Fair Practices Code
Our Board-approved Fair Practices Code: how we process applications, communicate terms, disburse, review and recover loans, and treat every borrower fairly. Available in English and Hindi.
Policies and regulatory disclosures
Every Board-approved policy, rate and charge that governs your loan, published as required by the Reserve Bank of India. Download any document to read it in full.
Registration details
- Company
- Dhanrise Finance Private Limited
- Month of grant of RBI registration
- August 2026
- NBFC category
- NBFC-ICC (Investment and Credit Company)Non-Deposit Taking · Base Layer
- Corporate Identity Number (CIN)
- U64990UW2026PTC249231
- Registered office
- 4th Floor, Plot No. A-23, Sector-9, Noida, Gautam Buddha Nagar, Uttar Pradesh 201301Phone 9257011357 · Email Customer.Support@dhanrise.in · Contact person Nivedita Pathak
RBI policies
These policies are approved by our Board and apply to every loan we offer.
KYC and AML Policy
Our Board-approved Know Your Customer and Anti-Money Laundering Policy: the identity and income documents we need to open a loan account, and how we verify them.
Grievance Redressal Policy
How to raise a complaint, who handles it, and the timelines within which we will resolve it.
Want to raise a complaint now? Go to grievance redressal.Interest rates and service charges
How we set interest rates, and every fee or penal charge that can apply to your loan. The same figures appear in your loan agreement and Key Fact Statement (KFS).
Interest Rate Policy
Our interest rate model, the approach for gradation of risk, and the rates of interest for each product. We update it whenever rates change.
Last updated: Oct 2026
Schedule of Charges
All Board-approved fees and charges on our loans.
No foreclosure charge on floating-rate loans to individuals for non-business purposes.
Penal Charges
The amount of each penal charge and the reason it applies. These are penal charges, not penal interest, and are never added to the interest rate.
Penal charges are also stated upfront in your loan agreement and in the MITC / KFS you receive before signing.Loans at a glance
Interest rate16% – 24% p.a.based on your credit assessment
Loan amount₹1 lakh – ₹10 lakhminimum to maximum
Tenure12 – 84 monthsrepayment period
Loan to value (LTV)Up to 95%of valuation or transaction value, whichever is lower
| Minimum income | ₹3 lakh |
|---|---|
| Repayment frequency | Monthly, quarterly / structured quarterly, or half-yearly / structured half-yearly |
| Processing feeOf the loan amount, plus applicable GST | Up to 2.5% |
| Stamp dutyAs per state law | At actuals |
| Other chargesAll other fees, as approved by our Board | Schedule of Charges |
| Annual Percentage Rate (APR)Includes interest and all fees | In your KFS |
Interest rate16% – 24% p.a.based on your credit assessment
Loan amount₹1 lakh – ₹20 lakhminimum to maximum
Tenure12 – 84 monthsrepayment period
Loan to value (LTV)Up to 95%of valuation or transaction value, whichever is lower
| Minimum income | ₹3 lakh |
|---|---|
| Repayment frequency | Monthly |
| Processing feeOf the loan amount, plus applicable GST | Up to 2.5% |
| Stamp dutyAs per state law | At actuals |
| Other chargesAll other fees, as approved by our Board | Schedule of Charges |
| Annual Percentage Rate (APR)Includes interest and all fees | In your KFS |
Interest rate16% – 24% p.a.based on your credit assessment
Loan amount₹5 lakh – ₹50 lakhminimum to maximum
Tenure12 – 84 monthsrepayment period
Loan to value (LTV)Up to 95%of valuation or transaction value, whichever is lower
| Minimum income | ₹10 lakh |
|---|---|
| Repayment frequency | Monthly |
| Processing feeOf the loan amount, plus applicable GST | Up to 2.5% |
| Stamp dutyAs per state law | At actuals |
| Other chargesAll other fees, as approved by our Board | Schedule of Charges |
| Annual Percentage Rate (APR)Includes interest and all fees | In your KFS |
Co-applicant and guarantorApplies to all three loans
- A co-applicant is required if you do not meet the income, age, business vintage or credit bureau requirements on your own. In other cases, we may ask for one at our discretion.
- A co-applicant is jointly and severally liable, which means they are equally responsible for repaying the whole loan.
- Co-applicants and guarantors go through the same KYC and credit bureau checks as you.
- Where a guarantee is taken, it is unconditional and continuing. Every guarantor is counselled separately and signs the guarantee documents to confirm they understand their liability.
Policy text: A co-applicant (jointly and severally liable) shall be mandatory where the primary applicant does not independently meet income, age, vintage or credit bureau thresholds, and may be taken as an additional risk mitigant in all other cases at the discretion of the sanctioning authority. A co-applicant/guarantor shall be subject to the same KYC and CIC-check requirements as the primary applicant. Guarantees, where taken, shall be unconditional and continuing, and guarantors shall be independently counselled and made to sign the guarantee documents in acknowledgement of their liability, in line with fair practices requirements.
The Schedule of Charges is the complete and binding list. We will never charge you anything that is not listed there and in your Key Fact Statement.
Customer information
Codes, procedures and guides that explain your rights as a borrower.
Code of Conduct for Recovery Agents
How our recovery agents must behave: when they can contact you, how they identify themselves, and what they are never allowed to do.
Privacy Policy and Terms of Use
What personal information we collect, how we use and protect it, and the terms for using this website.
Refund and Cancellation Policy
When and how fees can be refunded, and how to cancel a loan application or a sanctioned loan.
Return of property documents to legal heirs
The procedure for returning original movable or immovable property documents to the legal heirs on the demise of the sole or joint borrower(s).
Overdue, SMA and NPA classification
When a loan becomes overdue, how it is classified as SMA or NPA, and how it is upgraded again, explained with examples and with reference to the day-end process.
RBI disclaimer
RBI disclaimer. The Company holds a valid Certificate of Registration issued by the Reserve Bank of India under Section 45-IA of the RBI Act, 1934. However, Reserve Bank of India neither accepts any responsibility nor guarantees the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for discharge of any liability by the company.