The personal loan is just what you need to address your diverse financial needs – be it your child’s admission fee or upgrading your home appliances, you can now look forward to getting the financial support you need, without any hassles.


Apply For Dhanlaxmi Bank Personal Loan

Dhanlaxmi Bank Personal Loan Eligibility

  Salaried Self Employed
Age Above 23 Years Above 23 Years
Minimum Income Requirement Rs 35,000/- Per Month 1,80,000/- Per Annum
Profiles Covered Salaried With:
  • A Central/State Government Institution
  • A Profit Making Company
  • A Reputed Organization As A Permanent Employee
  • Self Employed Professionals
  • Self Employed Non-Professional With A Profit Making Proprietorship Business / Partnership Firm/ Private Limited Company With A Positive Turnover
Total Work Experience 2 Years And Above
  • For Self Employed Professionals- 3 Years & More
  • Self Employed Non-Professional-Total 5 Years Of Experience With 4 Years In The Current Venture

Dhanlaxmi Bank Personal Loan Benefits

For Salaried

  1. Loans Are Tenable In A Wide Range i.e. 1 Lac To 15 Lacs
  2. Easy And Simple Documentation
  3. Flexible Repayment Options Which Can Stretch Between 12 And 60 Months

For Self Employed

  1. Loans Are Tenable In A Wide Range Of 3 Lacs To 15 Lacs
  2. Easy And Simple Documentation
  3. Flexible Repayment Options Which Can Stretch Between 12 And 60 Months


Apply For Dhanlaxmi Personal Loan


Fees & Charges On Dhanlaxmi Bank Personal Loan

  Salaried Self Employed
Loan Processing Fees Up To 2.5% Of The Loan Amount Subject To A Minimum Of Rs .1250/-
Prepayment Charges (Before Repayment Of 12 Emis) 6% Of The Principal Outstanding
Prepayment Charges (After Repayment Of 12 Emis) 4% Of The Principal Outstanding
No Due Certificate / No Objection Certificate (NOC) Rs. 250/-
Duplicate No Due Certificate / NOC Rs. 250/-
Solvency Certificate Not Applicable
Charges For Late Payment Of EMI @ 24 % P.A On the Amount Outstanding From Date Of Default
Stamp Duty & Other Statutory Charges As Per Applicable Laws Of The State
Credit Assessment Charges Not Applicable
Non-Standard Repayment Charges Not Applicable
Cheque Swapping Charges Rs. 500/- Per Event
Cheque Bounce Charges Rs. 500/- Per Cheque
Legal /Incidental Charge At Actual
EMI Cycle Change Rs. 200/-
Loan Cancellation Charges Rs. 1000/-
Foreclosure Statement Charges Rs. 200/-


Dhanlaxmi Bank Personal Loan Documents

For Salaried:

Documents Documents Accepted
Proof Of Identity (Any One)
  • Photo PAN Card
  • Valid Indian Passport
  • Voters Identity Card
  • Permanent Laminated Driving License
  • Employee ID Card Issued By Defense / Govt. / Public Sector Undertaking / Reputed MNC's/ Public Limited Co Only. Private Limited Companies ID Cards Will Not Be Accepted.
  • Certificate Of Practice Issued Professional Bodies Like ICAI/ICSI/ICWAI/ ICFA Can Be Accepted As ID Proof ( Provided It Has The Photo Of The Member On The Certificate)
  • Bank Pass Book With Attested Customer Photograph And Signature (Only From Scheduled Commercial Banks)
  • Defense ID
Proof Of Age (Any One)
  •    Birth Certificate
  •    School Leaving Certificate
  •    LIC Policy (Minimum 12 Months In Force)
  •   College Certificate
  •   PAN Card
  •   Passport
  •   Driving License
Residential Proof (Any One)
  • Valid Indian Passport (Valid Only If The Address On Passport Is Same As Per The Communication Address)
  • Life Insurance Premium Receipt Of Any Insurer (Policy Should Be Minimum 12 Months In Force)
  • Voter ID Card
  • Permanent Laminated Driving License
  • Latest Telephone Bill Not Older Than 3 Months
  • Post Paid Piped Gas Connection Bill Showing Consumption And Complete Address
  • Bank Passbook Or Latest Bank Account Statement (First Page With Full Address Mentioned, Which Match As Per The Loan / Credit Card Application Form). In Case Of Bank Pass Book, Page(S) Showing The Latest Bank Transaction Should Be Taken On Record.




  • Electricity Bill (With Complete Address Of The Account Holder) - Not Older Than 3 Months
  • Co-Operative Housing Society Receipt Can Be Accepted Subject To Customers Positive Residence Confirmation Through Field Investigation
  • Original Post Paid Mobile Bill Showing Complete Residence Address Of The Applicant As Per The Application Form
  • Notarised Registered Rent Agreement With Latest Electricity Bill Issued To Landlord
Signature Verification (Any One)
  • Permanent Laminated Valid Driving License.
  • PAN Card
  • Bankers Verification (Only Scheduled Commercial Bank)
  • Copy Of Entire Registered Sale Deed Showing Photo And Signature
  • Government ID Card For Govt. Employees
Continuity Proof (Any One) Form 16, /Letter From HR Authorized Signatory, Appointment Letter
Income Proof 3 Latest Pay Slips With 6 MonthsBank Statement OfSalary Account


Interest Rate:

Personal Loan

  Rate of Interest Processing Charges
1 lakhs upto Rs.15 Lakhs
For Salaried & Self Employed Professionals 16% to 18% 2.5% of the Loan Amount +Service Tax
For Self Employed Non-Professionals 20% 2.5% of the Loan Amount +Service Tax

Other Leading Personal Loan Providers (Click to Apply)

  1. HDFC Personal Loan
  2. ICICI Bank Personal Loan
  3. Axis Bank Personal Loan
  4. SBI Personal Loan
  5. PNB Personal Loan
  6. Citibank Personal Loan
  7. Fullerton India Personal Loan
  8. Personal Loan from Other Banks

Personal Loan EMI Calculator Personal Loan Interest Rates
Personal Loan EMI Calculator Personal Loan Interest Rates