The Indiabulls Group was conceptualised in the year 2000 by its founder Mr Sameer Ghelaut.
Armed with a degree in Mechanical Engineering from the prestigious Indian Institute of Technology, Delhi, he began his illustrious career by working briefly with Halliburton in the United Kingdom

In the middle of the year 1999 after returning to India Sameer Gehlaut bought a defunct securities company when e-commerce was just about starting in India and started offering brokerage services.

Getting a good start he was soon able to establish his flagship company Indiabulls Financial Services.

Facing unprecedented success in his endeavours he was soon able to establish strong businesses in various sectors.

  • Indiabulls Securities was started as a subsidiary of Indiabulls Financial Services in the year 2000, for the purpose of online brokerage services. By the year 2003 it had established a strong pan India presence.
  • In September 2004 Indiabulls Financial Services went public & started financing consumer Loans.
  • In 2005 Indiabulls Ltd Indiabulls Properties Private Ltd. won the mill in auction and that purchase started Indiabulls Real Estate business. IndiabullsReal Estate Company Pvt. Ltd.
  • With real estate business gaining size, Indiabulls Financial Services demerged the real estate business under Indiabulls Real Estate Put Ltd.

Today, Indiabulls Group has a net worth of over Rs. ₹ 17,792 crore and the market capitalization stands at over ₹ 48, 848 crore. Indiabulls Group has a strong presence in important sectors like financial services & real estate through independently listed companies and the group continues its journey of building businesses with strong cash flows.

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In the Arena of Consumer Loans Indiabulls Housing Finance is a name to reckon with.Indiabulls Housing Finance Ltd. (IBHFL) today is the 2nd largest private housing finance company in India, regulated by the National Housing Bank (NHB). Achieving the prestige of being an ‘AAA’ rated company.

Indiabulls Housing Finance has serviced more than 9.20 lakh customers and has cumulatively disbursed home loans of over ₹ 1.67 lakh crore as of the last financial year.

With a consolidated customer base Indiabulls has made a foray into Personal Loans with the launch of IVL Finance Limited (IVLFL), a Non- Banking Finance Company (NBFC), is a wholly owned subsidiary of Indiabulls Ventures Limited (IVL).


Enhancing the success story of its consumer finance for Home Loans Indiabulls is ready to service its customers for their financial needs via Personal Loans.

The Personal Loan product has been designed with an objective of reaching out to the average Indian & to fulfil their aspirations for easy finance.

With a comprehensive Customer base, a wide spread reach with offices all over the country & a dedicated workforce of over 6400 employees Indiabulls is ready to create a new landmark in the business of lending.

IVLFL (Indiabulls ventures ltd finance ltd.) caters to Salaried Personnel for Personal Loans & the Small and Medium businesses by offering them Business Loans.

Dhani” a first of its kind mobile application has been launched by Indiabulls Ventures, for the marketing of Personal Loans. This application has been designed to make the fulfilment of personal financing needs easier than it ever was before.


Kyc Documents

  • Proof of Identity – Passport / Driving License / Voters ID (any one)
  • Proof of Residence – Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).
  • Aadhaar Card Copy.
  • 2 Passport Size photographs.

For Income Proof

  • Pan Card Copy.
  • Latest 3 months Bank Statement (where salary/income is credited).
  • Salary slips for last 3 months.
  • Form 16 (latest).

Indiabulls has prevailed & grown in a scenario which has not been conducive to economic growth. It has become a brand which is known & recognised in India & overseas.

As a Non Banking Financial Entity it has gained customer confidence through a strong, sales team & a Dedicated customer services department.

With this distinct performance history customers can look forward availing the special advantage of Personal Loans from Indiabulls.

Key features of personal loans from indiabulls

  • The availability of Personal Loan Finance from Indiabulls is both easy & convenient.
  • Best Interest Rates in the Industry starting from 10.99% onwards.
  • Minimal documents required.
  • Instant verification with Aadhaar Card.
  • Online application facility available with the online Indiabulls Personal loan app “Dhani”.
  • Enhanced loan amount with an increased eligibility calculation for high income applicants.

Salient features of the Indiabulls Personal Loan Policy


The age of an applicant should be above 23 years to apply for a Personal Loan from Indiabulls. For applicants working with I.T Companies, BPO’S & Insurance companies the minimum age requirement is 25 years. While the maximum age till which the applicant should complete the Tenure of the Personal Loan availed is 60 years.


Indiabulls offers personal loans to individuals who have availed a Credit facility from any of the prevailing Banks or NBFC’S & also to fresh applicants without a credit history.

The CIBIL score of applicants with a previous credit history is taken into account when processing the loan, an applicant who has been clearing his dues on time will be considered eligible for a loan while late payments or defaults will be viewed negatively.


Flexible options are offered for the repayment of the Personal Loan, the applicant can pay back the loan via fixed monthly Installement over a period of time from 12 to 72 months as per the eligibility & repayment capacity of the applicant.

Indiabulls is the only prominent lender to offer a period of 6 years to pay back the loan; the industry norm is a maximum of 5 years.


The net salary of applicants being transferred to their Bank account should be above 25000/- per month .The Loan amount the applicant will be eligible for will be calculated as per the income & total obligations including other loans & credit card usage.

Maximum Loan amounts are offered to customers working with companies featuring in the Indiabulls elite company list. Increased loan amounts are offered to applicants with salary above 50k per month.


Personal Loans for salaried customers are categorised as per their current employer. The company an applicant is working with are categorised as follows;





The rate of Interest charged by Indiabulls for lending of Personal Loans compares to the best in the Industry. Customers who have a previous relationship with Indiabulls are given additional benefits.

Type of Charge Type of Charge
Rate of Interest @ (reducing balance)10.99% to 19%
Processing fee1% to 3.5%
Loan foreclosure/pre-payment charges>6 months: 5%
Rate of Interest11.99% onwards
Bounce chargesRs. 400 per bounce
Late Payment penalty 3% per month
Stamp duty charges for loan documentationAs per applicable laws
Duplicate NOCRs. 500 per request

How to Apply Online for Indiabulls Personal Loan

  • Give details as required in the form.*
  • Recieve call back for mobile confirmation.
  • Share OTP received with Your loan advisors to get the link & guidance for further process.
  • Upload documents required.
  • Recieve an Instant result.

*(Please note linking of Aadhaar nos with Mobile nos is mandatory, this is a system generated automated process)