Loan Ka Bharosa? Sirf Dhanjyoti!
Get Personal Loan up to ₹20 Lakh
Dhanjyoti Capital offers personal loans from ₹50,000 to ₹20,00,000 with annual interest rates ranging from 8.5% to 15%* p.a. Enjoy a secure and fully digital loan experience with flexible EMIs and minimal documentation. Apply online with confidence from Dhanjyoti Capital . Terms and conditions apply.
What We Do
How Dhanjyoti Makes Borrowing Safe & Simple
Step 1: Application Received
Step 2: Document Verification
Step 3: Decision Under Review
Personal Loan for Salaried Employees
Personal Loan for Self-Employed Individuals
About Dhanjyoti Capital
We Have The Most Users All Over The World.
550k+
Happy Customers
160K+
Loan Success
Our Services
Every Step, Every Need — Dhanjyoti is With You
Medical Emergency Loan
Unexpected medical expenses? Dhanjyoti Capital offers personal loans from ₹1 Lakh to ₹10 Lakhs to help you manage treatment costs with ease and dignity. Apply online with minimal hassle.
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Home Renovation Loan
Upgrade your living space with a personal loan from Dhanjyoti Capital . Borrow between ₹1.5 Lakhs to ₹15 Lakhs for repairs, interiors, or improvements — all through a secure digital process.
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Education Support Loan
From coaching classes to higher education needs, Dhanjyoti Capital provides personal loans ranging from ₹50,000 to ₹5 Lakhs. Invest in learning, with confidence and clarity.
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Travel & Holiday Loan
Plan your next getaway stress-free. Dhanjyoti Capital offers travel loans from ₹50,000 to ₹3 Lakhs to help you cover flights, hotels, and more — all with flexible repayment options.
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Wedding Expense Loan
Celebrate life’s biggest moments without financial worry. With Dhanjyoti Capital , borrow ₹1 Lakh to ₹10 Lakhs for wedding expenses — all with complete transparency and no hidden fees.
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Debt Consolidation Loan
Multiple EMIs wearing you down? Dhanjyoti Capital offers consolidation loans from ₹1 Lakh to ₹7 Lakhs — manage all your obligations with a single, simplified repayment plan.
More Easy Loans. Trusted Process. Real Support.
Digital & Easy
We offers a fully digital loan experience with a user-friendly interface. Apply online from anywhere, anytime — no branch visits needed.
Reliable Support
From application to disbursal, our dedicated team is here to guide you through every step. Have a question? We’re just a message away.
Secure & Transparent
We follow RBI-compliant practices to keep your personal and financial information safe. All terms, rates, and fees are clearly explained.
Eligibility & Required Criteria
Dhanjyoti Capital 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: Must be working with a registered private or public organization
Work Experience: At least 1 year of 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 of stable income and 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 Dhanjyoti Capital .
| Category | Documents Required |
|---|---|
| Common for All Applicants |
|
| Salaried Professionals |
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| Self-Employed & Business Owners |
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Personal Loan Disclosure – Dhanjyoti Capital
Interest Rate:
Annual interest starts at 8.5% p.a. and can go up to 16% p.a. based on credit profile.
Eligibility:
Loan approval requires full KYC and income validation.
APR Details:
Valid from 01 Jan 2024 – 31 Dec 2025
➤ Min APR: 8.5%
➤ Max APR: 16%
Includes interest, processing fee, and standard loan costs.
Repayment Terms:
Tenure: 12 to 120 months
*T&C Apply
Representative Example:
₹1,00,000 loan at 8.5% p.a. for 24 months:
EMI ≈ ₹4,543/month
Interest ≈ ₹8,242
Total Repayment ≈ ₹1,08,242
Why Choose Dhanjyoti Capital ?
- ✅ Loan Range: ₹50,000 – ₹20,00,000
- ✅ Interest Range: 8.5% – 16% p.a.
- ✅ Tenure: 12 months to 10 years
- ✅ Processing Fee: 2% of loan
- ✅ EMI Bounce: ₹590 per bounce
- ✅ No Pre-Closure Charges
- ✅ Transparent APR Disclosures
- ✅ 100% Digital & Paperless
- ✅ Trusted NBFC since 2017 (Navi Mumbai)
EMI Calculator
Total Interest
₹0
Total Repayment
₹0
Live Updates on Your Loan Application
Track Your Loan Application Status
Track your application progress effortlessly with our secure Loan Application Tracker. From submission to final decision, get real-time updates through your account dashboard — anytime, with complete transparency
Visit the Login Page
Visit our homepage and click on the “Login” button to access the secure customer portal.
Login with Registered Mobile Number
Enter registered mobile number with us and click "Log In" to continue
Go to Dashboard to Check Status
After logging in, go to the Dashboard to track your loan application status in real-time
Grievance Redressal
At Dhanjyoti Capital Finance, a registered Non-Banking Financial Company (NBFC), we operate strictly in accordance with the guidelines laid down by the Reserve Bank of India (RBI). We are committed to responsible, ethical lending practices that prioritize customer protection and financial transparency.
In full compliance with RBI regulations, we have established a strong and transparent Grievance Redressal Mechanism to ensure that customer concerns are addressed promptly and fairly. Our standard resolution timeframe is within 5 working days, as mandated by RBI norms.
Your trust is important to us. If you have any complaints, queries, or feedback, we encourage you to contact our support team. At Dhanjyoti Capital Finance, your satisfaction and financial well-being are our top priorities.
ISO 2101:2025 Certified
We strictly follow RBI regulations and uphold ethical lending practices to protect and empower our customers. In accordance with RBI directives, we have established a dedicated Grievance Redressal Mechanism that ensures fair, transparent, and time-bound resolution of complaints.
Get in Touch
- Email: info@dhanjyoticapital.in
- Helpline: 1800 843 9410
- 10th Floor, IFCI Tower 61, Nehru Place New Delhi. New Delhi 110065