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A transparent and customer-focused approach to helping you navigate the personal loan application process.
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 DHANVARSHA 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.
DHANVARSHA CAPITALWHY CHOOSE DHANVARSHA 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 DHANVARSHA CAPITAL Finance — Please review these terms before applying.
| Charge Type | Details |
|---|---|
| Interest Rate | 10.5% – 24% 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 DHANVARSHA 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 DHANVARSHA 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.
Contact us
Have a question before applying, or need help with an existing application? Reach out below.
+91 124 000 0000
Mon–Sat, 9:30 AM – 6:30 PM IST
loans@dhanvarshacapital.example
Response within one business day
Riverside Business Park,
Sector 9, Gurugram – 122001, India
If your query isn't resolved by our support team, escalate through the Grievance Redressal link in the footer.