Quick decisions
Get an in-principle decision in minutes. Once approved, money goes straight to your bank account.
Loans by RBI-registered NBFC partner
Instant personal loans, up to ₹1 Lakh
Apply in minutes with 100% digital KYC. See your total cost upfront — no paperwork, no hidden charges.
- 100% digital KYC
- Zero paperwork
- Bank-grade security
- Money direct to your bank
EMI calculator
See exactly what you'll repay
₹
₹5,000₹1,00,000
months
3 months12 months
%
18% per annum36% per annum
Monthly EMI
₹5,356
- Principal
- ₹30,000
- Total interest
- ₹2,135
- Processing fee + GST
- ₹708
- APR (all-inclusive)
- 32.5%
- Amount credited to your bank
- ₹29,292
- Total repayment
- ₹32,135
Indicative estimate. Your final rate, fees and APR are set by the lender based on your profile and shown in the Key Fact Statement (KFS) before you sign.
Why Dhanrivo
Built for how you actually borrow
How it works
From application to bank transfer in 4 steps
- 1
Check eligibility
Enter your mobile number and a few basic details to see your offer.
- 2
Complete digital KYC
Verify Aadhaar and PAN and securely share your bank statement with consent.
- 3
Review & e-sign
Check amount, rate, fees and APR in your Key Fact Statement, then e-sign on your phone.
- 4
Get the money
The lender disburses funds directly to your bank account.
Use cases
Whatever life throws at you
Tap a need to see a typical estimate in the calculator.
Eligibility
Can I apply?
You'll need to be
- Indian resident aged 21–58
- Salaried or Self-employed
- Minimum monthly income ₹15,000
- Aadhaar-linked mobile and an active bank account
Documents
- PAN card
- Aadhaar
- Last 3 months' bank statement
Pricing
No surprises. Ever.
| Interest rate | 18%–36% per annum |
|---|---|
| Processing fee | 2% + GST |
| Prepayment charges | Nil |
| Late payment charges | As per lender's policy, disclosed in your KFS |
| Cooling-off period | 3 days to exit without penalty |
| Hidden charges | None |
Safety
Your data. Your consent. Always.
Bank-grade security
256-bit encryption protects your data in transit and at rest. Your data is stored on servers in India.
Consent at every step
We ask before every credit check or data share. Nothing is shared without your permission.
Lender always named
Your offer and Key Fact Statement always name the lender — our RBI-registered NBFC partner — so you know exactly who you're borrowing from.
Stay safe from fraud
Dhanrivo will never ask you to pay any fee before disbursal or share your OTP, PIN or password over a call. Only use our official app and website.
FAQs