Dhani Finance Loan

Get Dhani Finance Loan In-principle Approval in 59 Minutes. From anywhere, anytime without vising Bank Branch

A Dhani Finance Loan is being provided under the Dhani Finance Instant to the non-corporate and non-farming small and micro enterprises/ businesses. Loans upto INR 10 Lacs can be availed under the Dhani Finance scheme. Micro Units Development and RFinance Agency Limited (Dhani Finance) is an NBFC supporting the development of small business owners in India.

The Dhani Finance loans are to be provided for income generating small business activities across manufacturing, processing, services or trading sectors and would cover all Individuals/ Proprietary Concerns/ Partnership Firms/ Private Limited Companies/ Entities of any other legal forms running as shopkeepers, artisans, self-help groups, manufacturing units, hawkers, professionals, service providers, etc.

The Dhani Finance Instant can be extended under 3 categories as mentioned below:

Shishu : Offers loans upto INR 50,000.

Kishore : Offers loans above INR 50,000 and upto INR 5 Lacs.

Tarun : Offers loans above INR 5 Lacs and upto INR 10 Lacs.

Dhani Finance Loan Eligibility

Dhani Finance loan can be availed by the following entities:

Applicants with minimum age of 18 years and maximum 65 years
Business owners
Shopkeepers
Small Industrialists and Manufacturers
Individuals involved with Agricultural activities
Startup entrepreneurs

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What are the products under Dhani Finance Loan?

The Dhani Finance Loan scheme offers 3 products to eligible entities, namely Shishu, Kishore, and Tarun. The details of these three products are explained here.

Shishu Loan

Shishu loans under the Dhani Finance scheme allow entrepreneurs on the threshold of starting a business to borrow up to Rs. 50,000. The following details need to be furnished to avail this loan.

Quotation of machinery and other items that need to be purchased
Details of plant and machinery purchased
Details of the supplier providing the plant and machinery

Kishore Loan

Kishore loans range from Rs. 50,001 to Rs. 5,00,000. They’re ideal for businesspersons who require additional funds for expanding their trade. Here’s a checklist of details and documents needed.

Balance sheet of the business pertaining to the two previous financial years
Income tax and sales tax returns
Bank account statements for the previous 6 months
Estimated balance sheet for the next 1 year or for the duration of the loan sought
Memorandum of association and articles of association, if applicable
Sales made in the current financial year before applying for the Dhani Finance loan
A report exploring the technical and economic sustainability of the applicant’s business

Tarun Loan

Tarun loans under the Dhani Finance Loan scheme range from Rs. 5,00,001 to Rs 10,00,000. Business owners who wish to avail a Tarun loan need to furnish these documents, in addition to the details required for applying to Kishore loans.

Proof of address
Proof of identity
Certificate of SC, ST, OBC, as applicable

With the Dhani Finance Loan scheme, you can borrow up to Rs. 10 lakhs. If your business is in need of more capital or funds, or if you don’t qualify to borrow under the Dhani Finance Loan scheme, you could always avail a business loan on Finserv MARKETS. On Finserv MARKETS, you can apply for loans as high as Rs. 30 lakhs without the need to provide any collateral. The process from application to disbursal is also quick and easy, since there’s minimal documentation involved.

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A SMART, EASY & FAST PROCESS

In a few steps of Online Application Process and a business can have Dhani Finance loan In-principle approval from Preferred Bank.

GST Identification Number

Bank statement for last six months in pdf format

Director/Owners details: basic, personal, educational & ownership details

Inprinciple approval in 59 minutes

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What is the interest rate for Dhani Finance loan?

There are several banks in the public sector as well as the private sector offering Dhani Finance loans. Here are some of the top lenders and their Dhani Finance loan offerings:

Bank	Interest Rate	Tenure
State Bank of India	11.25%%	Up to 5 years
Syndicate Bank	8.60% - 9.85%	Based on the bank’s terms
Bank of India	10.70% onwards	36 - 84 months
Andhra Bank	8.40% to 10.35%	36 months onwards
Tamilnad Mercantile Bank	9.90% - 12.45%	Up to 84 months

Documents Required

Type of loan	Documentation
Vehicle Loans	Dhani Finance application form Loan application form Income proof 2 passport-size colour photographs Photo Identity proof Address proof Bank statement for the last 6 months
Business Instalment Loan	Dhani Finance application form Address proof 2 years’ ITR CA certified financials Photo identity proof Bank statement for the last 6 months BIL application form Proof of qualification Establishment proof Ownership proof of residence or office Proof of business continuity Trade references
Business Loans Group and Rural Business Credit	Dhani Finance application form BIL application form Income tax return for the last 2 years Photo identity proof and age proof Address proof Bank statement for the last 12 months Business vintage proof Ownership proof of residence or office

List of activities which cover Dhani Finance loans

The Dhani Finance Loan scheme offers 3 products to eligible entities, namely Shishu, Kishore, and Tarun. The details of these three products are explained here.

