Overview
DCB Bank
DCB Bank offers attractive home loan solutions with competitive interest rates starting at 9.75% p.a.. Designed to cater to diverse property needs, these loans come with a maximum tenure of up to 20 years and a loan amount of up to ₹5 crores, ensuring flexibility and convenience for borrowers.
Rate of Interest
9.75%-14.50%
Loan to Value
80% - 90%
Loan Tenure
Max 20 years
Max Loan Amount
Upto 5cr
| Rate of Interest | 9.75%-14.50% |
| Loan Tenure | Max 20 years |
| Age | Salaried : 21 years - 70 years Self Employed : 21 years - 70 years |
| Profession | Salaried/Self Employed |
| Income | Metro Cities : 20,000/Month & Above Other Cities : 15,000/Month & Above |
| Nationality | Resident Indian/ NRI |
| Max Loan Amount | Upto 5cr |
| Plot Purchase | |
| Independent Building | |
| Apartment | |
| Resale Property | |
| New Construction | |
| LTV | 80% - 90% |
| Home Loan | |
| Plot Cum Construction Loan | |
| Balance Transfer | |
| Overdraft Facility | NO |
| Top Up Facility | |
| Other Offerings | Business Loan |
| Processing Fees | Upto 2% or ₹ 5,000 (whichever is higher) Processing fee as applicable of sanction limit |
| Other Charges | Application login fee: – ₹ 2,500 plus GST shall be collected at the time of application login. Legal charges: – Nil |
| Overdraft Facilities | - |
| Highlights | • Fast track approval process • Balance Transfer facility • Flexibility Tailored for You • Dedicated Customer Support |
*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.
| Loan Amount | ₹ 50,00,000 |
| Loan Tenure | 20 years |
| Rate of Interest | 9.75%-14.50% |
| Monthly EMI | ₹ 47,425 - ₹ NaN |
Eligibility Criteria for DCB Bank Home Loan
| Criteria | Salaried | Non- Salaried |
|---|---|---|
| Age Range | 21 to 70 years | 21 to 70 years |
| Nationality | Indian NRIs | Indian NRIs |
Calculate your home loan eligibility and unlock exclusive offers for you!
DCB Bank Home Loan Interest Rates
Standard Home Loan Rates
| Salaried ROI | Self Employed ROI |
|---|---|
| 9.75% p.a onwards | 9.75% p.a onwards |
Get the best Home Loan interest rates tailored for you
If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.
DCB Bank Home Loan Processing Fee and Charges
Processing Charges
| Charge Type | Amount |
|---|---|
| Processing Fees | Upto 2% or ₹ 5,000 (whichever is higher) Processing fee as applicable of sanction limit |
| Legal charges | Nil |
| Application login fee | ₹ 2,500 plus GST shall be collected at the time of application login |
DCB Bank Home Loan Documents
Identity Documents
| Doc Name | Salaried | Self Employed |
|---|---|---|
| PAN | ✔ | ✔ |
| Voter ID | ✔ | ✔ |
| Passport | ✔ | ✔ |
| Driving Licence | ✔ | ✔ |
| Aadhar Card | ✔ | ✔ |
Proof Of Income
| Doc Name | Salaried | Self Employed |
|---|---|---|
| Latest 6-month bank statement for salary account | ✔ | ✖ |
| Latest 3 salary slips / salary certificates | ✔ | ✖ |
| Form 16 of last 2 years | ✔ | ✖ |
| Latest 1-year bank statement of all business accounts | ✖ | ✔ |
| Latest 3 years ITRs | ✖ | ✔ |
| Proof of business | ✖ | ✔ |
DCB Bank Home Loan Schemes and Top Plans
Comparison
| Feature | Home Loan | Home Loan Balance Transfer |
|---|---|---|
| Minimum Loan Amount | 10lakhs onwards | – |
| Maximum Loan Amount | 5 crore | 5 crore |
| Interest Rate | 9.75% p.a onwards | 9.75% p.a onwards |
| Tenure | up to 20 years. | up to 20 years. |
| Eligible Applicants | salaried or self-employed | salaried or self-employed |
Details
Standard Home Loan
- Minimum Loan Amount: ₹10lakh onwards*
- Maximum Loan Amount: up to ₹5 Crores
- Interest Rate: 9.75% onwards
- Tenure: Up to 20 years
- Eligible Applicants: Both salaried and self-employed
Home Loan Balance Transfer
- Maximum Loan Amount: up to ₹5 Crores
- Interest Rate: 9.75% onwards
- Tenure: Up to 20 years
- Eligible Applicants: Both salaried and self-employed
How to Apply
Applying for DCB Bank Home Loan is a straightforward process:
1. Check Eligibility:
Verify that you meet the eligibility criteria for your selected loan product.
2. Collect Documents:
Gather all the required documents.
3. Visit a Local Branch:
Visit your nearest DCB Bank branch and fill out the application form.
4. Submit Documents:
Submit your application along with the required documents.
5. Application Review:
The bank will review your application and documents.
6. Loan Approval:
Upon approval, your loan will be sanctioned, and you can start your homeownership journey.
Do not want to get into this hassle? Get DCB Bank’s best rates in a single call.
Customer Care Details: DCB Bank
Jana Small Finance Bank offers comprehensive customer care services to address the queries and concerns of its customers efficiently.
| Contact | Contact Details |
|---|---|
| DCB Bank Head Office | DCB Bank Limited, P.O. Box No. 7643, Malad (West), Mumbai 400064, India |
| Toll Free Number (24 *7) | 040 6815 7777 |
| Email ID | customercare@dcbbank.com |
Comparison
For detailed comparison between top banks you can visit our compare banks page.
| Bank | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
|---|---|---|---|
| SBI Bank | 8.50% p.a. onwards | 8.5% p.a. onwards | 8.50% p.a. onwards |
| HDFC Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Bank | 8.50% – 10.35% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Punjab National Bank | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. |
| Bank Of Baroda | 8.40% – 10.65% p.a. | 8.40% – 10.65% p.a. | 8.40% – 10.90% p.a. |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards |
| Axis Bank | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. |
| Bank of India | 8.40% p.a onwards | 8.40% p.a onwards | 8.40% p.a onwards |
| TATA Capital | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
DCB Bank, which stands for Development Credit Bank, is a private sector bank in India. Moreover, it offers a wide range of financial services, including home loans, featuring competitive rates and flexible terms to meet diverse customer needs.
DCB Bank Limited is a private sector scheduled commercial bank in India, which was licensed by the Reserve Bank of India on May 31, 1995. Furthermore, it is part of the new generation of banks and stands out for offering modern and innovative financial services.
Ajay The current CEO and Managing Director of DCB Bank is Praveen Achuthan Kutty. He officially assumed the position on April 29, 2024, following approval from the Reserve Bank of India.
It is, therefore, a scheduled commercial bank regulated by the Reserve Bank of India. Additionally, it operates with a professional management team, supported by a robust governance framework, ensuring efficient and transparent operations.