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Personal Loan Assistance
Home Loan Guidance
Business Loan Support
Loan EMI Planning
Secure Loan Consultation
Trusted Financial Guidance You Can Rely On
Since 2018, Dhan Lakshmi Finance Pvt. Ltd. has been dedicated to providing clear, honest, and responsible financial guidance to individuals and families across Delhi. We focus on understanding your needs and helping you choose solutions that are safe, transparent, and aligned with your goals.
Reliable support for every financial decision
Guidance built on clarity, honesty & trust
“Financial guidance should bring peace, not pressure.”
“Every decision becomes stronger with clarity and trust.”
With years of experience and a client-first mindset, we offer transparent advice and dependable support—ensuring every step you take is informed, secure, and stress-free. At Dhan Lakshmi Finance Pvt. Ltd., your trust is our most valued commitment.
Know MoreKnow Before You Apply
- Loan amount depends on your credit profile & income documents.
- Full KYC and income verification is mandatory.
- All loans subject to internal risk and eligibility checks.
- Transparent charges & no hidden fees.
- Loan approval is not guaranteed — it is based on creditworthiness.
- We strictly follow RBI regulations & fair lending practices.
- Data privacy ensured under RBI & data protection rules.
Note: Eligibility is indicative and does not guarantee approval. Final decision rests with Dhan Lakshmi Finance Pvt. Ltd. as per internal policies.
Reliable Financial Solutions for Everyone
We understand that financial needs don’t wait. Our process is Easy, simple, and fully transparent from start to finish — no hidden steps, no unnecessary paperwork.
Loans Processed Safely
On-Time Approvals
At Dhan Lakshmi Finance Pvt. Ltd., clarity comes first. Every fee, step, and document is explained upfront — no misleading promises, no hidden charges, only clear and responsible financial solutions.
Hidden Charges
Verified Documentation
Every customer’s financial need is unique, and so is our approach. Our Delhi-based advisors help you choose the right plan, ensuring a safe and stress-free borrowing experience tailored to you.
Clients Guided
Support Team
From personal loans to advisory services, our commitment is honest, dependable, and responsible service. We build long-term customer relationships based on trust and consistent support.
Years of Service
Customer Satisfaction
Our Loan Services
Personal Loan
Flexible loans for personal needs with competitive interest rates and transparent terms.
Home Loan
Support to own your dream home with easy EMI options and minimal documentation.
Business Loan
Financial assistance to grow your business with tailored repayment plans.
Car Loan
Affordable loans for new or used cars with Easy approval and low interest.
Education Loan
Invest in your or your child's education with hassle-free financing.
Gold Loan
Easy credit against gold assets21 with safe and secure processing.
Consumer Durable Loan
Buy electronics or household items with easy monthly installments.
Medical Loan
Cover urgent medical expenses with Easy and reliable financing.
Travel Loan
Finance your vacations or travel plans with flexible repayment options.
Agricultural Loan
Support for farmers to invest in crops, equipment, and farm-related needs.
Calculate Your Loan EMI
Get transparent EMI details Easyly. No hidden charges, zero misleadings.
Monthly EMI: ₹0.00
EMI
₹0.00Total Interest
₹0.00Personal Loan Disclosure
Provided by Dhan Lakshmi Finance Pvt. Ltd. — Please review these terms before applying.
