Get Instant Line of Credit & Online Ledger (Bahi Khata) - Dhani Dukaan

  • Line of Credit up to 1 Lakh
  • No collaterals required
  • Disbursal in 5mins

Dhani Dukaan

Indiabulls brings to you Dhani Dukaan App, which offers you Instant Line of Credit upto Rs.1 lac within 5 minutes, all you need is your PAN card, address proof & Business Existence Document. You can easily extend Credits to your regular customers and increase your sales.

An instant Payout up to Rs. 20,000 will be credited in your bank account at the time of onboarding. This Payout is helpful to start giving credits to customer and grow business. You will receive 80% of the credit value in your bank account, every day. This value could be as low as Rs.1000. You need to pay interest only on amount credited in your account and not on unutilized limit of line of credit.

Along with Instant Line of Credit Dhani Dukaan App also provides an Online Ledger for each of your customer. An online ledger is a digital bahi khata (ऑनलाइन बहीखाता), which helps you and your customers to manage the financial transactions easily.

Now, you can increase your sales by offering credit to your regular customers with Instant Line of Credit from Indiabulls Dhani Dukaan and manage the ledger online on your mobile for each customer, efficiently

How it works

STEP 1: Get Registered via Dhani Biz App –

Download the Indiabulls Dhani Biz app and select Dhani Dukaan option

STEP 2: Verification of Mobile Number

Enter your Mobile Number and you will receive an OTP for verification

STEP 3: Personal Details

Enter your Personal Details to get instant sanction of your line of credit

STEP 4: Enter KYC Details

Enter your KYC details, business verification proof, photograph of the shop & OTP to E-sign the documents

STEP 5: Disbursal of Instant Line of Credit

Enter your bank account details and receive an instant line of credit (which is 20% of your sanctioned amount) into your bank account.

STEP 6: Start giving credit to your customer using Dhani Dukaan

Once you are complete the registration process you will receive a link on your registered mobile number, through which you can Login to Dhani Dukaan App and enter your MPIN and start offering Credit to your customers and maintain online ledger or bahi khata(बही खाता)

Advantages for becoming Dhani Dukaan:

a) Instant Line of Credit:

With Dhani Dukaan you can receive instant line of credit of up to ₹ 1 Lakhs, anytime, anywhere.

b) Flexible Tenure Options:

Get flexible tenure options starting from 6 to 12 months

c) Build Loyalty with your valuable customers:

Offer credit to your customers and stay ahead of competition

d) Increase in Sales:

Boost your sales by offering credit services to the customers

e) No collaterals:

No collateral is required while registering with Dhani Dukaan

f) Pay Interest only on the Amount Used:

Interest will be applicable only on the amount used and not on the entire sanctioned amount.

g) Increase in Purchasing Power:

Dhani Dukaan can increase the purchasing power of your customer and thus consumption

h) Low Interest Rates:

Get interest rates starting as low as 1.99% p.m.

i) Easy Online Application

You can register easily using Dhani Biz and manage your bahi khata easily using Dhani Dukaan

j) Free online Ledger (bahi khata) for your all your customers:

  • Access to free Mobile app for managing bahi khata online
  • Maintain separate online ledger & transaction history for each customer, individually
  • Record customer purchases/payment on the click
  • Take online approval from customer to validate transaction
  • View customer transaction history and payment details on the go

Documents Required for Registration

  • a) PAN card
  • b) Valid Address Proof: Aadhaar, Passport, Driving License, Voter ID, Sales Deed Agreement, Rent Agreement, Bank Statement or Electricity Bill
  • c) Business Existence Proof: Shop and Estb. License or GST registration certificate
  • d) Property Ownership Proof (if owned): Property tax receipt, Electricity Bill, Registered Sale Deed, and Allotment letter from Devlp. Auth, Society Share Certificate, 7/12 extract, Index II, Name Change / Mutation Certificate, Sanctioned/Welcome letter(Home Loan)

Indiabulls Dhani Dukaan brings you a transparent & paperless way of managing credit (उधार) to your customer. So no more use of paper, pen and calculators and keep all records on your figure tips with Dhani Dukaan.