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DCB Bank Business Loan

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Highlights of DCB Bank Business Loan

Interest Rate 9.95%-17.00%
Loan Amount As per the applicant’s credit profile
LTV ratio Up to 100% of property value
Tenure Up to 15 years
Processing Fee Up to 5% of loan amount

Note: Rates as of 8th November 2024

DCB Bank Business Loan Interest Rates

For Salaried-

Loan Amount Interest Rate (p.a.)
Up to Rs 10 lakh 9.95%-14.00%
Rs 10 lakh-Rs 15 lakh 9.95%-13.50%
Rs 15 lakh-Rs 20 lakh 9.95%-13.00%
Rs 20 lakh-Rs 30 lakh 9.95%-12.50%
Rs 30 lakh-Rs 50 lakh 9.95%-11.30%
Rs 50 lakh-Rs 75 lakh 9.95%-11.30%
Above Rs 75 lakh 9.95%-11.30%

For Self-employed-

Loan Amount Interest Rate (p.a.)
Up to Rs 10 lakh 9.95%-17.00%
Rs 10 lakh-Rs 15 lakh 9.95%-16.00%
Rs 15 lakh-Rs 20 lakh 9.95%-14.50%
Rs 20 lakh-Rs 30 lakh 9.95%-14.50%
Rs 30 lakh-Rs 50 lakh 9.95%-12.50%
Rs 50 lakh-Rs 75 lakh 9.95%-12.00%
Above Rs 75 lakh 9.95%-12.00%

DCB Bank Business Loan Fees and Charges

DCB Business Loan/Micro Business Loan

Processing Fees Up to 2% of loan amount (Min Rs 10,000)
Part prepayment and Full prepayment For individuals where purpose is other than business with or without co-applicant-

  • No lock in period
  • For Floating rates- NIL

For loans other than above mentioned purposes-

  • Lock in period-6 months
  • For part fixed + part floating interest rate- part prepayment charges on fixed rate period
  • For part fixed + part floating interest rate on completion of 6 months from date of full disbursement- NIL up to 25% of outstanding principal

For Full Prepayment-

  • Not allowed in the first 12 months from the date of full disbursement
  • For part fixed + part floating interest rates- prepayment charges applicable only during fixed rate period
  • On completing 1 year from the date of full disbursement charges levied on principal outstanding

Charges for part prepayment or full prepayment of Loan-

Tenure Business Loan Charges
Up to 2 years fixed 4%
Above 2 years fixed 6%
Floating 4%
Penal Interest 3% per month
Cheque/ECS Swap Charge Rs 500 per event
Cheque Bounce Charge Rs 750 per event
Amortization Schedule Rs 100 per event
Foreclosure Statement Rs 100 per event
Duplicate ‘No Objection Certificate’/’No Dues Certificate’ Rs 100
Loan Agreement Copy Rs 500

DCB Gold Loan

Processing Fees Up to 2% of loan amount
Collection Charges
  • Borrower committing default in the repayment of loan dues- Rs 100
  • Amount per visit made to recover these dues and the cost thereof borne by the borrower- Rs 250
Cheque/ECS Swap Charge Rs 500 per event
Cheque Bounce Charge Rs 750 per event
Amortization Schedule Rs 100 per event
Foreclosure Charges DCB Gold Overdraft facility-1% of sanctioned limit.DCB Gold Term Loan facility-1% of Loan outstanding amount
Late Payment Charges 3% per month
Cheque bounce charge, other party cheque in case of OD Rs 60

DCB Commercial Vehicle Loan

Processing Fees
  • New Vehicle: Up to 2% of the loan amount, subject to a minimum of Rs 5000/-
  • Used Vehicle: Up to 5% of the loan amount, subject to a minimum of Rs 5000/-
Prepayment Charges
  • 4% of principal outstanding
  • Interest outstanding for unexpired period of the loan
  • Part prepayment not allowed
Penal Interest 3% per month
Cheque/ECS Swap Charge Rs 500 per event
Cheque Bounce Charge Rs 750 per event
Amortization Schedule Rs 100 per event
Prepayment Statement Charges Rs 100 per event
Duplicate NOC Charges Rs 100
Revalidation of NOC Charges Rs 100

DCB Bank has not specified the fees and charges for other DCB Bank Business Loan products. However, the fees and charges for those Business Loan products may vary depending on the loan facility to be availed and nature of business.

Types of DCB Bank Business Loans

DCB Business Loan

Purpose: To fulfil all the monetary requirements for business expansion, working capital deficit or personal requirements such as marriage, travel, education, medical emergencies and property renovation.

LTV Ratio: Up to 100% of property value

Tenure: Up to 15 years

DCB Micro Business Loan

Purpose: To cater to all the financial requirements such as business expansion, debt consolidation, working capital deficit or personal requirements.

LTV Ratio: Up to 65% of property value

Tenure: Up to 10 years

DCB Gold Loan

Purpose: These loans are offered against gold ornaments to meet the business requirements of applicants. EMI based term loans are also offered to applicants under this product.

