About Dhanjyoti Capital

Who we are

Dhanjyoti Capital helps people find the right personal loan for a specific purpose — a wedding, a medical bill, a home repair, further study, a vehicle, or working capital for a small business — instead of pushing a single one-size-fits-all product. Every loan type on this site shows its own indicative interest rate, amount and tenure range upfront, so you can compare purposes and plan before committing to anything.

What we believe

Most complaints about personal loans come down to the same thing: a fee, a charge or a condition the borrower didn't know about until it was too late to change their mind. We think that's avoidable. So the site is built around a simple sequence — see the loan types, understand the eligibility criteria, estimate your EMI, know the documents you'll need, and read the full fee disclosure — all before you submit an application.

How we work

• Transparent by default. Interest rates, processing fees, foreclosure charges and late-payment charges are shown as ranges, with a clear note that final terms depend on credit assessment — never a single "guaranteed" number.
• No CIBIL score gimmicks. Our eligibility check is a simple rules-based tool (age, income, employment, existing EMIs) — it plainly tells you it is not a credit bureau pull, because a real bureau score can only come from an actual bureau, with your consent.
• Documents, explained in advance. You'll know exactly what to prepare — ID proof, address proof, income proof — before you're asked to upload anything.

Get in touch