, medical, wedding, etc.
- ✓ Tax benefits available under Section 80C and 24(b)
- ✓ Continue living in your property while using it as collateral
Eligibility Criteria
For Salaried
- • Age: 23 to 65 years
- • Minimum income: ₹30,000/month
- • Work experience: 2+ years
- • Credit score: 700+
For Self-Employed
- • Age: 25 to 70 years
- • Business vintage: 3+ years
- • Annual turnover: ₹5 lakhs+
- • Credit score: 700+
Business Loans with Collateral
Scale your business with secured business loans backed by machinery, inventory, or other business assets.
Apply NowBusiness Loan Features
🎯 Loan Amount
₹5 Lakhs to ₹50 Crores
⏱️ Tenure
Up to 10 years repayment period
📊 Interest Rates
Starting from 10% p.a. onwards
⚡ Approval Time
Quick processing in 7-10 days
Acceptable Collateral
Machinery
Manufacturing equipment, CNC machines, generators
Inventory
Raw materials, finished goods, stock
Business Property
Office space, warehouses, commercial property
Use of Funds
- ✓ Business expansion
- ✓ Working capital requirements
- ✓ Purchase of machinery/equipment
- ✓ Inventory procurement
- ✓ Office/warehouse setup
- ✓ Debt consolidation
Gold Loans
Get instant liquidity against your gold ornaments with minimal documentation and quick disbursal.
Apply NowGold Loan Features
🎯 Loan Amount
Up to 75% of gold value
⏱️ Tenure
3 months to 3 years
📊 Interest Rates
Starting from 7% p.a. onwards
⚡ Disbursal
Same day approval & disbursal
Why Choose Gold Loan?
- ✓ Instant Processing: Get money within hours
- ✓ Minimal Documentation: Just bring your gold and ID proof
- ✓ No Credit Score Check: Bad credit history? No problem!
- ✓ Secure Storage: Your gold is insured and safely stored
- ✓ Flexible Repayment: Pay interest monthly or at maturity
- ✓ No End-Use Restriction: Use funds for any purpose
Acceptable Gold Items
Jewelry
Gold Coins
Ornaments
Gold Bars
Gold purity: 18 to 24 karat accepted
Vehicle Loans
Finance your dream car or commercial vehicle with competitive rates and flexible EMI options.
Apply NowVehicle Loan Features
🎯 Loan Amount
Up to 90% of vehicle on-road price
⏱️ Tenure
Up to 7 years for cars, 5 years for bikes
📊 Interest Rates
Starting from 8.5% p.a. onwards
💰 Down Payment
As low as 10% of vehicle value
Types of Vehicles Financed
🚗 Personal Vehicles
- • New cars (all makes and models)
- • Used cars (up to 5 years old)
- • Two-wheelers and scooters
- • Electric vehicles (EVs)
🚛 Commercial Vehicles
- • Trucks and lorries
- • Pickup vans
- • Taxis and cabs
- • Auto-rickshaws
Eligibility Criteria
- ✓ Age: 21 to 65 years
- ✓ Income: Minimum ₹20,000 per month for salaried
- ✓ Employment: Salaried, self-employed, or business owner
- ✓ Credit Score: 650 and above
- ✓ Valid driving license required
Additional Benefits
Minimal Paperwork
Quick digital documentation
Quick Approval
Get approved in 48 hours
Free Insurance
Complimentary vehicle insurance