Loans Approved & Disbursed
Dhanshree Finance®
Get Personal Loan
Up to ₹20 Lakh
Get instant personal loans at interest rates starting from just 7.99% p.a.! Apply 100% online—transparent process with no hidden charges. Enjoy a smooth, hassle-free experience with funds credited directly to your bank account.
2M+ (Loan Success)
50K+ (Happy Customers)
Digital Loans
Why Choose Dhanshree Capital?
At Dhanshree Capital, we don’t just offer loans — we offer confidence, support, and peace of mind when you need it most. Established in 1983 and based in Mumbai, Maharashtra, we are a legacy brand in personal lending, proudly serving individuals across India for over 40 years.
We understand that life doesn’t wait, and neither should you — that's why we're always here to solve your financial emergencies with fast, flexible, and secure loan solutions.
Interest Rates 7.99% to 16.99% Per Annum
Quick Loan Approved
Personal Loan Up to 20 Lakh
Repay Tenure Up to 120 Months
Your Trusted Partner in Financial Assistance
Minimum Loan Amount: Rs 50,000
Minimum Interest Rate: 7.99% Per Years
Maximum Annual Interest Rate: Approx. 16.99% P.a
Minimum Repayment Tenure: Up to 12 Months
Maximum Repayment Tenure: Up to 10 Years
Minimum Loan Amount: Up To Rs 50,000
Maximum Loan Amount: Up To Rs 20,00,000
Processing Fees: 2% Of The Loan Amount
EMI Bounce Charge: Rs 590/- Bounce Charge
No Pre-Closure Charges
Why Choose Dhanshree Capital?
Flexible terms and reliable service
Your Trust, Our Commitment
Trust and Transparency in Every Step
At Dhanshree Capital, we understand that securing a loan is a significant financial decision. That’s why we prioritize clear, honest, and transparent communication at every stage of your loan journey. We believe in building strong relationships with our customers, ensuring that you are fully informed and confident in your choices...
Your financial security and satisfaction are our top priority. With our straightforward lending process and commitment to customer service, we aim to make your financial journey smooth, simple, and stress-free.
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Fully Digital Application.
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Instant Approval & Quick Disbursal .
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No Collateral Needed.
Smart Finance, Real Solutions
Personal Loan Solutions Tailored for Every Need
Emergency Medical Loan
Health emergencies don’t wait—and neither should you. Our Emergency Medical Loan gives you immediate access to funds up to ₹5 lakhs for treatments, surgeries, or hospitalizations. With fast approvals and minimum documentation, we help you focus on recovery, not expenses.
Apply Now
Utility Bill Payment Loan
Monthly bills piling up? From electricity and internet to rent and subscriptions—we make sure your essentials never get disrupted. With quick micro-loans up to ₹1 lakh, you can clear dues on time and maintain your credit health effortlessly.
Apply Now
Home Makeover Loan
Thinking of a fresh coat of paint, modern interiors, or fixing leaks? Our Home Makeover Loan helps you redesign and renovate your living space with funds up to ₹7 lakhs. Affordable EMIs, quick disbursal, and a better living experience—now made easy.
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Debt Relief Loan
Struggling with multiple EMIs? Our Debt Relief Loan lets you consolidate all your loans and credit card bills into a single, manageable EMI. Borrow up to ₹10 lakhs with better interest rates and regain control over your finances.
Apply Now
Mobile Purchase Loan
Get the latest smartphone today—without breaking your budget. Our Mobile Purchase Loan offers instant approvals up to ₹1.5 lakhs for top-brand devices. 0% processing, flexible EMI options, and no credit card required.
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Wedding Loan
Make your big day even more memorable—without financial worries. Our Wedding Loan offers up to ₹10 lakhs to cover venue bookings, decorations, jewelry, catering, and everything else that makes your wedding perfect. Easy terms, zero hassle.
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Travel Loan
From relaxing getaways to international adventures, we make travel stress-free. Our Travel Loan offers up to ₹5 lakhs for flights, hotels, and experiences—all with quick disbursal and flexible repayments. Because your dream trip shouldn't wait.
Apply Now
Eligibility & Criteria Required
To be eligible for a loan from Dhanshree Capital, applicants must meet specific criteria depending on their employment type. We ensure responsible lending by providing loans only to individuals and businesses with the capacity to repay comfortably.
