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DCB Bank Home Loan Highlights |
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| Interest Rate | 9.75%-14.50% p.a. |
| Loan Amount |
Rs 2 lakh-Rs 3 crore |
| Loan Tenure | Up to 25 years |
| LTV Ratio | Up to 90% of property value |
| Processing Charges | Up to 2% of the loan amount or Rs 5,000, whichever is higher |
Note: Last Updated on 1 September 2025
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Table of Contents
DCB Bank Home Loan Interest Rates
DCB Bank home loan interest rates range between 9.75%-14.50% p.a. depending on the loan amount offered by the bank and the applicant’s job profile. However, just like many lenders, DCB Bank may also consider the credit score, employer’s profile, minimum monthly income, etc. of its applicants while setting their home loan interest rates.
For Salaried Applicants
| Loan Amount | Interest Rates (p.a.) |
| Up to Rs 10 lakh | 9.75%-11.50% |
| Rs 10 lakh-Rs 15 lakh | 9.75%-11.30% |
| Rs 15 lakh-Rs 20 lakh | 9.75%-11.20% |
| Rs 20 lakh-Rs 30 lakh | 9.75%-10.75% |
| Rs 30 lakh-Rs 50 lakh | 9.75%-10.50% |
| Rs 50 lakh-Rs 75 lakh | 9.75%-10.50% |
| Above Rs 75 lakh | 9.75%-10.50% |
For Self-employed Applicants
| Loan Amount | Interest Rates (p.a.) |
| Up to Rs 10 lakh | 9.75%-14.50% |
| Rs 10 lakh-Rs 15 lakh | 9.75%-13.50% |
| Rs 15 lakh-Rs 20 lakh | 9.75%-13.00% |
| Rs 20 lakh-Rs 30 lakh | 9.75%-12.00% |
| Rs 30 lakh-Rs 50 lakh | 9.75%-10.75% |
| Rs 50 lakh-Rs 75 lakh | 9.75%-10.75% |
| Above Rs 75 lakh | 9.75%-10.75% |
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DCB Bank Home Loan Processing Fee and Other Charges
| Particulars | Charges |
| Processing Fee | Up to 2% of the loan amount or Rs 5,000, whichever is higher |
| Application login fee | Rs 2,500 plus GST |
| Annual Maintenance Charge | 1% of the utilised amount yearly, if average utilised limit during the year is less than 70% |
| Prepayment & Foreclosure Charges | For floating rate home loan- NIL
For fixed rate home loan – 4% on the amount paid during the fixed tenure of the loan only |
| Cheque/ECS/NACH/Standing Instruction swap |
Rs 500 per swap |
| Property Document Retrieval Charge | Rs 500 per event |
| Cheque Bounce Charge | Rs 750 per event |
| Amortization Schedule | Rs 250 per schedule |
| Statement of Account | Rs 250 per statement |
| Foreclosure Statement | Rs 250 per statement |
| Revalidation of ‘No Objection Certificate’ | Rs 250 per NOC |
| Provisional Income Tax Certificate | NIL |
| Final Income Tax Certificate | NIL |
| Loan Agreement Copy | Rs 500/- per event |
| No Dues Certificate | Rs 250 per certificate |
Note: Goods and Services Tax (GST) as applicable will be levied in addition to the mentioned charges.
Types of DCB Bank Home Loan
DCB Housing Loan
Purpose: For purchase/construction of new house, land purchase and construction thereon, and to avail balance transfer facility along with top-up loans
Loan Amount: Rs 2 lakh-Rs 3 crore
Tenure: Up to 25 years
LTV Ratio: Up to 90% of property cost
DCB Bank Home Loan Eligibility Criteria
- Maximum age of property: 70 years
- Minimum area of property: 226 Sq.ft built-up for residential
- Minimum Age: 21 years
- Maximum age of the applicant whose income is considered: 65 years
Also Check: Home Loan Eligibility Calculator
Documents Required for DCB Home Loan
- Completely filled application form with the latest passport-size coloured photograph signed across
- Photo ID Proof (Aadhaar card, passport, PAN card, voter ID, Driving license, NREGA card, letter issued by National Population Register)
- Address Proof (Aadhaar card, passport, voter ID,, NREGA card, Driving license, letter issued by National Population Register)
- Age Proof (Birth Certificate, Government ID card, LIC policy, School Leaving Certificate, Aadhaar card, PAN card, Passport)
- Details of all existing loan accounts
- Processing fee cheque
- Information regarding loan availed (for all existing loans from any Financial Institution such as any NBFC, Bank, Credit Card Loan, loan against Fixed Deposits, buy now pay later, Gold Loan, etc.)
For Salaried Applicants
- Bank account statement for the last 6 months
- Salary slips/salary certificates for last 3 months/Form 16
- Property ownership proof
For Self-employed Applicants
- Last 2 years Chartered Accountant certified or audited Balance Sheet and Profit & Loss Account
- ITR for last 2 FY
- Business continuity proof
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DCB Bank Home Loan EMI Calculator
Prospective home loan applicants can use the DCB Bank Home Loan EMI calculator to calculate the EMIs and interest cost payable throughout the loan tenure. Applicants need to enter the loan amount, interest rate and loan tenure in the Home Loan EMI Calculator given below and calculate the results instantly.
Home Loan EMI Calculator
₹
%
Year(s)
Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
DCB Bank Home Loan Customer Care Details
Customers can reach out to DCB Bank through the below-mentioned contact details to get their home loan-related queries addressed.
- Toll-Free: 1800 209 5363/1800 123 5363
- Email Id: customercare@dcbbank.com
FAQs on DCB Home Loan
1. What is the home loan interest rate offered by DCB Bank?
Ans. DCB Bank offers home loan interest rates starting from 9.75% p.a. onwards. The lender offers its differential interest rates depending on the applicant’s job profile and loan amount applied for.
2. What is the tenure of DCB Bank Home Loan?
Ans. DCB Bank offers home loans for tenure of up to 25 years.
3. How to apply for DCB Bank Home Loan?
Ans. Prospective home loan applicants can apply for DCB Bank Home Loan through the official website of DCB Bank or by visiting any DCB Bank branch. Applicants can also visit financial marketplaces like Paisabazaar.com and apply for DCB Bank Home Loan.
4. What is the minimum credit score required for availing home loan from DCB Bank?
Ans. DCB Bank has not disclosed the minimum credit score required for availing home loan. However, the applicants having a minimum credit score of 700 and above usually have higher chances of availing home loan.
5. Does DCB Bank get a floating rate or a fixed rate home loan?
Ans. DCB Bank offers home loans at floating rates. Its home loan interest rates are linked to repo rate set by the Reserve Bank of India.
6. What are the home loan foreclosure charges charged by DCB Bank?
Ans. DCB Bank does not charge any foreclosure charges for home loans offered at floating rates.