Do More With The Indiabulls Dhani App


Dhani, an instant loan app, is a product of Dhani Loans and Services Limited, a non-deposit NBFC registered with the RBI. It was formerly known as Indiabulls Consumer Finance Limited. The Dhani app is available on the Apps Store for iPhone and PlayStore for Android-based smartphones.

What does the Dhani App offer?

The Dhani app offers health and financial services. Let us discuss how you can get the best out of the Dhani app.

Dhani App – Money Services

The Dhani App Money Services offers seven products for the benefit of its customers.

  • Dhani One Freedom – 0% Interest Card
  1. Dhani One Freedom allows customers to avail a credit line up to Rs 5 lakhs @ 0% interest rate. The customer can use the credit line accordingly and repay the amount in three easy instalments.
  2. This facility is available on the payment of a flat monthly fee without any charges.
  3. Customers get unlimited access to doctors and healthcare 24 x 7.
  4. Customers receive a Dhani Rupay Card acceptable at all merchant establishments. Besides, they can enjoy exciting cashback on all spending.
  • Dhani No EMI Personal Loan

  1. This facility is available to Dhani customers for a flat monthly payment of Rs 350 per month. There are no separate processing fees.
  2. The unique facility includes a personal loan, depending on the individual’s credentials, @ 0% interest for 90 days. There are no EMIs, and the customer has to repay the principal amount after 90 days.
  3. Besides, they get unlimited doctor consultations 24 x 7 and branded medicines at a discount of 50%.
  4. Each customer gets a Dhani Rupay card accepted online and offline. 
  • Dhani Wallet

  1. It is a digital payment platform that allows customers to make online bill payments, bookings, mobile recharges, and even online/offline purchases.
  2. The Minimum KYC wallet has restrictions on wallet balances up to Rs 10,000 and is valid for 24 months. The Full KYC wallet allows fund transfers to bank accounts and balances up to Rs 1 lakh.
  • Dhani Free Cashback Card

  1. The Dhani Free Cashback Card is a virtual card that entitles customers to get an assured 2% cashback on all types of shopping, offline and online.
  2. You get the option of going for a physical contactless payment card and use it for shopping at more than 30 lakh Rupay online and offline merchants.
  • Dhani Super Saver

  1. The Dhani Super Saver Card allows you to get up to 5% instant cashback on all shopping.
  2. Besides, this card offers access to Dhani doctors 24 x 7 and a 40% discount on medicines in select cities with doorstep delivery.
  • Dhani Rupay card

  1. The Dhani Rupay Card is a prepaid Rupay card that allows you to shop at more than 30 lakhs online and offline merchants.
  2. The Indiabulls personal loan of up to Rs 15 lakhs is available in three minutes.
  3. Earn Dhani points on all transactions done on the card. 
  4. Complimentary accident insurance up to Rs 2 lakhs is available on the card.
  5. Participate in referral programs and earn a referral fee.
  • Dhani Stocks

  1. Dhani Stocks is a discount broking platform offering a subscription-based plan for unlimited trading in stocks. The plan costs Rs 500 per month.
  2. Using the app, you can open your Demat and trading account in 60 minutes to start trading immediately.
  3. Get 20% of your subscription fee as cashback every month using Dhani cards.

Health Services

Besides financial services like Indiabulls Personal loans and others, the Dhani app offers health services, as listed below.

  • Dhani Pharmacy

Here is an ideal app to purchase your medicines and get discounts up to 25%. Besides, the medicines are delivered to your doorstep. All you do is log in to the app and order your medicines. You also have to upload your prescription when ordering your medicines. 

Besides, this app allows you to purchase healthcare products and other personal care products online.

  • Free Health Cashback Card

The Free Health Cashback card entitles you to receive 5% cashback on all pharmaceutical bills and 2% cashback on all other spendings. Besides, there are no limits and conditions on cashback. This card is available as a physical and virtual card. You can shop across more than 30 lakhs online and offline merchants.

  • Dhani Doctor

Dhani Doctor is the best way to find a doctor instantly as more than 200 doctors are available on a video call, 24×7. You get the advantage of free consultations for 30 days. Discounts up to 50% are available on prescribed medicines. Besides, you get free doorstep delivery. 

  • Health 365

Health 365 allows you and your family to get unlimited consultations and medicines for the family on the payment of Rs 475 per month. You can choose your affordable plan accordingly. You can connect to your doctor within ten seconds and also benefit from doorstep delivery of your medicines.

  • Medical Insurance

The Dhani Medical Insurance allows you the benefit of cashless facilities across the country at more than 4700 hospitals. The sum insured is Rs 50,000 and covers COVID-19. It covers room rent @ 1% of the sum assured per day. ICU charges are 2% of the sum insured per day. Ambulance charges are available @ 1% of the sum assured amount.

This insurance covers pre-existing diseases after the waiting period of four years. In addition, the coverage includes medical issues like psychiatric illness and bariatric surgery. 

It also covers the costs incurred on a second consultation. Besides, an annual health check-up is available up to 0.25% of the sum insured on renewal. It also covers organ donation.

  • Personal Insurance

Here is a personal accident insurance product that offers cashless facilities across the country. The personal accident coverage is Rs 1 lakh against death and permanent total and partial disabilities. The cash benefit is available of Rs 500 per day for hospitalization due to accidents for a maximum of 30 days. Medical expenses for accidents are covered up to Rs 10,000.

  • Cancer Awareness Programme

Customers can call 0124-6165722 and get screened for cancer. It also provides them to clarify all their doubts about cancer. The screening is available at more than 2945 locations across India. Free home visits are available. A special discount of 60% is available on the 6-marker package.

We have discussed all the benefits available with the Indiabulls Dhani app. Besides the Indiabulls personal loan, customers get a range of benefits on downloading the Dhani app and using it.

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