What is Dhani Services? A Complete Overview of the Fintech Company Transforming Digital Finance in India
In today’s fast-paced digital age, financial services are becoming more accessible than ever — and Dhani Services Limited stands at the forefront of this transformation. Formerly known as Indiabulls Ventures Limited, Dhani has evolved into one of India’s leading digital finance and healthcare platforms, offering a wide range of services including instant loans, credit lines, health subscriptions, and more.
Let’s explore what Dhani Services is, its journey, and how it is reshaping the way Indians manage money and wellness.
Dhani Services to Merge with Yaari Digital Tomorrow; October 28 Set as Update
Company Overview
Dhani Services Limited is a consumer business platform that combines financial and digital healthcare services under one roof. Headquartered in Gurugram, Haryana, the company operates through a fully digital app — the Dhani App — which allows users to manage finances, get instant loans, and even consult doctors online.
Dhani was launched by Sameer Gehlaut, the founder of Indiabulls Group, as part of the company’s diversification into consumer-centric digital services.
Key Focus Areas:
Personal and business loans
Credit line services
Dhani OneFreedom Card
Healthcare consultations
Online medicine delivery
Cashback and rewards programs
2. The Evolution: From Indiabulls Ventures to Dhani Services
Originally incorporated as Indiabulls Ventures Limited, the company primarily operated in financial and securities services. However, in September 2020, it underwent a major rebranding to become Dhani Services Limited, reflecting its shift toward digital-first consumer solutions.
The goal was simple — to make health and financial support accessible anytime, anywhere through a single super app.
3. Popular Dhani Offerings
a. Dhani OneFreedom Card
The Dhani OneFreedom Card is one of the platform’s flagship products. It functions as a credit line card that lets users spend first and pay later in easy installments with no hidden charges. Users can enjoy cashback rewards, discounts, and financial flexibility for daily expenses.
b. Instant Personal Loans
Through the Dhani App, customers can apply for instant personal loans ranging from ₹1,000 to ₹15 lakh. The approval and disbursement process is entirely digital, requiring minimal documentation and ensuring a fast turnaround.
c. Dhani Health Services
Dhani also provides telemedicine services, allowing users to consult certified doctors 24/7 via video calls. The app includes features for online medicine delivery, lab test booking, and discounted health packages, promoting convenient and affordable healthcare.
d. Dhani Pay
Dhani Pay is a digital wallet and prepaid card service that enables users to make secure online and offline transactions, recharge bills, and enjoy cashback offers.
4. How the Dhani App Works
The Dhani App is available on both Android and iOS platforms. Users can register using their mobile number, complete their KYC verification, and start using various financial and health services. The interface is simple, user-friendly, and designed to meet the needs of modern digital consumers.
App Features:
Instant credit approval
Health consultations within minutes
Cashbacks and reward programs
Secure payment options
24/7 customer support
5. Dhani’s Business Model and Vision
Dhani operates on a digital-first business model, leveraging technology to reduce physical infrastructure costs while providing value-added services to customers. Its core vision is to simplify access to finance and healthcare through an integrated digital ecosystem.
The company aims to expand its reach across Tier-2 and Tier-3 cities, bridging the gap between urban convenience and rural accessibility.
6. Dhani’s Impact on India’s Fintech Ecosystem
With its innovative product suite and tech-driven approach, Dhani has made a significant mark in India’s fintech landscape. The company has:
Simplified loan accessibility for individuals and small businesses
Encouraged cashless transactions through Dhani Pay
Expanded telemedicine adoption in semi-urban and rural areas
By combining finance and healthcare, Dhani represents a unique hybrid model that meets the dual needs of India’s growing digital population.
7. Challenges and Future Outlook
While Dhani has grown rapidly, it also faces challenges such as rising competition from other fintech startups like Paytm, Slice, and Cred. Ensuring data privacy, maintaining loan recovery efficiency, and expanding user trust remain key focus areas.
Looking ahead, Dhani Services aims to strengthen its financial products, expand its AI-based credit solutions, and enhance digital healthcare accessibility to millions of Indians.
Conclusion
Dhani Services Limited is more than just a fintech company — it’s a digital lifestyle enabler. By merging finance, healthcare, and technology, Dhani has created an ecosystem that empowers individuals to live smarter, healthier, and financially independent lives.
As India continues to embrace digital innovation, Dhani stands as a strong example of how technology can redefine essential services for the modern era.
AQs on Dhani Services Limited
1. What is Dhani Services Limited?
Dhani Services Limited is a digital finance and healthcare platform that provides services such as instant personal loans, credit line cards, digital payments, and telemedicine. It operates through the Dhani App, offering users a seamless experience to manage both their financial and health needs in one place.
2. Who is the founder of Dhani Services?
Dhani Services Limited was founded by Sameer Gehlaut, who is also the founder of the Indiabulls Group. The company was originally known as Indiabulls Ventures Limited before it was rebranded as Dhani Services in 2020.
3. What are the main products and services offered by Dhani?
Dhani’s key offerings include:
Dhani OneFreedom Card – a credit line card for easy, flexible payments.
Instant Personal Loans – quick digital loans with minimal documentation.
Dhani Health – 24/7 online doctor consultations and medicine delivery.
Dhani Pay – a prepaid wallet and digital payment solution.