Loan Overview
- Loan Amount: ₹50,000 – ₹20,00,000
- Interest Rate: 7.5% – 17% p.a. (based on credit profile)
- Tenure: 12 to 120 months
- Disbursal Mode: Direct credit to verified bank account
Fees & Charges
| Charge Type | Details |
|---|---|
| Interest Rate | 7.5% – 17% per annum (reducing balance) |
| Processing Fee | Up to 2% of loan amount + 18% GST |
| Documentation Charges | Up to ₹500 (if applicable) |
| Stamp Duty / Agreement Charges | As per state laws (deducted upfront) |
| EMI Bounce Charges | ₹590 per bounce + applicable taxes |
| Mandate Rejection Charges | ₹250 per instance |
| Late Payment Charges | 2% per month on overdue EMI (24% p.a. max) |
| Prepayment / Foreclosure Charges | 0% after lock-in; else up to 4% + GST |
| Loan Cancellation Charges | ₹1,000 + taxes (if cancelled after disbursal) |
| Part-payment Charges | Up to 2% on amount paid (if allowed) |
| Loan Rescheduling Charges | ₹500 – ₹2,000 + applicable GST |
| NOC / Foreclosure Certificate | Free (soft copy); physical copy ₹200 + courier |
| Duplicate Statement Charges | ₹200 per request (physical copy) |
Disclaimer: Interest rates, fees, and charges mentioned are indicative and may vary as per individual profile and internal assessment by Dhan Lakshmi Finance Pvt. Ltd.. Please read the loan agreement carefully before proceeding.
How Dhan Lakshmi Finance Pvt. Ltd. Provides Easy & Trusted Loans
At Dhan Lakshmi Finance Pvt. Ltd., we ensure a transparent, Easy, and secure loan process. No hidden charges, zero mis-selling, fully trustworthy for all your personal and business needs.
Learn More
Simple Loan Application
Dhan Lakshmi Finance Pvt. Ltd. allows you to fill an easy online application with all required details, ensuring Easy approval without confusion.
Easy Document Verification
Dhan Lakshmi Finance Pvt. Ltd. verifies your documents securely and transparently, so you don’t have to worry about hidden procedures.
Easy Loan Approval
Once your application and documents are verified, Dhan Lakshmi Finance Pvt. Ltd. approves your loan Easyly without unnecessary delays.
Easy Funds Disbursal
Dhan Lakshmi Finance Pvt. Ltd. ensures that your approved loan amount is transferred safely to your account Easyly, ready to use for your needs.
Eligibility & Required Criteria
Dhan Lakshmi Finance Pvt. Ltd. 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 Easy application process with Dhanjyoti 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)
Apply for Your Loan in 4 Easy Steps
Fill Online Application
Complete a simple and secure online form with your personal and financial details.
Upload Documents
Submit KYC, income proof, and other required documents for verification.
Verification & Approval
Our team reviews your application and documents Easyly to ensure smooth processing.
Receive Funds
Once approved, the loan amount is disbursed directly to your verified bank account.
Loan Questions & Answers
We offer personal loans, home loans, education loans, business loans, car loans, gold loans, and more with transparent terms and flexible EMIs.
Minimum loan starts from ₹50,000 and maximum goes up to ₹20,00,000 depending on your eligibility.
Eligibility is based on age, income, employment type, credit score, and repayment capacity. You can check online or contact our support.
Common documents include ID proof, address proof, bank statements, and income proof. Specific documents may vary based on loan type.
Typically, loans are approved within 24–48 hours after submission of all required documents and verification.
Yes, Dhan Lakshmi Finance Pvt. Ltd. allows prepayment and foreclosure of loans. Charges, if any, are clearly mentioned in the agreement.
No. All processing fees, interest rates, and charges are transparent and disclosed upfront.
What People Say About Dhan Lakshmi Finance Pvt. Ltd.
I availed a business loan from Dhan Lakshmi Finance Pvt. Ltd. and the process was smooth and transparent. Their team guided me step by step. Highly recommended!
I applied for a personal loan and got approval within 24 hours. Dhan Lakshmi Finance Pvt. Ltd. made the whole process hassle-free and transparent.
Excellent service! I needed a Easy loan for my consultancy work and the team ensured all documentation was simple and Easy.
Dhan Lakshmi Finance Pvt. Ltd. helped me with a home loan Easyly and the interest rates were very reasonable. Very happy with the service!
I got a car loan within 2 days. Transparent process, no hidden charges, and excellent customer support!