1
Salaried Individuals
- Age: 21–60 years
- Minimum ₹20,000 monthly income
- At least 1 year of work experience
2
Self-Employed Professionals
- Minimum age: 25 years
- Stable business for 2+ years
- Annual income: ₹2.5 Lakhs+
3
Business Owners
- Minimum age: 25 years
- 3+ years of business operation
- Turnover: ₹5 Lakhs+/year
Documents Required List
To process your application quickly, please prepare the following documents based on your profile.
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Common for All
- Passport-sized photo
- Aadhaar/PAN/Passport (ID Proof)
- Address Proof (Bill/Rent/Passport)
- Last 6 months’ bank statement
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Salaried Individuals
- 3-month salary slips
- Form 16 / ITR
- Employee ID/Offer Letter
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Business Owners & Self-Employed
- 2 years ITR
- Business Registration Certificate
- Last year’s P&L Statement
- GST Certificate (if applicable)
Together We Rise, Together We Thrive
₹2M+
50K+
Satisfied Customers Across India
750K+
Loan Applications Processed Seamlessly
24/7
Around-the-Clock Customer Support
Loan Representative Example
| Loan Summary Details | |
|---|---|
| Loan Amount | ₹50,000 |
| APR | 16.99% |
| Tenure | 12 Months |
| Processing Fee | 2% of the loan amount |
| GST on Processing Fee | ₹180 |
| Amount Disbursed | ₹48,820 |
| EMI | ₹4,998 |
| Total Repayment Amount | ₹59,978 |
| Total Interest | ₹9,978 |
This example demonstrates the total cost of a ₹50,000 loan with all applicable fees and interest over 12 months.
Office address
RALLI HOUSE,21 DAMODARDASSAKHADVALA MARG, MUMBAI, Maharashtra, India, 400001Telephone number
1800-452-1505Mail address
support@dhanshreecapital.in complaints@dhanshreecapital.inOur Authorised Third-Party Digital Platforms
Ralchem Limited (Dhanshree Capital) officially authorises the following digital platforms to operate on its behalf for customer enquiries, loan information, financial product information, eligibility guidance, loan application assistance, customer communication and marketing support. These platforms operate strictly as Authorised Third-Party Digital Platforms under the authority of Ralchem Limited (Dhanshree Capital). Their role is limited to assisting customers during the enquiry and application journey. They do not independently provide loans, sanction credit facilities, undertake underwriting, approve loan applications or disburse funds.
Authorised Third-Party Digital Platform
OWNED & OPERATED BY
UTTAM FINANCE PRIVATE LIMITED
Plateform : Uttam Finance
Website:
www.uttamfinance.com
Register Address:
44 B Tilak Nagar, Kotri Road
Jaipur, Rajasthan 324007
India
UTTAM FINANCE PRIVATE LIMITED (Uttam Finance) is an Authorised Third-Party Digital Platform of
Ralchem Limited (Dhanshree Capital).
The platform assists customers by providing:
• Loan enquiries
• Loan comparison services
• Financial product information
• Eligibility guidance
• Loan application assistance
• Customer communication and customer support
Uttam Finance acts solely as an authorised digital assistance platform.
It does not independently provide loans, approve loan applications, perform credit assessment, underwriting, documentation, loan sanction or loan disbursement.
All lending decisions remain solely with the respective authorised lending institution.
Important Regulatory Disclosure
UTTAM FINANCE PRIVATE LIMITED (Uttam Finance) has been authorised by Ralchem Limited (Dhanshree Capital) to operate as an Authorised Third-Party Digital Platform. Uttam Finance assists customers with loan enquiries, financial product information, eligibility guidance, digital loan application assistance and customer communication. Submission of a loan enquiry or application through Uttam Finance does not guarantee loan approval. All customer verification, KYC, credit assessment, underwriting, loan approval, documentation, loan disbursement, repayment management and regulatory compliance are carried out solely by Ralchem Limited (Dhanshree Capital) in accordance with applicable laws, RBI regulations and its internal lending policies. Uttam Finance is not a bank, Non-Banking Financial Company (NBFC), or lender. It operates solely as an Authorised Third-Party Digital Platform of Ralchem Limited (Dhanshree Capital). Uttam Finance does not independently sanction, approve or disburse loans. All lending decisions remain solely with Ralchem Limited (Dhanshree Capital).