Explore Your Options
DCB Bank Home Loan
DCB Bank provides home loan options for the purchase of new or resale properties with loan amounts up to Rs.5 crore and maximum tenure of 30 years, featuring fixed or floating interest rates. DCB Bank also offers balance transfer options for existing home loan customers. The loan is available for salaried individuals, self-employed professionals, and businessmen, with added benefits of doorstep services and dedicated relationship managers to assist customers throughout the loan application process.
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DCB Bank Home Loan
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DCB Bank Home LoanHere are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 650+ |
| Applicant | Salaried & Self Employed Both |
| Applicant Age | Salaried-18
Year to 55 Year Self Employed-18 Year to 60 Year |
| Loan Amount & Tenure | 30
Lac to 3Cr (5 Year to 25 Year) |
| Login Fees | 3000 |
| Rate of Interest & Type | 9.75% to 14% (Reducing) |
| TAT | 7 Days |
| Processing Fees | 1% |
| Insurance & Other Charges | Insurance Charges:1%-4% |
| Foreclosure Charges | Nil for Individual & 2% for other than individual |
| Minimum Income | Which is fit to cover EMI |
| Lock In Period | 1 Year |
| Part Payment Allowed | Upto25% |
| Home Loan OD Product | No |
| LTV | 80% of Property Value |
| Product | 1.
Seller BT Product 2. New Purchase 3.BT+Topup 4. Plot Purchase+Construction 5. Home Renovation |
| Program | 1.
Banking Program-1 Cr 2. LIP Program-30 Lac (ROI 11% to 14% (Tenure 7 year) 3.LIP Program-30 Lac (ROI 11% to 14% (Tenure 7 year) 4. Income Program-3 Cr |
| CO - Applicant | Lady Co-Applicant Mandatory |
| FOIR | 60% of Net Salary |
| Negative Profile | No Negative Profile |
| Funded Property Type | (i)
Residential Property (ii) Residential Plot Purchase (iii) Residential Plot Purchase & Construction |
| Negative Property | Plot
Purchase,Khasra Khatauni Property, 3rd Floor & above if MAP not approved,
Auction Property, Demolition List Property |
| Accepted Collateral | All Approved Property, Lal Dora, Sub-divided Property, without MAP upto 2nd Floor |
| Business Vintage for Self Employed Person | 2 Year |
| Minimum Job Experience for Salaried Person | 1 Year |
| Experience with Current Employer | 3 Month |
| Any Specific Product for Professionals | No |
| USP | 1.
No Financial upto 1 Cr Loan 2. Loan upto 50% of Gross Sale or 8 time of EBIDTA whichever is lower |
DCB Bank Home Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 7 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,653 |
| Total Interest | ₹ 3,832 |
| Loan Amount + Interest | ₹ 103,832 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 24,351 | ₹ 1,608 | ₹ 25,959 | ₹ 75,649 | 24.35 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 75,654 | ₹ 2,223 | ₹ 77,877 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Required Documents to Apply for DCB Bank Home Loan
Salaried income documents
-
KYC of applicant & Co-Applicant
-
Last 3 Month Salary Slip of Applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 2 Year Form 16 of applicant
-
26AS of last 2 year of applicant & co-applicant
-
Appointment letter of applicant if available
-
Agreement to Sale if purchase case
-
Property Paper with complete chain of last 13 years
-
Approved MAP of Property if available
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
-
Sanction letter of all running loan
-
Latest utility Bill if owned residence or rent agreement if rented
-
2 Reference with contact details
Self Employed person documents
-
KYC of applicant & Co-Applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 3 year audited balance sheet of applicant
-
Last 3 year Tax audit report of applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
26AS of last 2 year of applicant & co-applicant
-
Copy of GST registration
-
Copy of MSME registration
-
Copy of Last 12 month GST return
-
Agreement to Sale if new purchase case
-
Property Paper with complete chain of last 13 years
-
Approved MAP of Property if available
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
-
Sanction letter of all running loan
-
Debt Sheet
-
Latest utility Bill of residence if owned or rent agreement if rented
-
Latest utility Bill of Office if owned or rent agreement if rented
-
2 Reference with contact details
-
Last 3 year Debtors & Creditors on letter head
-
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
If Applicant is
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
3. If applicant is professional, then his professional degree is required
Work Process
Start with DCB Bank Home Loan in few step
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
Let us take an example, How Home Loan Emi is being calculated.