Loan Amount: Rs 10,000-Rs 20 lakh

LTV Ratio: Up to 75% of the appraised gold value

Tenure: Up to 5 years

DCB Commercial Vehicle Loan

Purpose: DCB Bank offers Commercial Vehicle Loans to finance heavy and medium commercial vehicles, light commercial vehicles, small commercial vehicles as well as school and passenger buses to meet the business and commercial expenses.

Loan Amount: Up to Rs 3 crore

LTV Ratio: Up to 100% of asset cost to select customers

Tenure: Up to 5 years

DCB Working Capital Loan

Purpose: DCB Bank offers business loans for working capital, corporate businesses, bill discounting, cash credit, etc. at variable interest rates linked to the Base Rate of the Bank.

Loan Amount: As per the applicant’s credit profile

Term Loan

Purpose: These loans are offered for Project financing, Lease Rental Discounting or Capex Finance

Tenure: Up to 7 years for Term Loan and up to 9 years for Lease Rental Discounting

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DCB Trade Finance

Domestic Trade Finance

DCB Bank Letter of Credit

  • DCB Bank issues Letter of Credit on behalf of the applicant in favour of its domestic supplier to take care of the cash flow concerns of the supplier without affecting the applicant’s cash flow management
  • The bank uses the SFMS platform to issue the applicant’s Letter of Credit that ensures greater safety, authenticity and faster delivery of L/C to the applicant’s supplier
  • DCB Bank helps in structuring L/C instruments as per the applicant’s business requirements and provides documentation assistance from its trade experts
  • The bank issues Revolving L/C, Regular L/C, Standby L/C, etc. for goods and services as per the applicant’s business requirements

DCB Bank Guarantee

DCB Bank issues different types of Bank Guarantees on behalf of the applicant to fulfil his business and other requirements. The various bank guarantee facilities offered by the bank include:

  • Financial guarantee
  • Performance guarantee
  • Deferred Payment guarantee
  • Advanced payment guarantee
  • Bid Bond
  • Capital and Commodity Market Guarantee for Brokers
  • Specific purpose based guarantee

DCB Bank Bill Discounting

  • DCB Bank discounts trade bills drawn under Letters of Credit issued by various scheduled commercial banks. Bill discounting against L/C provides instant funds to the applicant against his future receivables at a lower cost and no additional collateral. The discounted value of the bills are provided to the suppliers.
  • The bank also discounts the non-L/C sales bills. This provides funds upfront against the future trade receivables of the applicant. Non-L/C drawee bill discounting and vendor financing helps in managing the cash flow cycle of suppliers and vendors
  • DCB Bank provides documentation assistance from its trade experts
  • The bank also provides finance to the applicant’s vendors against the goods supplied by them

DCB Bank Invoice Discounting

Purpose: It is a type of short-term borrowing often used by a business entity to improve its cash flow position and working capital. The client gets cash instantaneously, giving their business cycle a better momentum. The borrower pays interest only on the amount used.

Loan Amount: Rs 1 lakh- Rs 10 lakh

Tenure: 15 days-90 days

DCB Bank Bill Collection

Bill Collection is one of the most conventional methods of payment in local trade and DCB Bank acts as the trusted bill collecting agent. The applicant needs to present its inward trade documents to DCB Bank and the payment is remitted to the seller as per applicant’s instructions through NEFT/RTGS/Banker’s Cheque/DD.

DCB Bank International Trade Finance

DCB Bank Import Solutions

Advance Import Payment

  • DCB Bank remits payment of the applicant’s import consignment in advance to the supplier
  • The transaction cost is less as compared to Letter of Credit or Collection Bills
  • The bank also provides documentation assistance through its trade experts
  • The bank arranges for status reports of the applicant’s suppliers, thereby, reducing the risk of goods delivery

Direct Import Payment

  • The bank remits payment only after taking complete delivery of goods
  • The applicant has full control over its import transactions
  • The supplier can extend automatic credit period for making payments
  • Transaction cost is less compared to L/C or Collection Bills
  • DCB Bank also provides documentation assistance from its trade experts

    Collection Bills

    • Under this method, the seller forwards the shipping documents to the applicant through its banker against which the applicant makes payment of its import consignment
    • The bank intimates the applicants regarding the arrival of their shipping documents at the bank’s counters through the most expeditious means
    • Transaction cost is less as compared to L/C
    • DCB Bank’s trade experts provide documentation assistance to its applicants
    • Booking a forward contract for import bill payments which protects the applicants from foreign exchange rate fluctuations

    Letters of Credit

    • This is a globally accepted financing instrument issued in favour of the supplier. DCB Bank commits to make payments under L/C to the supplier. The applicant can also negotiate for better pricing with the supplier through this instrument.
    • Documentation assistance is provided through trade experts
    • The bank also arranges status reports of the overseas suppliers
    • It has a strong network of correspondent banks across the globe to advise the L/Cs faster
    • Issuance of regular L/C, revolving L/C, standby L/C, etc. as per the applicant’s requirements, for both capital and non-capital goods and services
    • The applicant can book a forward contract for import bill payment to protect themselves from foreign exchange rate fluctuations

    Trade Credit

    The applicant or its overseas supplier can avail credit against its import transaction through the following products:

