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DCB Bank Home Loan Highlights |
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| Interest Rate | 9.75%-14.50% p.a. |
| Loan Amount |
Rs 10 lakh-Rs 5 crore |
| LTV Ratio | Up to 90% of property value |
| Processing Charges | Up to 2% of the loan amount |
Note: Rates as of 22nd November 2024
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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 Rate (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 75 lakh | 9.75%-10.50% |
| Above Rs 75 lakh | 9.75%-10.50% |
For Self-employed Applicants
| Loan Amount | Interest Rate (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 75 lakh | 9.75%-10.75% |
| Above Rs 75 lakh | 9.75%-10.75% |
Compare Home Loan Interest Rates for Top Banks & HFCs
| Name of Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh | |
| SBI | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | 8.50%-9.85% p.a. | Apply Now |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| LIC Housing Finance | 8.50% - 10.35% p.a. | 8.50% - 10.55% p.a. | 8.50% - 10.75% p.a. | Apply Now |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Apply Now |
| Punjab National Bank | 8.45% - 10.25% p.a. | 8.40% - 10.15% p.a. | 8.40% - 10.15% p.a. | Apply Now |
| Bank of Baroda | 8.40% - 10.65% p.a. | 8.40% - 10.65% p.a. | 8.40% - 10.90% p.a. | Apply Now |
| IDFC First Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Apply Now |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Apply Now |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Apply Now |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Apply Now |
| Axis Bank | 8.75%-13.30% p.a. | 8.75%-13.30% p.a. | 8.75%-9.65% p.a. | Apply Now |
| Godrej Housing Finance | 8.55% p.a. onwards | 8.55% p.a. onwards | 8.55% p.a. onwards | Apply Now |
Compare Home Loan Schemes Offered by Top Lenders Compare Now
DCB Bank Home Loan Processing Fee and Other Charges
| Particulars | Charges/Fee |
| Processing Fee | Up to 2% of the loan amount, subject to a minimum of Rs.5,000 |
| Annual Maintenance Charge | Up to 1% on principal outstanding |
| Prepayment Charges | For floating rate home loan- NIL
Part pre-payment for first 6 months- NIL
For Part Fixed+Part Floating Interest Rates- NIL up to 25% of principal outstanding
Full pre-payment for 1 year- NIL |
| Penal Interest (in case of default) | 1% additional levy over existing Rate of Interest |
| Re-Pricing Charges (Home Loan including PayLess Loans) | Up to 1% of the outstanding loan amount (Minimum Fee/Charges of Rs.5,000/-) |
| Penal Interest | 3% per month |
| Cheque/ECS Swap Charge | Rs. 500/- per event |
| Property Document Retrieval Charge | Rs. 500/- per event |
| Cheque Bounce Charge | Rs. 750/- per event |
| Amortization Schedule | Rs. 100/- per schedule |
| Statement of Account | Rs. 100/- per statement |
| Foreclosure Statement | Rs. 100/- per statement |
| Revalidation of ‘No Objection Certificate’ | Rs. 100/- per NOC |
| Provisional Income Tax Certificate | NIL |
| Final Income Tax Certificate | NIL |
| Interest Certificate | NIL |
| Change of Address | NIL |
| Loan Agreement Copy | Rs. 500/- per event |
| No Dues Certificate | NIL |
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 10 lakh-Rs 5 crore
LTV Ratio: Up to 90% of property cost
DCB Bank Home Loan Eligibility Criteria
- Salaried and Self-employed individuals
- Loan Amount : Up to 90% of the property value
- Age : Minimum: 21 years
Maximum: 70 years (at the time of loan maturity)
Also Check: Home Loan Eligibility Calculator
Documents Required for DCB Home Loan
- Completely filled application form with 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
For Salaried Applicants
- Salary account statement for last 6 months
- Salary slips/salary certificates for last 3 months
- Last 2 years Form 16, appointment letter from the company and other supporting documents
For Self-employed Applicants
- Last 1 year bank statement of all business accounts or other accounts showing EMI deductions
- ITR for last 3 years with income computation
- 2 recent GST returns
- Trade license/statutory license
- Qualification proofs- Highest qualification degree for professionals
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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.
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 20 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.