Paisabazaar Logo - Compare loans and credit cards

DCB Bank Personal Loan

Icon image of Wide Choice

Wide Choice

Icon image of Quick Disbursal

Quick Disbursal

Icon image of SmartMatch

SmartMatch

Icon image of Digital Process

Digital Process

Illustration

Apply Personal Loan Online

Customer Rating

4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Find Best Personal Loan Offers

Sort by:

HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

DCB Bank Personal Loan Highlights

Interest rate As per Applicant Profile
Loan Amount Up to Rs. 5 lakh
Eligible Applicant Category Salaried Individuals
Eligible Applicant Age 25 years to 60 years
Processing Fees Up to 3% of loan sanctioned
Loan Tenure Up to 60 months

Features of DCB Bank Personal Loan

The following are some key features of a DCB Bank personal loan:

Loan Amount Minimum: Rs. 1 lakhMaximum: Rs. 5 lakh
Repayment Tenure 1 year to 5 years
Collateral Not Required
Mode of Repayment You can pay the loan EMIs via Electronic Clearance System (ECS), Standing Instruction (SI), National Automated Clearing House (NACH) or Post Dated Cheques (PDC)s.

DCB Bank Personal Loan Interest Rates

DCB Bank offers competitive personal loan interest rates that vary from applicant to applicant depending on the profile and the desired loan parameters. Key factors which may affect the interest rate applicable to a personal loan are:

  • Monthly income,
  • Repayment history and credit score,
  • Amount of monthly fixed obligations, and
  • Credit utilization ratio.

Eligibility Criteria for DCB Bank Personal Loan

  • You should be a salaried employee of a private/ public limited company, government entity, multinational corporation (MNC), or a reputed partnership firm.
  • You should be at least 25 years old at the time of loan application and not more than 60 years old at the time of loan maturity.
  • You should have an employment track record of at least past 3 years.
  • You need to provide 2 references to get a personal loan from DCB Bank. These references can come from colleagues or friends, but not from blood relatives or residents at the same address.

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

Documents Required for Personal Loan Application

Following is the list of key documents generally required when applying for a personal loan:

  • Proof of Identity: Aadhaar Card, Voter ID, Driving License, Passport, etc.
  • Proof of Address: Latest Utility Bill (Electricity/ Telephone bill), Bank Passbook, etc.
  • Proof of Income: Salary Slips, Bank Account Statement, Form 16, etc.

Processing Fees and Other Charges

The following are key fees and charges associated with a personal loan from DCB Bank:

Particulars Charges*
Processing Fee (Non Refundable) Up to 3% of the personal loan amount.
Prepayment Charges Up to 5% of the principal outstanding.
Collection Charges (Applicable in cases of default) Rs. 100 per call and Rs. 250 per visit made to recover the loan dues.
Penal Interest 3% per month of the overdue amount on account of delay in payment of interest/ principal.
Cheque /ECS Swap Charge Rs. 500 per event.
Cheque Bounce Charge Rs. 500 per event.

*Additional taxes may apply. Moreover the Bank can change the charges without prior notice.

DCB Bank Personal Loan Customer Care Number

The following are the different ways you can contact the customer care department of DCB Bank:

For Resident Indians

  • Toll-free Customer Care Numbers: 1800 123 5363 / 1800 209 5363
  • Email for Loan account queries : loans@dcbbank.com

For NRIs

  • Customer Care Number: 91 22 61271000
  • Toll-free Numbers (India): 1800 123 5363 / 1800 209 5363
  • Email: nri@dcbbank.com

Alternatively, you can write to DCB Bank at the following address:

DCB Bank Limited,

P.O. Box No. 7643,

Malad (West),

Mumbai 400064, India.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Explore Our Dcb Bank Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

FAQs

DCB Bank generally takes 3-4 working days from the receipt of application form and documents to disburse the loan amount.

DCB Bank offers a minimum of Rs. 1 lakh and a maximum of Rs. 5 lakh as a personal loan.

DCB Bank charges 2-3% of the personal loan amount as processing fee. The exact processing fee is communicated to the applicant through the personal loan agreement.

Yes, you can foreclose your personal loan account with DCB Bank after completing payment of at least 12 EMIs. Foreclosure charges at the applicable rate as mentioned in the loan agreement will be applicable.

DCB Bank allows a maximum of 5-year repayment tenure on personal loans.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure - Article image

Importance of No Dues Certificate in Personal Loan Closure

icon image of Paisabazaar
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know - Article image

Loan rejected despite high income? Here’s what you need to know

icon image of Paisabazaar
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know - Article image

Personal Loan for First Time Borrowers: What Customers Must Know

icon image of Paisabazaar
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment - Article image

How I Saved Rs 22,000 on My Personal Loan through Prepayment

icon image of Bhumika Khandelwal
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years - Article image

How Have Personal Loans Advanced Over the Past few Years

icon image of Paisabazaar
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender - Article image

Factors To Consider While Selecting a Personal Loan Lender

icon image of Paisabazaar
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls - Article image

Instant Personal Loan Apps: Avoid These 5 Pitfalls

icon image of Bhumika Khandelwal
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing - Article image

Reasons for Delay in Personal Loan Processing

icon image of Paisabazaar
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

icon image of Bhumika Khandelwal
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

icon image of Paisabazaar
Paisabazaar07 Jul 2025
View All Articles
quotes icon

What our customers say

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

icon image of avatar
Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

icon image of avatar
Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

icon image of avatar
Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

icon image of avatar
Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

icon image of avatar
Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

icon image of avatar
SunnyDec 3, 2025

Multiple offers in Minutes

Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

icon image of avatar
Ankita BajajDec 3, 2025

Transparent Process and Multiple Options

Transparent process with detailed breakdown of EMIs and charges. Felt confident choosing a lender after comparing multiple offers.

icon image of avatar
Akaash SinghDec 3, 2025

Custom Loans to Suit your Needs

Paisabazaar showed offers tailored to my salary and credit profile. I got the loan I needed without long processing delays.

icon image of avatar
Asha NegiDec 3, 2025

Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

icon image of avatar
Mohit SinghDec 2, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers