INSTANT LOAN
ROI 10% TO 36%
Loan Amount
₹5,000 – ₹10 L
Tenure
12 – 60 Months
Funding Solutions
Tailored loan products for your unique needs
We offer a diverse range of funding options through our network of approved funding partners. Find the right product for your goals.
loan against property
9% - 12%
Loan Amount
₹5 L – ₹1 Cr
Tenure
12 – 60 Months
Salaried Personal Loan
Starting from 10.49% p.a. (varies by lender)
A collateral-free personal loan designed for salaried professionals, with flexible tenure and transparent processing. Funds can be used for medical needs, travel, weddings, education or debt consolidation.
Loan Amount
₹50,000 – ₹40 L
Tenure
12 – 72 Months
Eligibility
Salaried applicants, typically 21-60 years, with a stable income and a healthy credit profile. Final criteria are set by the lender.
Required Documents
- PAN Card
- Aadhaar Card
- Last 3 salary slips
- 6 months bank statement
- + 1 more documents
Self-Employed Personal Loan
Starting from 11.99% p.a. (varies by lender)
Personal loans structured for self-employed applicants, assessed on business vintage and income documents rather than salary slips.
Loan Amount
₹1 L – ₹30 L
Tenure
12 – 60 Months
Eligibility
Self-employed applicants with business continuity proof and filed income tax returns. Final criteria are set by the lender.
Required Documents
- PAN Card
- Aadhaar Card
- 2 years ITR
- 12 months bank statement
- + 1 more documents
Home Purchase Loan
Starting from 8.35% p.a. (varies by lender)
Home loans for ready-to-move, under-construction and resale properties, with long tenure and competitive rates from our funding partners.
Loan Amount
₹5 L – ₹5 Cr
Tenure
60 – 360 Months
Eligibility
Salaried or self-employed applicants with clear property documents and a healthy repayment record. Final criteria are set by the lender.
Required Documents
- PAN Card
- Aadhaar Card
- Income proof
- 6 months bank statement
- + 1 more documents
Business Working Capital Loan
Starting from 13.00% p.a. (varies by lender)
Working capital funding to manage inventory, payroll and expansion, with quick turnaround and minimal paperwork.
Loan Amount
₹2 L – ₹75 L
Tenure
12 – 60 Months
Eligibility
Businesses with operating vintage and consistent banking turnover. Final criteria are set by the lender.
Required Documents
- PAN Card
- Aadhaar Card
- GST returns
- 12 months bank statement
- + 1 more documents
The Dharya advantage
Why choose our loan products
A transparent, human-led process with lender options that depend on your profile — institutions — built for clarity at every step.
Transparent terms
Clear communication on rate of interest, processing fees and tenure — with lender charges explained before you proceed.
Manual lender selection
Every application is matched by a person, not an algorithm, based on your profile and requirement.
Expert support
Advisors guide you through documentation, application and disbursal from start to finish.
Eligibility
What affects your loan eligibility?
Each lender sets its own criteria, so eligibility can vary between lenders for the same profile. These are the factors most lenders look at.
Income and employment
Monthly income, whether you are salaried or self-employed, and job or business stability.
Credit score (CIBIL)
Your credit score and repayment history on existing loans and cards.
Age and tenure
Your age at application and at the end of the loan tenure.
Existing obligations
Current EMIs and the loan amount requested compared with your income.
Documents
Which documents may be required?
Exact requirements vary by lender, loan type and applicant profile. Our team confirms the list for your application.
Identity and address proof
PAN card, Aadhaar card and a current address proof.
Income proof
Recent salary slips or Form 16 for salaried applicants; ITRs and business proof for self-employed applicants.
Bank statements
Recent bank statements showing salary credits or business transactions.
Property documents
For home loans: sale agreement, title documents and approved plans as asked by the lender.
Please note: Dharya Finance is a loan assistance and distribution service, not a lender or NBFC. Loan approval, interest rates, tenure, documentation and other terms are subject to the respective lender's eligibility criteria, policies and verification.
FAQs