Our Products
MSME Loans
We would be giving loans to MSME entrepreneurs with average ticket size of 15 lacs for their business. Average age would be 30-45 years.
For:
Small business owners and entrepreneurs, typically aged 30–45
What it’s for:
Workingcapital, inventory, equipment, or expansion funding
Ticket size:
Average ₹15 lakh(customized to business need)
Why DhanSarthi:
We assess real cash flow and businessperformance — not just collateral — so approvals reflect how your business actually earns.
Key features:
Fast, digital application and document upload
Flexible repayment aligned to business cash cycles
Minimal collateral requirements
Dedicated relationship support through the loan tenure
Eligibility at a glance:
Age 25–58 at loan maturity
Business vintage: typically 2+ years (case-by-case for younger businesses with strongcash flow)
Indian resident, proprietorship / partnership / private limited entity
Documents typically required:
KYC (Aadhaar, PAN) of applicant and co-applicant (if any)
Business registration proof (GST, Udyam/MSME registration, shop & establishmentlicense, etc.)
Last 12 months’ bank statements
Latest ITR / financial statements, where applicable
Indicative process timeline:
Application → Document upload → Credit assessment→ Sanction letter → Disbursal, designed to move at the pace of a business decision, not abureaucratic one.
Skill development loans
We would be extending loans to students/professionals for upgrading their skills (i.e. foreign language, etc). Average age would be 25 to 40 years
For:
Students and working professionals, typically aged 25–40
What it’s for:
Certifications,foreign language courses, professional upskilling, vocational and industry-recognizedtraining programs
Why DhanSarthi:
An investment in your own skills shouldn’t wait onsavings. We finance the courses that finance your next career move.
Key features:
Loan tenure aligned to course duration
Coverage for both offline and recognized online programs
Fast approval, synced with enrollment deadlines
EMI structures that start only once you’re earning from the new skill, where applicable
Eligibility at a glance:
Age 18–45
Admission or enrollment confirmation from a recognized institute/platform
Co-applicant (parent/guardian/spouse) may be required depending on income profile
Documents typically required:
KYC of applicant and co-applicant
Admission/enrollment letter and fee structure from the institute
Income proof of applicant or co-applicant (salary slips, ITR, or bank statements)
Courses commonly financed:
professional certifications, GenAI/data/techupskilling, foreign language programs, executive education, vocational and industry-specific training.
Insurance premium financing
We would finance the mediclaim premium of an individual. Instead of paying the whole amount together, we will give pay the insurance company on the clients behalf and split the same in EMI structure. This we are open for all age categories
For:
All age groups — individuals and families managing annual mediclaim costs
What it’s for:
Converting a lump-sum annual insurance premium into manageable monthly EMIs
Why DhanSarthi:
We pay your insurer directly and you repay us in easy installments — soa large annual outlay never forces you to under-insure.
Key features:
No disruption to your existing insurance policy or insurer
Transparent EMI schedule fixed at the start
Fast processing, aligned to your policy renewal date
Eligibility at a glance:
Existing or renewing health/mediclaim policyholder
Valid KYC and stable income source (salaried, self-employed, or pension)
Documents typically required:
KYC (Aadhaar, PAN)
Insurance policy/renewal premium notice
Bank statement or income proof for EMI eligibility
Hospital bill discounting
We would finance people who would not be having cashless facilities. Where the individual has to pay first, get discharge and then is reimbursed by the insurance company. Average age group 20 to 50 years. Can go above 50 also in some cases
For:
Patients and families, typically aged 20–50+ (case-by-case consideration beyond 50)
What it’s for:
Bridging the gap between hospital payment and insurance reimbursement,especially where cashless facilities aren’t available
Why DhanSarthi:
Treatment decisionsshouldn’t wait on paperwork. We finance the bill upfront so your family can focus on care,not cash flow.
Key features:
Rapid turnaround built for time-sensitive medical situations
Flexible repayment once reimbursement comes through
Simple documentation — hospital bill, insurance details, and standard KYC
Eligibility at a glance:
Patient or immediate family member with valid KYC
Hospital bill/estimate from a recognized healthcare provider
Existing insurance policy (for reimbursement-linked cases) or stable income source(for non-insurance cases)
Documents typically required:
KYC of applicant
Hospital bill / cost estimate
Insurance policy details (if applicable)