dhani is a one-stop shop for all your healthcare & financial needs. You can get yourself an instant doctor consultation, medicines, instant loans, Demat / trading/stockbroking accounts, or just manage all your bill payments, travel bookings, shopping with the dhani Wallet or Card. You can get loans ranging from ₹2,500 to ₹ 1 lakh @ 0% Interest Rate, payable in 3 months, and available in extremely affordable subscription plans from ₹ 125 to ₹ 1,500.
Introducing dhani One Freedom: One card with two benefits - get Zero% Interest Credit Lines up to ₹1,00,000 instantly and up to 50% discount on medicines with free doctor consultations. Use your Zero% credit line across all online & offline merchants and payback in 3 easy interest-free EMIs.
You can also enjoy free games on the dhani App and win money daily! Play free games, refer friends and family and earn dhani Cash. Use this cash for your EMI Payments or to avail cashback across all dhani products and offerings!
The perfect app for everyday needs!
One Freedom - dhani One Freedom is an exciting new offering that brings you complete freedom from interest rates & health worries. Now avail credit lines (loans) up to Rs.1,00,000 at 0% interest rate & free unlimited access to doctors instantly over video consultations - 24 hours a day, all days. Payback in easy interest-free EMIs over 90 days.
No-EMI Loan - Presenting dhani No-EMI Loan, an interest-free credit line that can be availed at zero processing fees. It offers you the convenience of No-EMIs with only the principal amount to be paid back after 90 days.
Instant Healthcare – Look after your and your family’s healthcare needs with instant doctor consultations. Get 24*7 online video consultations from our panel of qualified doctors across 10+ specialties. You can also order medicines, with attractive discounts of up to 40%, home-delivered within an hour.
dhani Wallet - Manage all your online payments with the dhani wallet. Phone recharge, gas, electricity or utility payments, bus, flight or hotel bookings or any online shopping platform – all your digital payments can be managed on a single app. You can also order your dhani Pay RuPay card and enjoy shopping across 30 lakh+ online and offline merchants!
dhani SuperSaver – Get yourself a SuperSaver Card and enjoy maximum return on your spending. Now order medicines, with discounts up to 60%, and get an additional 5% Cashback on all your daily shopping & transactions - including phone recharge, petrol, shopping, utility bills, travel or hotel bookings, and much more! Shop with your dhani Wallet or dhani Pay RuPay card across all online and offline merchants across the country, and get instant cashback daily. Try FREE for 30 days!
Instant Personal Loans - Get money instantly in your account with low EMIs - Pay only interest amount as EMI for the first 6 months, and pay principal later. Also, enjoy an additional 10% cashback on the timely payment of EMIs each month. As a personal loan customer, you are also covered with free unlimited and instant doctor consultations and up to 40% discount on medicines.
dhani Stocks – Open a Demat & Trading Account on dhani and enjoy unlimited trading at just ₹ 500 p.m. Zero brokerage charges for F&O, Equity & Intraday trading. No Per Contract charge.
The dhani App also has a host of features to keep you engaged.
dhani Games – Exciting games like Spin the Wheel, Basketball, Darts, Pocket Pac, Pool & Paper Flick made just for your entertainment. Win Cash on each game!
dhani Dost - Invite your friends and family to the dhani App and earn real cash on each signup.
Health Zone – Immerse yourself in a world of peace and calm with relaxing audio podcasts curated to help you relax and ease your mind.
You can reach our Customer Care Team on 0124 6165 722 or email us at email@example.com
Personal Loan Example: For an instant loan of ₹ 2,500:
Interest Rate: 0%
Tenure: 3 months
Subscription Fee: ₹125
Additional Fees: Not Applicable
o Enjoy the latest features and offers, from Bill payments to referring your friends and earning instant benefits.
Update your app now and never miss out on the best deals for all services.
Ratings and Reviews
My emi of rs 66 got declined and I was fined rs 118 yesterday night. So the total amount became 184. I paid it without wasting anytime through the app but the payment didn't got reflected. To avoid issues, I paid again 184 rs and as it didnt reflect in the app, I went to sleep. Morning, the amount got reflected in the app, but it accepted both payment with out giving me back the excess amount. I created mail immediately regarding this and got a reply mail after several time saying they have transferred the mail to the concerned department with bank satement. And all of a sudden, I noticed another overdue fine of rs 118 appeared in the app. I paid it immediately and got the confirmation pop up in the app but after waiting 12 hours it didnt reflected in the dhani account. Again I paid the amount through app and took screenshots while doing the payment. Its been hours and it still not reflected in the account. I sent mail again with the screenshots and if the dhani team do not take right action, I will take legal action. I was told to contact the customer care number but the number is like an ivr and there is no customer care executive available. For 66 rs emi, i hav now spend over 600 rs ..
Developer Response ,
We are sorry for the experience you had with us. We assure you that we are constantly working towards improving your personal loan experience. Please write to us at firstname.lastname@example.org with your contact details and we shall get back to you to resolve your issue at the earliest.
Unprofessional rude and felt cheated it's worst to have money from them
I am really very upset the way these guys have been working very unprofessional and they are making fool of people. I paid my emi on time through online 2 days later received call from saying did i pay my emi i gave them all details and they said your details have been updated. After a week again 1 or more times I received the call and gave them all details again. Today again I received the call & I refused 2 give details the associate immediately said ok we will keep you overdue. & when I checked in the app they were so fast that it was really updated. The issue is when I repeatedly gave my details of Payment it was not updated in there system but today when once I said I will not give details again they immediately did what they said. This is my last biggest mistake that I took a loan from these people plz be aware these people will do anything to make money from you. I would never suggest any of my colleagues or friend to have loan from dhani. Worst app worst people to deal with.
Developer Response ,
We are sorry that you feel this way. We are constantly working towards improving your personal loan experience. Please write to us at email@example.com with your contact details and we shall call you to resolve your issue at the earliest.
Worst App for LOAN I’ve ever seen😠😠😠
Worst App ever i have seen..
I download app, got loan amount and was paying emi regularly, after paying 3 EMI through ECS, They have started playing their business mind in app.😠 i had got notification in app that Payment for November Month of 2018 was received,i did not check my statement that time and one of their Executives called me and asked details i said and they too said the emi for November month was received. Recently when i cheked my bank Statement emi wasn’t debited when i opted for a call back from Customer support centre in their app i dint even get a call till now, and now thinkg about my CIBIL score now which would have dropped due to their Careless work.i have maintained more than Sufficient Balance in my Account for my EMI. I still have maintained the same balance and EMI has not be debited. They haven’t even called me till now inspite of Opting for a call back from their app, Expecting a call back atleast now for clarification on my EMI which wasn’t debited
Developer Response ,
I'm truly sorry about the experience you have had with us. However, we would like to assure you that we are learning and improving every day, and would definitely want to deliver a better experience to you in the near future.
Atul Pal, Team Dhani"
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- Dhani Services Limited
- 113.7 MB
- Requires iOS 11.0 or later.
- iPod touch
- Requires iOS 11.0 or later.
English, Gujarati, Hindi, Kannada, Marathi, Tamil, Telugu
- Age Rating
- 17+ Frequent/Intense Contests Infrequent/Mild Medical/Treatment Information Gambling
- © 2017, IVL Finance Limited
Up to six family members will be able to use this app with Family Sharing enabled.