DCB Bank Home Loan
DCB Bank Home Loan
DCB Bank Home Loan
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DCB Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
DCB Bank Home Loan Key Highlights
Loan Amount Up to 5 crores
Rate of Interest Starts at 9.75% per annum
Processing Fee Up to 2.00% of the loan amount (Minimum Rs. 5000)
Maximum Tenure for Repayment 20 years
Rate Packages Fixed/Floater
Charges for Prepayment/Foreclosure Floater: Nil
Part Fixed + Part Floater: Nil - 25% of the outstanding principle
DCB Bank Home Loan Interest Rates in 2026
The DCB home loan interest rates start at 9.75% per annum and may go up depending on the repayment capacity, eligibility, and plan chosen by an applicant. The table below enlists the current DCB Bank home loan interest rate 2026:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Fixed Plans (For Salaried) | Starts at 9.75% per annum |
| Fixed Plans (For Self-Employed) | Starts at 9.75% per annum |
| Floater Plans (For Salaried) | Starts at 9.75% per annum |
| Floater Plans (For Self-Employed) | Starts at 9.75% per annum |
DCB Bank Home Loan Eligibility Criteria
DCB Bank offers home loans at attractive interest rates with minimum eligibility criteria to make it easy for each aspiring homeowner to own a home. Home loans are offered to both Indian Residents and NRIs. However, there has to be a co-applicant, who is an Indian Resident, for an NRI borrower to apply for a DCB home loan. The table below enlists DCB Bank home loan eligibility criteria for your reference:
For Salaried Individuals
Age Range (in years)
21 - 65 Years
Nationality
Indian Resident/ NRIs
Minimum Income Earned
Nothing Specific
For Self-Employed Individuals
Age Range (in years)
21 - 65 Years
Nationality
Indian Resident/ NRIs
Minimum Income Earned
Nothing Specific
DCB Bank Home Loan Processing Fee and Charges
To process each home loan application, DCB Bank charges a processing fee of up to 2.00% of the loan amount, or a minimum of Rs. 5000. Besides; the bank also charges other fees to offer the customer a seamless experience in applying and getting home loans. The table below enlists the updated DCB Bank home loan processing fee and charges:
| Processing Fee | Up to 2.00% of the loan amount (Minimum of Rs. 5000) |
| Collection Charges | Rs. 100 + Applicable Taxes per call Rs. 250 + Applicable Taxes per visit made to recover the dues |
| Annual Maintenance Charges | Up to 1.00% of the outstanding principle |
| Duplicate NOC or No Objection Certificate | Rs. 100 per instance |
| Statement of Account | Rs. 100 per instance |
| Foreclosure Statement | Rs. 100 per instance |
| Loan Agreement Copy | Rs. 500 per instance |
| Part Pre-Payment/ Full Pre-Payment Charges | Floater: Nil Part Fixed + Part Floater: Nil - 25% of the outstanding principle |
| Cheque Bounce Charges | Rs. 750 per instance |
| Cheque or Instrument Swapping Charges | Rs. 500 per instance |
| Re-Pricing Charges | Up to 1.00% of the outstanding loan amount (Minimum of Rs. 5,000) |
| Penal Interest | 3.00% per month |
| Property Documents Retrieval Charges | Rs. 500 per set |
| Amortization Schedule | Rs. 100 per schedule |
DCB Bank Home Loan Schemes and Top Plans
DCB Bank offers home loans up to Rs. 5 crores to eligible borrowers, who can be salaried, self-employed, Indian Residents or NRIs. Have a look at the DCB bank home loan schemes:
- Ideal for those keen to purchase a home or land, or construct a home on an already-bought land
- Maximum loan amount up to Rs. 5 crores
- Loan-to-Value Ratio of up to 90% of the Property Cost
- Flexible Balance Transfer Facility
- Additional Top-Up loans
- Ideal home loan scheme for informal employed segments like traders, small hoteliers, food stall owners, barbers, and so on.
- Minimum loan amount starting from Rs. 1 lakh up to Rs. 15 lakh
- Quick loan approvals with attractive ROI
* Note: All of the above home loan plans are made available to applicants solely at the discretion of DCB bank, taking into consideration the earning and repayment c
Documents Required for DCB Bank Home Loan
To approve a home loan to any applicant, any bank or NBFC asks for a set of KYC documents related to identity, address, and income. Shared below is the complete list of DCB Bank home loan documents required for salaried as well as for self-employed borrowers:
| Proof of Income |
|
| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
|
Apply Home Loan Through BASIC Home Loan
The procedure for a DCB home loan apply is quite simple and can be online in the following manner:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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