Cashback and Rewards – exclusive offers and benefits for users.
4. How can users access Dhani’s services?
Users can download the Dhani App on Android or iOS, register with their mobile number, complete KYC verification, and instantly start using financial or healthcare services. The app provides instant loan approvals, doctor consultations, and secure payment features all in one platform.
5. What makes Dhani different from other fintech companies?
Unlike most fintech platforms, Dhani uniquely combines finance and healthcare services, giving users a one-stop solution for their daily lifestyle needs. Its focus on digital innovation, accessibility for Tier-2 and Tier-3 cities, and customer convenience sets it apart in India’s fintech landscape.
6. Is Dhani Services Limited an NBFC (Non-Banking Financial Company)?
Yes. Dhani Services operates through its subsidiary, Dhani Loans and Services Limited, which is a registered NBFC with the Reserve Bank of India (RBI). It provides instant personal loans, credit lines, and other financial services in compliance with RBI regulations.
7. How can I apply for a personal loan on Dhani?
To apply for a loan:
Download the Dhani App from Google Play or the App Store.
Register and complete your KYC verification.
Select “Instant Personal Loan.”
Enter your loan amount and tenure.
Upload minimal documents and get instant approval and disbursement to your bank account.
8. What is the Dhani OneFreedom Card and how does it work?
The Dhani OneFreedom Card offers users a credit line that allows them to “Spend Now, Pay Later” in easy EMIs. It comes with cashback rewards, zero hidden charges, and helps users manage daily expenses with financial flexibility.
9. What is Dhani Health and what does it offer?
Dhani Health provides online doctor consultations 24/7, medicine delivery, and discounted health packages. Users can connect with certified doctors through video calls and get prescriptions and medicines delivered to their doorstep.
10. How safe is Dhani Services for online transactions?
Dhani ensures user data protection with end-to-end encryption and secure payment gateways. Its RBI-registered financial arm and strict data security policies make transactions and personal information safe for all users.
11. Does Dhani offer cashback or reward programs?
Yes, Dhani users can earn cashbacks and reward points on transactions made through the Dhani App or Dhani Pay. These rewards can be redeemed for future purchases, medical consultations, or wallet recharges.
12. What are the future plans of Dhani Services?
Dhani Services aims to expand its AI-based credit solutions, strengthen its fintech and healthcare ecosystem, and increase penetration in Tier-2 and Tier-3 cities. The company’s long-term goal is to become India’s leading digital lifestyle and wellness platform
13. Who founded Dhani Services Limited?
Dhani Services Limited was founded by Sameer Gehlaut, the visionary entrepreneur behind the Indiabulls Group. His goal was to create a digital ecosystem that offers accessible financial and healthcare solutions to every Indian.
14. When was Dhani Services established?
Dhani Services was rebranded from Indiabulls Ventures Limited in September 2020, marking the company’s transition from a traditional financial services firm to a digital-first fintech and health-tech company.
15. Is Dhani a listed company?
Yes. Dhani Services Limited is a publicly listed company on both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) under the ticker symbol DHANI.
16. Does Dhani provide business loans or only personal loans?
Dhani primarily focuses on personal loans, credit line services, and consumer finance, but it also extends small business loans to eligible users, especially entrepreneurs and self-employed professionals.
17. How fast is the loan approval process at Dhani?
One of Dhani’s strongest features is its instant loan approval. Most eligible users receive loan disbursal within minutes after completing KYC verification and basic eligibility checks on the app.
18. Can I use Dhani Services without the Dhani App?
No. Dhani’s services are entirely app-based. Users must download the Dhani App on Android or iOS to access loans, healthcare services, or cashback features.
19. Are there any hidden charges in Dhani’s financial services?
No, Dhani promotes transparent pricing. Interest rates, processing fees, and repayment schedules are clearly displayed before users confirm their loan applications or activate any financial products.
20. Does Dhani offer EMI payment flexibility?
Yes. Dhani provides customizable EMI options, allowing users to select repayment tenures that best suit their income and budget, making financial management stress-free and flexible.
21. Can I get health insurance through Dhani?
While Dhani doesn’t directly provide traditional insurance policies, it offers Dhani Health subscriptions that include discounted medical consultations, lab tests, and medicines — providing users with affordable healthcare coverage.
22. How is Dhani contributing to India’s financial inclusion?
By offering instant credit access, telemedicine, and cashback-driven digital payments through one app, Dhani is bridging the urban-rural gap and empowering millions of Indians with financial inclusion and digital literacy.
23. What are Dhani’s key competitors in India?
Dhani competes with major fintech firms like Paytm, Cred, Slice, MoneyTap, Navi, and Kissht, along with new-age health-tech players like Practo and 1mg, given its hybrid finance-health model.
24. How can I contact Dhani Services customer support?
Users can reach Dhani’s 24/7 customer support via:
In-app chat support
Email: support@dhani.com
Toll-free number (available in the app)
Support covers queries related to loans, payments, and healthcare services.
25. What makes Dhani different from other fintech companies?
Unlike typical fintech platforms, Dhani uniquely combines finance, healthcare, and lifestyle services into a single ecosystem. This integration makes it not just a loan app, but a digital lifestyle platform that empowers financial independence and well-being.