    • Buyer’s Credit: The bank addresses funding gaps in the applicant’s trade cycle by arranging buyer’s credit for their import payments
    • Supplier’s Credit: The bank also arranges supplier’s credit against its L/Cs at the location of exporter customers through its string network of correspondents

    The features of DCB Bank Trade Credit facility are mentioned below:

    • DCB Bank issues letter of undertaking on behalf of the applicant against which a foreign lender extends buyer’s credit.
    • The applicant also gets an extended credit period for making payments.
    • The applicants can negotiate with the exporter and get a better pricing, thereafter, avail buyer’s credit.
    • Documentation made easy with the assistance of trade experts
    • The applicants can book forward contracts for loan repayment to protect them from foreign exchange rate fluctuations.

    DCB Bank Export Solutions

    Pre-shipment export finance

    DCB Bank offers finance against confirmed order/LC, to procure, manufacture, process and package the export consignment. Concessional interest rates are available for up to 360 days. The bank also provides documentation assistance from its trade experts.

    Post-shipment export finance

    DCB Bank extends credit to overseas buyer without hampering the applicant’s cash flow by financing export sales receivables. Different credit options available are:

    • Negotiation of export bills under LC
    • Advances against deemed exports
    • Purchase/discount of export bills not under LC
    • Rupee advances against export bills sent on collection
    • Export bill rediscounting in foreign currency

    Credit is available in Indian Rupee as well as foreign currencies. The bank checks the documents of the applicant for compliance of L/C terms, before forwarding the same to the bank issuing L/C.

    Export Bill for Collection

    • The bank forwards the export documents to the buyer’s bank in an expeditious manner.
    • The bank releases the documents to the buyer only on payment or against acceptance to make payment on due date.
    • The bank collects the payment and credits it to the applicant’s account.
    • This process is more effective than Letter of Credit
    • It offers greater payment security as compared to open account system since the documents will not be released from the buyer’s bank pending payment or acceptance of payment.

    Advance against Export

    DCB Bank facilitates receipt of export payment and ensures faster credit to the applicant’s account. The bank also provides documentation assistance from its trade experts.

    Export Letter of Credit Advising

    • The overseas importer client issues an export L/C in favour of the applicant.
    • The export L/C is checked for authenticity to ensure transaction safety and payment security.

    Eligibility of DCB Bank Business Loan

    For DCB Bank Commercial Vehicle Loan

    • Loans are offered to individuals, proprietors, companies, trust, partnership firms, Limited Liability Partnership and society
    • Minimum age of the applicant at the time of loan application should be 21 years and that at the time of loan maturity should be 65 years
    • The applicant should not be into same business line for at least 2 years
    • Financial viability or cash generation potential should be 1.3 times for transporter segment
    • External guarantor is preferred
    • The applicant should have an excellent repayment track with some financer

    DCB Bank has not specified the eligibility criteria of its other Business Loan products. However, the eligibility criteria for those Business Loan products may vary depending on the nature of the business and loan facility to be availed.

    Documents Required for DCB Business Loan

    • Completely filled application form signed by the applicant and co-applicant, and Annexure R for beneficial owner as and when required
    • Latest passport sized coloured photograph of the applicant and co-applicant signed across
    • Identity Proof/Address Proof (any one)- Aadhar card, passport, driving license, voter ID, PAN card, NREGA card, letter issued by National Population Register
    • Age Proof (any one)- LIC Policy, Birth Certificate, PAN card, Aadhar card, School Leaving Certificate, any Government ID card, Passport
    • Bank statement of salary account for last 6 months
    • Latest 1 year bank statement of all business accounts or any other bank accounts from where EMI is deducted
    • Salary slips or salary certificates for last 3 months
    • ITR for last 3 years with income computation and certified financials and all annexure/supporting documents if any
    • Latest 2 GST returns if applicable
    • Statutory license/trade license and other supporting documents
    • Qualification Proof- Copy of highest professional degree for professionals
    • Statement or repayment track record for all existing loan accounts

    For DCB Gold Loan

    • Application form with self-attested photograph
    • Address Proof- Ration card/ electricity bill/telephone bill/Voter ID
    • ID Proof- Voter ID/Aadhar card/passport/employer’s card

    For DCB Commercial Vehicle Loan

    • Completely filled application form with latest coloured passport size photograph
    • KYC documents, ID proof, signature proof, address proof for individuals
    • Repayment track record from other financiers
    • Photocopy of RC book of vehicles owned
    • Income Verification Documents- 2 year full audited financials, ITR, Bank account statements

    DCB Bank has not specified the documents required for other DCB Bank Business Loan products. However, the documents required for those Business Loan products may vary depending on the loan facility to be availed and nature of business.

    How Can I Apply for a Business Loan Online?

    Get up to ₹1 Crore in 5 Simple Steps

    Step 1: Enter your mobile number in the application form.

    Step 2: Enter OTP to verify your mobile number.

    Step 3: Provide your personal details.

    Step 4: Select a bank account for account aggregator consent.

    Step 5: Compare offers and apply for the best-suited loan.

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