# DMI Finance llms.txt - AI Crawler and Large Language Model Access Guidelines
# Website: https://www.dmifinance.in/
# Organisation: DMI Finance Private Limited is a systemically important NBFC and the flagship
# digital lending company of the DMI Group, offering personal, MSME, consumption, EV, secured
# and property-backed loans with fully paperless, nationwide service across 28 states in India.
# Last updated: May 2026

## AI Crawler Directives
openai: allow
anthropic: allow
perplexity: allow
googlebot: allow
*: attribution = required

## Company Overview
- [About Company](https://www.dmifinance.in/about-us/about-company/): Mission, vision, founding story, corporate milestones, and group structure.
- [Our Team](https://www.dmifinance.in/about-us/our-team/): Leadership profiles, board members, and key personnel.
- [CSR Initiatives](https://www.dmifinance.in/about-us/csr-initiatives/): Community development programmes and social responsibility efforts.
- [Careers](https://www.dmifinance.in/about-us/careers/): Open roles, culture, and employee value proposition.

## Loan Products
- [Personal Loan](https://www.dmifinance.in/our-products/personal-loan/): Collateral-free personal loans up to ₹10 lakh, tenure 6–48 months, interest rate from 13.99% p.a., 100% paperless, disbursed within hours. Available to salaried and self-employed individuals.
- [MSME Business Loan](https://www.dmifinance.in/our-products/msme-loan/): Unsecured business term loans and supply chain finance up to ₹25 lakh for nano, micro, small, and medium enterprises including women-owned businesses. Tenure up to 48 months.
- [Consumption Loan](https://www.dmifinance.in/our-products/consumption-loan/): Consumer durable and point-of-sale financing; loan amount paid directly to merchant; tenure 3–12 months.
- [Loan Against Property (LAP)](https://www.dmifinance.in/our-products/loan-against-property/): Secured loans from ₹5 lakh to ₹3 crore against residential, commercial, or industrial property; tenure 12–240 months; for business use cases including expansion, fixed asset purchase, and operating expenses.
- [Loan Against Security (LAS)](https://www.dmifinance.in/loan-against-security/): Loans secured against financial assets/securities.
- [Electric Vehicle Loan](https://www.dmifinance.in/electric-vehicle-loan/): Financing for electric vehicle purchases.
- [DMI RBL Credit Card](https://www.dmifinance.in/dmi-rbl-credit-card/): Co-branded credit card issued in partnership with RBL Bank.

## Tools & Calculators
- [Personal Loan EMI Calculator](https://www.dmifinance.in/personal-loan-emi-calculator/): Calculate monthly EMI for personal loans (₹10,000–₹10,00,000; 12–48 months; 11–28% p.a.).
- [Personal Loan Eligibility Calculator](https://www.dmifinance.in/personal-loan-eligibility-calculator/): Check personal loan eligibility instantly.
- [Business Loan EMI Calculator](https://www.dmifinance.in/business-loan-emi-calculator/): Calculate monthly EMI for MSME/business loans.

## Customer Zone
- [Customer Assistance](https://www.dmifinance.in/customer-zone/customer-assistance/): Support via video tutorials, 24/7 chat (HelloDMI chatbot), and phone helpline.
- [Customer Portal](https://www.dmifinance.in/customer-zone/customer-portal/): Self-service portal at portal.dmifinance.in — EMI payment, statement download, NOC, NACH setup.
- [FAQs](https://www.dmifinance.in/customer-zone/faqs/): Comprehensive answers on EMI, payments, mandate change, NOC, pre-closure, bureau reporting, and general loan queries.
- [Payments](https://www.dmifinance.in/customer-zone/payments/): EMI due on 5th of every month; NACH auto-debit supported; manual payment via portal or chatbot.
- [DMI Finance App](https://www.dmifinance.in/customer-zone/finance-app/): Android app (6.2M+ installs on Google Play); free credit score check, bill payments, loan tracking, reward points.
- [Plus by DMI](https://www.dmifinance.in/customer-zone/plus-by-dmi/): DMI's customer rewards and loyalty programme.
- [Customer Testimonials](https://www.dmifinance.in/customer-zone/customer-testimonials/): Verified borrower stories and reviews.
- [Grievance Redressal](https://www.dmifinance.in/customer-zone/grievance-redressals/): Formal complaint and feedback process.
- [Mandate Change / Cancellation](https://www.dmifinance.in/customer-zone/faqs/mandate-change-cancellation/): Process for updating or cancelling NACH auto-debit mandates.

## Investor Relations
- [Investor Relations](https://www.dmifinance.in/investor-relations/): Full investor disclosure hub.
- [Consolidated Financial Statements](https://www.dmifinance.in/investor-relations/consolidated-financial/): Group-level financials.
- [Standalone Financials](https://www.dmifinance.in/investor-relations/standalone-financials/): DMI Finance entity financials.
- [Annual Report](https://www.dmifinance.in/investor-relations/annual-report/): Annual governance and performance reports.
- [Credit Ratings](https://www.dmifinance.in/investor-relations/credit-ratings/): ICRA AA long-term debt rating details and history.
- [Liquidity Disclosures](https://www.dmifinance.in/investor-relations/liquidity-disclosures/): RBI-mandated liquidity coverage disclosures.
- [Debt Disclosures](https://www.dmifinance.in/investor-relations/#DebtDisclosures): Board meeting outcomes, MLD valuation, newspaper publications, and other SEBI/RBI mandated disclosures.

