Simple. Secure. Reliable.
Dhanjyoti Capital Finance provides transparent personal loan solutions with a simple application process and trusted customer support.
Fill in 3 simple steps · 100% Digital · No Branch Visit Needed
Personal loan applications are evaluated after verification of the information and documents submitted by the applicant. Approval, interest rate, loan amount and repayment terms are determined based on eligibility, credit assessment and applicable lending policies.
₹50,000 to ₹20,00,000*
Starting from 7.5% p.a. onwards. Final interest rate depends on the applicant's credit profile and eligibility.
6 months to 120 months*
Applicants must complete KYC verification and satisfy income, credit and internal eligibility requirements before loan approval.
The Annual Percentage Rate (APR) represents the overall borrowing cost and may include interest and applicable charges. Actual APR may vary depending on the approved loan terms.
Processing fees and other applicable charges, if any, will be disclosed to the applicant before loan acceptance.
Loan Amount : ₹1,00,000
Interest Rate : 7.5% p.a.
Loan Tenure : 24 Months
Estimated Monthly EMI : ₹4,499
Estimated Total Interest : ₹7,976
Estimated Total Repayment : ₹1,07,976
*The above values are indicative only. Actual EMI, interest payable and total repayment may vary depending on the final sanctioned loan amount, applicable interest rate, charges and loan terms.
We are committed to providing a transparent, secure and customer-focused lending experience. Every application is assessed responsibly, ensuring a fair evaluation based on eligibility and applicable lending criteria.
Personal loans starting from ₹50,000 up to ₹20,00,000, subject to eligibility, credit assessment and internal lending policies.
Submit your KYC, PAN, Aadhaar, income proof and supporting documents through a secure application process for verification.
Customer information and submitted documents are handled through secure systems designed to protect your personal information.
Applicable fees, interest rates and repayment terms are disclosed before loan acceptance, helping customers make informed decisions.
Choose repayment tenures ranging from 6 to 120 months, subject to the approved loan terms and eligibility.
Our support team assists customers throughout the application, verification and loan servicing process.
Loan approval is subject to applicant eligibility, documentation, credit assessment, internal verification and applicable terms & conditions. Interest rates, loan amount, repayment tenure and charges may vary based on the approved loan offer.
Annual interest starts from 7.5% p.a.. The final applicable interest rate is determined after evaluating the applicant's eligibility, credit profile and internal assessment.
Loan approval is subject to successful KYC verification, income validation, credit assessment and applicable lending criteria.
Annual Percentage Rate (APR) includes the applicable interest rate and other charges, wherever applicable. The final APR depends on the approved loan terms.
Loan tenure ranges from 6 months to 120 months, subject to the approved loan offer.
*Terms & Conditions Apply.
Loan Amount: ₹1,00,000
Interest Rate: 7.5% p.a.
Tenure: 24 Months
The EMI, total interest and total repayment shown by the EMI Calculator are estimates only. Actual repayment may vary based on the final sanctioned loan terms.
Estimate your monthly repayment amount by entering your loan amount, annual interest rate and repayment tenure. The result shown below is only an estimate.
Results are indicative only.
The EMI displayed by this calculator is an indicative estimate only and should not be considered as a loan offer or loan approval.
Loan approval is subject to applicant eligibility, successful KYC, income verification, credit assessment, internal risk evaluation and the applicable terms & conditions of Dhanjyoti Capital Finance Pvt. Ltd.
The final sanctioned loan amount, applicable interest rate, processing charges, repayment tenure, EMI and total repayment may vary from the estimate shown above.
Applicants are advised to carefully read all loan documents, Key Fact Statement (KFS), sanction letter and applicable terms before accepting any loan offer.
Loan products
Browse loan options for different financial needs with clear information and customer-focused assistance.
*The information displayed is intended for general guidance only. Final loan amount, interest rate, repayment tenure, applicable fees, and other terms are determined after evaluating the applicant's eligibility, credit profile, income, and supporting documents, in accordance with the policies of the respective lending institution. Submission of an application does not guarantee loan approval or any specific loan terms.
ABOUT DHANJYOTI CAPITAL
Our approach is built on transparency, responsive support, and a simplified process. We focus on helping applicants understand the requirements and available options while respecting the policies and eligibility criteria of the respective lending institution..
Trust is built through transparency, responsible guidance, and a commitment to helping every applicant make informed financial decisions.
DHANJYOTI CAPITALWHY CHOOSE DHANJYOTI CAPITAL
We're committed to making the loan application process simpler through clear communication, responsible guidance, and customer-focused support.
Understand the application process, required documents, and available loan options with clear and easy-to-follow information.
A straightforward application experience designed to help you submit your request with ease.
Our team is available to answer your questions and guide you throughout the application process.
Every application is handled with professionalism while following the policies and eligibility criteria of the respective lending institution.
How It Works
From submitting your application to receiving the lender's decision, every step is designed to keep the process clear, secure, and easy to follow.
Complete the online application by providing your basic details and the information required to begin the assessment process.
Upload the requested identity, address, income, or other supporting documents for verification, if applicable.
Your application is reviewed based on the lender's eligibility criteria, submitted documents, and applicable verification requirements.
