Dhanlaxmi Bank Personal Loan

Disclaimer: Dhanlaxmi Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Dhanlaxmi Bank for personal loans. No offers/services from Dhanlaxmi Bank are being provided by Paisabazaar for personal loans. For further information about Dhanlaxmi Bank for personal loans, users are required to reach out directly to Dhanlaxmi Bank.

Note: Rates as of 19th November 2024

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Dhanlaxmi Bank Personal Loan Interest Rates

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Comparison Interest Rates of Dhanlaxmi Bank offered by Various Banks/NBFCs

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Dhanlaxmi Bank Personal Loan Processing Fees and Charges

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Eligibility Criteria for Dhanlaxmi Bank Personal Loan

• Age: Above 23 years
• Profession: Salaried applicants employed permanently with Central/State Government institution/a profit making organization/a reputed company, self-employed professionals and self-employed non-professionals working with a partnership firm/proprietorship business/private limited company
• Total Work Experience: For Salaried- 2 years and above

For Self-Employed Professionals- 3 years and above

For Self-Employed Non-Professionals- 5 years with 4 years in current business

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Documents Required for Dhanlaxmi Bank Personal Loan

• ID proof: PAN Card, Passport, Voters ID, Driving License, Employee ID issued by Public Sector Undertaking/Defense/Government/reputed MNCs/Public Limited Company only, Bank pass book, Practice certificate issued by professional bodies like ICAI/ICSI/ICWAI/ICFA
• Age Proof: Birth Certificate, School, Leaving Certificate, PAN card, LIC policy, Driving license, College certificate
• Residential Proof: Voter ID, driving license, Valid passport, Life insurance premium receipt of any insurer, latest telephone bills, piped gas connection bill, bank passbook or latest bank account statement, electricity bill, receipt of co-operative housing society, rent agreement with latest electricity bill

For Salaried:

• Salary account statement for 6 months along with 3 recent pay slips
• Form 16, appointment letter, Letter from HR authorized signatory
• Banker’s verification, PAN card, ID card for government employees, PAN card, driving license, registered sale deed copy with photo and signatures

For Self-Employed Professionals:

• Proof of Registered Office Address and Legal Existence Proof: VAT service tax registration certificate, SSI registration certificate, Shop and Establishment Certificate, Importer-Exporter Code Certificate, latest bank account statement in the name of the entity with complete address, Sales Tax Registration Certificate, Partnership deed or Registration Certificate for partnership firms, MOA/AOA along with Incorporation Certificate for companies
• Proof of Operating Address: Leave and License Agreement in the name of the entity, telephone bill/electricity bill in the name of the entity, PAN intimation letter, IT assessment order, acknowledged ITR of the entity and latest bank account statement in the name of the entity with complete address of the entity
• Signature Verification: ECS mandate, Clearance of initial payment cheque, banker’s verification, documents submitted by the entity at the time of opening the bank account

For Self-Employed Non-Professionals

• Bank statement for last 1 year
• ITR for last 2 years along with income computation, P&L Schedules and balance sheet
• Incorporate Certificate in case of proprietorship
• Qualification and professional certificate for professionals

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EMI Calculator

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Dhanlaxmi Bank Personal Loan Customer Care

In case you are facing issues regarding your personal loan with Dhanlaxmi Bank, you can contact them in the following ways:

• You can call on 048-7661-3000 (charges applicable)
• You can send an email to – customercare@dhanbank.co in with details of your issue
• You can visit the nearest branch of Dhanlaxmi Bank

You can visit the following regional head offices also to seek a redress/resolution of your issue:

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FAQs

1. Do I have to pay a processing fee for initiating Dhanlaxmi Bank personal loan?

Ans. Yes, a processing fee of up to 2.5% of the loan amount subject to a minimum of Rs. 1250 is charged for processing the personal loan application.

2. I am working as a teacher in a government school. Can I avail Dhanlaxmi Bank personal loan?

Ans. Yes, you can avail Dhanlaxmi Bank personal loan if you meet the eligibility criteria. The bank offers its loan to both salaried and self-employed individuals.

3. How do I calculate the EMI for Dhanlaxmi Bank personal loan?

Ans. You can calculate the EMI for Dhanlaxmi Bank personal loan using the online personal loan EMI calculator on our website. This can help you evaluate your repayment ability even before applying for the loan.

4. How do I repay Dhanlaxmi Bank personal loan?

Ans. You can pay the Dhanlaxmi Bank personal loan EMI offline through DD/cheque submitted at your nearby branch or online using the Internet Banking portal of Dhanlaxmi Bank.