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DBS Personal Loan Eligibility

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Filters

ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

DBS Personal Loan Eligibility

DBS personal loan helps an individual to meet his diverse financial needs by instantly offers a loan upto Rs. 15 lakh. From a wedding to a medical emergency to home renovation to higher studies, everything can be managed by availing DBS personal loan. The paperless loan is offered to you along with flexible tenure, easy loan repayment option and attractive interest rate.

DBS Personal Loan – Eligibility Calculator

You can use the online eligibility calculator available at Paisabazaar for the calculating your loan eligibility accurately and quickly

Eligibility Criteria

  • You should be at least 22 years old
  • Your maximum age should be 60 years at the time of loan maturity
  • You should either be a salaried professional or a self- employed individual
  • Your minimum monthly income should be Rs. 20,000

What Are the Factors Affecting DBS Bank Personal Loan Eligibility?

Credit score:

A credit score is a 3- digit numeric summary that is calculated by credit bureaus to determine your credit- worthiness. In order to avail a DBS Bank personal loan, a credit score of 750 or more is required
Income: Whether you are a salaried professional or a self- employed individual, you need to have a regular source of income. DBS takes into consideration your take- home pay to know if you will be able to repay the loan on time or not. If your take-home pay is as low as Rs. 15,000 or Rs. 18,000, you might not be considered for a personal loan. Therefore, higher the income, higher will be the chances of availing a personal loan

Location:

The city you reside in also plays an important role in your personal loan eligibility as the minimum salary requirement various from cities to cities. The minimum salary amount is usually higher in metropolitan cities like Mumbai and Delhi/NCR as compared to other cities

Employer:

Having a government job or working for a reputed company for more than a year indicates stability and your chances of being eligible for a personal loan improves. If you keep on switches jobs after every 6-8 months or don’t work with a reputed organisation, you might not be approved for a DBS Bank personal loan

How to Improve Your DBS Bank Personal Loan Eligibility?

Maintain your credit score: Credit score is one of the most important factors that is taken into consideration while approving a personal loan. If your credit score is 750 or above, DBS Bank will consider you as a reliable applicant
Pay off your existing loans: While applying for a personal loan, ensure that you do not have existing loan payments. The lender might feel that you are already paying other EMIs and might not be able to repay one more loan on time

Pay your credit card bills on time: If you pay your credit card bills on time, you are considered disciplined with repayments and this gives a boost to your personal loan eligibility

Choose longer tenure: When you select a longer tenure, the lenders believe that you have the capacity to repay the loan for a longer duration and hence consider you credit worthy

Residential or commercial rental income: The income that you earn from the rent of a commercial or residential property, it is considered as a rental income. This income is an add- on to your monthly income and increase your eligibility

Documents Required

  • Proof of identity: Aadhaar card/passport/voter ID/Driver’s licence / ration card/ PAN card
  • Proof of address: Aadhaar Card/passport/voter ID/Ration Card
  • Proof of salary: Salary slips/bank account statements
  • Form 16 with information on income tax returns
  • Passport sized Photographs

Customer Care

You can call at 1860 267 1234 or 1800 209 4555
You can fill a form if you want a call from DBS customer care
You can book an appointment here

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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026
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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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