If your application is approved by the respective lending institution, the final loan terms and disbursement will be communicated accordingly.
Plan before you apply
A real EMI calculation, eligibility criteria, the documents you'll need, and the full fee breakdown — all in one place, before you apply.
Standard reducing-balance EMI formula. Change any value to recalculate instantly.
This is a mathematical estimate only, based on the amount, rate and tenure you enter — it does not reflect any pre-approved offer. Formula: EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1], where P is principal, r is the monthly rate, and n is the number of months.
This checks your details against simple, visible criteria — it is not a CIBIL / credit bureau score and does not access any bureau data.
Exact document requirements vary by loan type and amount — this list covers what's most commonly asked for.
*All figures above are indicative ranges for illustration, not confirmed rates. Before signing any loan agreement, always ask for — and read — the lender's official Key Fact Statement (KFS), which is required by RBI regulation to disclose the exact interest rate, APR, all fees, and the total cost of the loan in a standard format. Verify the lender's RBI/NBFC registration independently before applying or sharing any documents.
Provided by DHANJYOTI CAPITAL Finance — Please review these terms before applying.
| 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 (17% 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 DHANJYOTI CAPITAL Finance. Please read the loan agreement carefully before proceeding.
Loan approval, interest rates, repayment tenure, applicable fees, and disbursement are subject to the eligibility criteria and policies of the respective lending institution.
Submission of an application does not guarantee loan approval. Final approval decisions are made solely by the respective lender based on their internal assessment and verification process.
We believe applicants should have access to clear information before submitting a loan application. Review the important points below to understand how the application and verification process works.
Understanding the application process helps you make informed financial decisions. Every application is assessed individually based on the information and documents submitted.
Loan eligibility is evaluated using your income, repayment capacity, credit profile and supporting documents.
Identity, address and income verification are required before any application can be processed.
Interest rates, repayment tenure and applicable charges are communicated before loan acceptance.
Each application is reviewed through internal credit and risk assessment before a lending decision is made.
Submitted documents are used only for verification and application processing in accordance with applicable requirements.
Submission of an application does not guarantee loan approval. Final decisions depend on internal policies and eligibility assessment.
Applications are reviewed only after the required information and documents are submitted.
The information provided on this website is intended to help applicants understand the loan application process. Eligibility, loan amount, interest rate, repayment tenure and applicable charges are determined after document verification, credit assessment and internal lending policies. Submission of an application does not guarantee loan approval.
Applicants are encouraged to review all applicable terms and conditions carefully before accepting any loan offer.
Features
Every step is focused on clarity, transparency, and customer support throughout the application process.
Clear details about the application process, eligibility, and required documents to help you make informed decisions.
A straightforward online application designed to make submitting your information convenient and easy.
Documents submitted during the application process are handled responsibly and used only for verification purposes.
Complete the application and share the required documents digitally, wherever applicable.
Our team is available to assist you with questions related to the application process and required documentation.
We help applicants understand the process while loan eligibility, approval, and final terms remain subject to the respective lending institution.
Benefits
Our focus is on providing a clear application experience, responsive assistance, and transparent communication throughout the process.
Important information about the application process and required documents is shared in a simple and easy-to-understand manner.
Our team is available to assist applicants with questions related to the application process and documentation.
Where applicable, applicants can submit information and supporting documents through a convenient digital process.
Your submitted information is handled with care and used only for the purpose of processing your application.
Application review, eligibility, and loan terms are communicated in accordance with the policies of the respective lending institution.
We strive to provide a professional, respectful, and supportive experience at every stage of your application journey.
Why Choose DHANJYOTI CAPITAL
We believe every applicant deserves transparent information, responsible guidance, and professional support throughout the application journey.
Most applicants receive a preliminary response within one business day of submitting a complete application. Final approval, after document verification, typically takes an additional 1–3 business days depending on the loan type and amount.
The basic eligibility check on this page runs entirely on the numbers you type in — it does not access any credit bureau and has no effect on your credit score. A credit bureau check only happens once you submit a full application.
Yes. Part-prepayment is allowed on all loan products. Most loans carry no foreclosure charge after 12 EMIs have been paid — see the fee disclosure table above for the exact terms on your loan type.
Late payment charges apply, typically 1%–2% per month on the overdue amount. If you know in advance that you'll miss a payment, contact your relationship manager — restructuring options may be available depending on your situation.
Not for most loan types. Education loans for students typically require a co-applicant, usually a parent or guardian, whose income is also considered during assessment.
Always check a lender's RBI or NBFC registration independently through the RBI's official website before sharing documents or making any payment. Never pay a "processing fee" upfront through an unverified channel.
Dhanjyoti Capital Finance Pvt. Ltd.
CIN: U67120MH1994PLC076468
Established in
2017,
headquartered in
Mumbai, Maharashtra.
We are a registered
Non-Banking Financial Company (NBFC)
licensed and regulated by the
Reserve Bank of India (RBI).
Our mission is to provide responsible and transparent lending solutions tailored to the financial needs of individuals and businesses. We are committed to ethical lending practices, full regulatory compliance, and exceptional customer service.