For instance, if "Shubham" applies for a Home loan of INR 10 Lacs and get the loan sanctioned at the rate of 10 % with a tenure range of 10 years or 120 Months , in such a case his EMI would be INR 13,215 and complete repayment amount till the end of 10 years tenure would be 15,85,809 (i.e 13,215 EMI * 120 months),, wherein the total interest amount is INR 5,85,809 along with principal repayment of INR 10,00,000.Few additional charges like those of minimal one-time processing fee upto 7% of loan amount may apply. T& C apply.| Year | EMI | Interest Paid | Principle Paid | Outstanding Balance |
|---|---|---|---|---|
| ₹13215.07 | ₹49382.95 | ₹29907.47 | ₹1506518.42 | |
| Jul | ₹13215.07 | ₹8333.33 | ₹4881.74 | ₹1572593.77 |
| Aug | ₹13215.07 | ₹8292.65 | ₹4922.42 | ₹1559378.70 |
| Sep | ₹13215.07 | ₹8251.63 | ₹4963.44 | ₹1546163.63 |
| Oct | ₹13215.07 | ₹8210.27 | ₹5004.80 | ₹1532948.56 |
| Nov | ₹13215.07 | ₹8168.56 | ₹5046.51 | ₹1519733.49 |
| Dec | ₹13215.07 | ₹8126.51 | ₹5088.56 | ₹1506518.42 |
| ₹13215.07 | ₹94107.33 | ₹64473.54 | ₹1347937.58 | |
| Jan | ₹13215.07 | ₹8084.10 | ₹5130.97 | ₹1493303.35 |
| Feb | ₹13215.07 | ₹8041.35 | ₹5173.73 | ₹1480088.28 |
| Mar | ₹13215.07 | ₹7998.23 | ₹5216.84 | ₹1466873.21 |
| Apr | ₹13215.07 | ₹7954.76 | ₹5260.32 | ₹1453658.14 |
| May | ₹13215.07 | ₹7910.92 | ₹5304.15 | ₹1440443.07 |
| Jun | ₹13215.07 | ₹7866.72 | ₹5348.35 | ₹1427228.00 |
| Jul | ₹13215.07 | ₹7822.15 | ₹5392.92 | ₹1414012.93 |
| Aug | ₹13215.07 | ₹7777.21 | ₹5437.86 | ₹1400797.86 |
| Sep | ₹13215.07 | ₹7731.89 | ₹5483.18 | ₹1387582.79 |
| Oct | ₹13215.07 | ₹7686.20 | ₹5528.87 | ₹1374367.72 |
| Nov | ₹13215.07 | ₹7640.13 | ₹5574.95 | ₹1361152.65 |
| Dec | ₹13215.07 | ₹7593.67 | ₹5621.40 | ₹1347937.58 |
| ₹13215.07 | ₹87356.11 | ₹71224.78 | ₹1189356.74 | |
| Jan | ₹13215.07 | ₹7546.82 | ₹5668.25 | ₹1334722.51 |
| Feb | ₹13215.07 | ₹7499.59 | ₹5715.48 | ₹1321507.44 |
| Mar | ₹13215.07 | ₹7451.96 | ₹5763.11 | ₹1308292.37 |
| Apr | ₹13215.07 | ₹7403.93 | ₹5811.14 | ₹1295077.30 |
| May | ₹13215.07 | ₹7355.51 | ₹5859.57 | ₹1281862.23 |
| Jun | ₹13215.07 | ₹7306.68 | ₹5908.40 | ₹1268647.16 |
| Jul | ₹13215.07 | ₹7257.44 | ₹5957.63 | ₹1255432.09 |
| Aug | ₹13215.07 | ₹7207.79 | ₹6007.28 | ₹1242217.02 |
| Sep | ₹13215.07 | ₹7157.73 | ₹6057.34 | ₹1229001.95 |
| Oct | ₹13215.07 | ₹7107.26 | ₹6107.82 | ₹1215786.88 |
