Eligibility & Required Criteria
Dhan Lakshmi Finance offers personal loans to eligible individuals based on simple and transparent criteria. Review the requirements based on your profile before applying.
Salaried Individuals
- Age: Between 21 and 60 years
- Monthly Income: Minimum ₹20,000 (net in-hand)
- Employment Type: Registered private or public organization
- Work Experience: At least 1 year continuous employment
Self-Employed Professionals
- Age: 25 years and above
- Annual Income: ₹2.5 Lakhs and above
- Profession: Doctor, CA, Architect, Consultant, etc.
- Business Stability: Minimum 2 years stable income with valid ITR
Business Owners
- Age: 25 years and above
- Turnover: Minimum ₹5 Lakhs annually
- Business Type: Sole Proprietorship, Partnership, or Pvt Ltd
- Operational History: At least 3 years in current business
List of Required Documents
Please keep the following documents ready to ensure a smooth and quick application process with Dhan Lakshmi Finance.
Common for All Applicants
- Recent passport-size photograph
- Government-issued ID (Aadhaar / PAN / Passport)
- Address Proof (Utility Bill / Rent Agreement / Passport)
- Bank statement of last 6 months (PDF preferred)
Salaried Professionals
- Latest 3 months’ salary slips
- Form 16 or latest Income Tax Return (ITR)
- Employee ID card or Appointment Letter
Self-Employed & Business Owners
- ITR for last 2 financial years
- Valid Business Registration Certificate
- Latest Profit & Loss Statement or Balance Sheet
- GST Registration (if applicable)
What Our Customers Say About Dhan Lakshmi Loans
Thanks to Dhan Lakshmi Loans, I was able to secure funding quickly for expanding my shop. The process was smooth, transparent, and hassle-free.
I took an education loan for my kids from Dhan Lakshmi Loans. The team guided me at every step, and repayment options were very flexible.
Personal loan from Dhan Lakshmi was approved within 24 hours. The interest rates were competitive and the team was very supportive.
Dhan Lakshmi Loan Services helped me get business capital without any hidden charges. I highly recommend their transparent and fast service.