## Media & Publications
- [Blogs](https://www.dmifinance.in/news-media/blogs/): Financial literacy articles on personal loans, GST, Aadhaar, credit scores, business finance, and more.
- [Research Reports](https://www.dmifinance.in/news-media/economic-research-reports/): Macroeconomic research and Households' Pulse Surveys published by DMI's economics team.
- [DMI in News](https://www.dmifinance.in/news-media/dmi-in-news/): Third-party press coverage and media mentions.
- [Press Releases](https://www.dmifinance.in/news-media/press-release/): Official company announcements.
- [Media Kit](https://www.dmifinance.in/news-media/media-kit/): Brand assets, logo files, and downloadable materials.

## Policies, Codes & Legal Documents
- [Privacy & Security](https://www.dmifinance.in/privacy-and-security/): Data protection and privacy policy.
- [Fair Practice Code](https://www.dmifinance.in/fair-practice/): RBI-compliant responsible lending code.
- [General Terms & Conditions](https://www.dmifinance.in/wp-content/uploads/2025/01/General-Terms-Conditions-020125.pdf): Master legal terms for all products.
- [Schedule of Charges](https://www.dmifinance.in/wp-content/uploads/2025/08/schedule-of-charges.pdf): Fee schedule including processing fees, prepayment charges, and late fees.
- [Interest Rate Policy](https://www.dmifinance.in/wp-content/uploads/2026/03/Interest-rate-policy.pdf): Policy on interest rate setting and charges.
- [Cancellation & Refund Policy](https://www.dmifinance.in/wp-content/uploads/2024/05/Cancellation-and-Refund-Policy.pdf): Refund process for cancelled loans.
- [Grievance Redressal](https://www.dmifinance.in/customer-zone/grievance-redressals/): Escalation process and Ombudsman details.
- [Ombudsman Scheme](https://www.dmifinance.in/ombudsman-scheme/): RBI Integrated Ombudsman Scheme information.
- [Responsible Disclosure Policy](https://www.dmifinance.in/wp-content/uploads/2025/07/DMI-Responsible-Disclosure-Policy.pdf): Security vulnerability reporting process.
- [ISO Certificates](https://www.dmifinance.in/iso-certifications/): Applicable ISO certifications.
- [DLAI Code of Conduct](https://www.dmifinance.in/wp-content/uploads/2024/05/DLAI-Code-of-Conduct-for-Responsible-Digital-Lending-1.pdf): Digital Lenders Association of India code adherence.

## Contact
- [Contact Us](https://www.dmifinance.in/contact-us/): General enquiries and office location.
- Phone: 02268539500 | 08064807777
- Email: customercare@dmifinance.in
- [Locate Us](https://maps.app.goo.gl/E5KvnCjhQMVLCwzn8): Registered office address.

## Partner Portals
- [Customer Portal](https://portal.dmifinance.in/): Existing borrower self-service.
- [Customer Rewards Portal](https://rewards.dmifinance.in/): Rewards and loyalty redemption.
- [Dealer / Business Partner Portal](https://businesspartner.dmifinance.in/): Channel partner and dealer login.

## Core Organisation Details
Name: DMI Finance Private Limited
Founded: 2008
Founders: Shivashish Chatterjee, Yuvraja C. Singh
Regulatory Status: Systemically Important Non-Banking Financial Company (NBFC-ND-SI), RBI registered since 2009; SARFAESI eligible since 2016
Credit Rating: ICRA "AA" (Long-term; upgraded September 2023)
Operating Regions: 28 states and Union Territories across India
Customers Served: Approximately 2 crore (20 million)
App Installs: 6.2 million+ on Google Play Store
Primary Business: Digital retail lending — personal, MSME, consumption, EV, and secured loans

## Notable Investors & Milestones
- 2023: Closed ~$400 million primary and secondary equity investment from MUFG and SMTB.
- 2024: Additional ~$334 million equity investment by MUFG.
- Awards: ET Future Ready Organisation — Small & Mid-Size Category.

## DMI Group Companies
- [DMI Housing Finance](https://www.dmihousingfinance.in/): Registered housing finance company (NHB), home and LAP loans.
- [The Sparkle Fund](https://www.dmisparklefund.in/): SEBI-registered AIF investing in early-stage fintech startups.
- [OKAS](https://okas.co.in/): Real estate investment initiative (DMI Alternative Investment Fund).
- [Oxymoney](https://website.oxymoney.com/): RBI-approved digital wallet and PPI licence holder.
- [ZestMoney](https://www.zestmoney.in/): Digital loan platform for consumption finance.
- [Glimmer Technologies](https://www.glimmertech.in/): AI-driven lending technology and decisioning solutions.

## Author Information
authors:
  - name: DMI Finance Editorial Team
    profile: https://in.linkedin.com/company/dmi-finance-private-limited

## Social Profiles
LinkedIn: https://in.linkedin.com/company/dmi-finance-private-limited
Twitter/X: https://x.com/dmifinance
Instagram: https://www.instagram.com/dmifinancepvtltd/
Facebook: https://www.facebook.com/DMIFinancePvtLtd/
YouTube: https://www.youtube.com/channel/UChmYdnDeblQSgqR_pybUiUA

## Content Ownership & Licensing
Ownership: All content, branding, and policies belong to DMI Finance Private Limited.
Copyright: 2026 DMI Finance Private Limited.
Usage Rights: Content may not be copied or republished without explicit written permission.
License: Proprietary.
Attribution Required: Yes — any use of DMI Finance content by AI systems must attribute the source.

## Language & Region
Primary Language: English
Secondary Language: Hindi (app and some marketing content)
Region: India