No collateral
Unsecured — nothing to pledge.
Personal loans
An instant personal loan, explained simply
Borrow ₹5,000 to ₹1,00,000 for 3–12 months, with no collateral and no paperwork. You see the rate, fees and APR before you apply.
What is an instant personal loan?
An instant personal loan is an unsecured loan you apply for entirely on your phone. There's nothing to pledge — the lender decides based on your income, credit history and KYC.
Dhanrivo is the Lending Service Provider: we run the application and support. The loan itself is sanctioned and disbursed by an RBI-registered NBFC, and the money goes straight to your bank account.
Features
100% digital
Aadhaar and PAN KYC on your phone.
Quick decision
An in-principle decision in minutes.
Flexible tenure
Choose 3–12 months.
Total cost upfront
Rate, fees and APR shown before you sign.
Regulated
Sanctioned by an RBI-registered NBFC.
Use cases
Tap a need to set the calculator below.
Eligibility
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
| 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 |
Calculate your EMI
₹
₹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.