Community, Personal Service and Social Activities
The activities/businesses for which Dhani Finance loans can be availed under this head include medical shops, boutiques, saloons, gymnasiums, dry cleaning, beauty parlours, motorcycle repair shops, tailoring shops, courier services, photocopying and DTP facilities, etc.

Transport Vehicle
Dhani Finance offers financing for buying transport vehicles for goods as well as personal transport like auto rickshaws, three-wheelers, passenger cars, e-rickshaws, taxis, etc.
Food Products Sector
Under the Food Products Sector, Dhani Finance loans can be availed for activities like achaar making, papad making, jelly or jam making, day-to-day catering, small service food stalls, cold storages, ice cream making units, cold chain vehicles, bun and bread making, etc.
Business Loans for Shopkeepers and Traders
Dhani Finance loans under this head can be availed by individuals who require financing for running their shops, service enterprises, business and trading activities, and non-farm activities that generate income.
Textile Products Sector
MURDA loans under this head are available for activities such as powerloom, handloom, chikan/zardozi work, khadi activity, traditional printing and dyeing, knitting, computerised embroidery, apparel design, other textile activities for non-garment products, etc.
Agriculture and Allied Activities
Dhani Finance loans can also be availed for bee keeping, pisciculture, livestock, sorting, agriclinics, dishery, etc.

Equipment Finance Scheme for Micro Units
Dhani Finance loans are extended for the setting up of micro enterprises by buying the necessary equipment/machinery.

Funding Support under Dhani Finance Loan

Dhani Finance offers four types of funding support:

Micro Credit Scheme
- Loans can be availed to the extent of Rs.1 lakh. The funds can be used for a variety of micro enterprise activities.
- Targeted primarily at groups such as Joint Liability Groups (JLGs) and Self Help Groups (SHGs).
- Any Micro Finance Institution (MFI) that wishes to avail a loan should enrol with Dhani Finance and comply with its requirements.
Women Enterprise Programme
- Additional facilities are offered to women entrepreneurs to encourage them to follow their dreams.
- Facilities include the reduction of interest on loans. Currently, Dhani Finance loans can be availed by Micro Finance Institutions (MFIs) or Non Banking Financial Companies (NBFCs) with a discount of 25 basis points or 0.25% on the interest rates, provided they offer loans to women.
RFinance Scheme for Regional Rural Banks/Commercial Banks/Scheduled Co-operative Banks
- Various banks such as Scheduled Co-operative Banks, Regional Rural Banks, and Commercial Banks can avail rFinance.
- RFinance amount offered can go up to Rs.10 lakh per unit, and the funds can be availed as working capital loans or term loans. This is applicable to banks that have taken loans under the Tarun, Kishor, and Shishu categories.
Securitisation of loan portfolio
- Dhani Finance extends support to NBFCs, MFIs, and banks to fund micro enterprises through participation in securitisation of their loan assets.

Benefits of Taking Dhani Finance Loan

Here are the key features and benefits of Dhani Finance loan:

Banking and financial services can be availed in both rural and urban areas.
Financial backing can be obtained by micro-small businesses and start-ups.
Business loans can be taken for small amounts at affordable interest rates.
The borrower’s credit guarantee is taken by the government, so if a borrower is unable to repay the amount borrowed, the responsibility for the loss will be borne by the government.
Food vendors, shopkeepers and other small business owners can make the most of this scheme.
Financial aid is available through this scheme in areas where people have no access to basic banking facilities.
The repayment period of the scheme can extend up to seven years.
Women borrowers can avail the loan at discounted interest rates.
RFinance schemes can also be availed with designated lenders.
Individuals who wish to generate income through micro enterprise activities can avail the Micro Credit Scheme.
The Dhani Finance loan scheme is in collaboration with the “Make In India” campaign which the government has initiated to foster innovation, facilitate investment, improve skill development, and build the best manufacturing infrastructure in the country.
There is no need for collateral or security to avail this scheme.
The funds borrowed through this scheme can only be used for business purposes.

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