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Dhanalakshmi Bank Personal Loan Details

Dhanalakshmi Bank 3.75 / 5.04 users

Dhanlaxmi bank is known for its customers' services and effective personal relations with their clients. It offers various loans to provide financial help be it an education fee, renovation of the house, paying your bills, or anything else. Personal loans can be easily availed at the bank without hassles.

Dhanalakshmi Bank Personal Loan Details Updated on
Loan Amount Rs.100,000 to Rs.15,00,000
Loan Tenure 5 Years
Interest Rate 9.85% onwards

Why Choose Dhanalakshmi Bank Personal Loan?

  • The advantage of this loan is its same interest throughout the duration.
  • Simple documentation is needed and the personal loan in Dhanlaxmi Bank then gets processed faster.
  • The customers can pay off the loan in easy instalments every month and can repay it via auto debit or PDC or ECS.
  • You can check out Dhanalakshmi Bank personal loan eligibility and Dhanlaxmi Bank Personal Loan EMI calculator at

Features of the Dhanlaxmi Bank Personal Loan

  • The minimum age to apply this loan is 23 years.
  • The applicant’s monthly salary should be at least Rs 35,000 in case of a salaried individual or Rs 1, 80,000 in case of a self-employed individual.
  • In case of a salaried individual, the bank expects you to have a minimum experience of 2 years in the organisation.
  • In case of a self-employed individual, the person is supposed to have a professional worked experience of at least three years. In case of a non-professional person, at least five years of experience is necessary where four years of experience should be in the current venture.
  • A loan of Rs 15 lakhs is the maximum amount that can be availed at the Dhanlaxmi Bank.

Why Apply for Dhanalaxmi Bank Personal Loan?

Loanbaba provides comprehensive information about personal loan schemes by Dhanalaxmi Bank. Keep a note of this page to stay updated with recent information on this bank loan scheme. You can also quickly apply for this loan online on the financial institution's official website without having to visit the bank branch. It is simple and easy, and you can upload all the required documents online. Disbursal is done at the soonest, and you can keep a track of your loan application on the website.

Dhanlaxmi Bank Personal Loan Interest Rates

Personal Loan Dhanlaxmi Bank interest rate is 9.85% MCLR per year. Keep a check on this page to note the updated interest rate for Dhanlaxmi Bank personal loan.

Dhanlaxmi Bank Personal Loan Eligibility

To be eligible for the personal loan, the following is necessary:

  • A good credit history

The bank primarily looks at your CIBIL score to decide the eligibility. Thus, try to build your credit score.

  • Low EMIs

If you have pending loans, you can refinance them with the personal loan at lower interest rates, lower EMIs and an extended tenure.

  • Prepayment

In case of less number of EMIs left on loan, you can prepay the same and close your loan.

  • Secured and unsecured loans

The bank has a mix of secured as well as unsecured loans. The secured loans are, however, favourably considered as it shows the bank that you’ve acquired assets in that time period instead of simply building the credit.

Types of Dhanlaxmi Bank Personal Loan

Dhanlaxmi Bank has personal loan schemes for professionals and salaried individuals. The amount taken as loan can be used for either multiple or specific purposes.

Dhanalakshmi Bank Personal Loan FAQs

Below provided are important questions about personal loan Dhanalakshmi.

  • Do not apply for many loans

The bank goes through a credit check. If you have taken multiple loans, it will show as a bad report and ultimately affect your credit score.

  • Do not hold many credit cards

Having a lot of is considered unfavourable. Though if you might not have used the cards much, but it reduces the total credit limit.

You can use the personal loan amount for commercial or personal activities. The bank does not restrict how you use the money.
Customers can connect with customer care of the bank by visiting the bank’s official website and filling an online help form and sending the same depicting the requests, feedbacks, or queries. The customers can write to Dhanalakshmi bank at its Kerala registered office as well.

Disclaimer: Information is gathered from secondary sources and meant for reference only. Loanbaba is not a channel partner of Dhanalakshmi Bank.

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