| Nov | ₹13215.07 | ₹7056.36 | ₹6158.72 | ₹1202571.81 |
| Dec | ₹13215.07 | ₹7005.04 | ₹6210.04 | ₹1189356.74 |
| ₹13215.07 | ₹79897.95 | ₹78682.93 | ₹1030775.90 | |
| Jan | ₹13215.07 | ₹6953.29 | ₹6261.79 | ₹1176141.67 |
| Feb | ₹13215.07 | ₹6901.10 | ₹6313.97 | ₹1162926.60 |
| Mar | ₹13215.07 | ₹6848.49 | ₹6366.59 | ₹1149711.53 |
| Apr | ₹13215.07 | ₹6795.43 | ₹6419.64 | ₹1136496.46 |
| May | ₹13215.07 | ₹6741.94 | ₹6473.14 | ₹1123281.39 |
| Jun | ₹13215.07 | ₹6687.99 | ₹6527.08 | ₹1110066.32 |
| Jul | ₹13215.07 | ₹6633.60 | ₹6581.47 | ₹1096851.25 |
| Aug | ₹13215.07 | ₹6578.75 | ₹6636.32 | ₹1083636.18 |
| Sep | ₹13215.07 | ₹6523.45 | ₹6691.62 | ₹1070421.11 |
| Oct | ₹13215.07 | ₹6467.69 | ₹6747.39 | ₹1057206.04 |
| Nov | ₹13215.07 | ₹6411.46 | ₹6803.61 | ₹1043990.97 |
| Dec | ₹13215.07 | ₹6354.76 | ₹6860.31 | ₹1030775.90 |
| ₹13215.07 | ₹71658.81 | ₹86922.05 | ₹872195.06 | |
| Jan | ₹13215.07 | ₹6297.59 | ₹6917.48 | ₹1017560.83 |
| Feb | ₹13215.07 | ₹6239.95 | ₹6975.13 | ₹1004345.76 |
| Mar | ₹13215.07 | ₹6181.82 | ₹7033.25 | ₹991130.69 |
| Apr | ₹13215.07 | ₹6123.21 | ₹7091.86 | ₹977915.62 |
| May | ₹13215.07 | ₹6064.11 | ₹7150.96 | ₹964700.55 |
| Jun | ₹13215.07 | ₹6004.52 | ₹7210.55 | ₹951485.48 |
| Jul | ₹13215.07 | ₹5944.43 | ₹7270.64 | ₹938270.41 |
| Aug | ₹13215.07 | ₹5883.85 | ₹7331.23 | ₹925055.34 |
| Sep | ₹13215.07 | ₹5822.75 | ₹7392.32 | ₹911840.27 |
| Oct | ₹13215.07 | ₹5761.15 | ₹7453.92 | ₹898625.20 |
| Nov | ₹13215.07 | ₹5699.03 | ₹7516.04 | ₹885410.13 |
| Dec | ₹13215.07 | ₹5636.40 | ₹7578.67 | ₹872195.06 |
| ₹13215.07 | ₹62556.94 | ₹96023.92 | ₹713614.22 | |
| Jan | ₹13215.07 | ₹5573.24 | ₹7641.83 | ₹858979.99 |
| Feb | ₹13215.07 | ₹5509.56 | ₹7705.51 | ₹845764.92 |
| Mar | ₹13215.07 | ₹5445.35 | ₹7769.72 | ₹832549.85 |
| Apr | ₹13215.07 | ₹5380.60 | ₹7834.47 | ₹819334.78 |
| May | ₹13215.07 | ₹5315.31 | ₹7899.76 | ₹806119.71 |
| Jun | ₹13215.07 | ₹5249.48 | ₹7965.59 | ₹792904.64 |
| Jul | ₹13215.07 | ₹5183.10 | ₹8031.97 | ₹779689.57 |
| Aug | ₹13215.07 | ₹5116.17 | ₹8098.90 | ₹766474.50 |
| Sep | ₹13215.07 | ₹5048.68 | ₹8166.39 | ₹753259.43 |
| Oct | ₹13215.07 | ₹4980.63 | ₹8234.45 | ₹740044.36 |
| Nov | ₹13215.07 | ₹4912.01 | ₹8303.07 | ₹726829.29 |
| Dec | ₹13215.07 | ₹4842.81 | ₹8372.26 | ₹713614.22 |
| ₹13215.07 | ₹52501.99 | ₹106078.90 | ₹555033.38 | |
| Jan | ₹13215.07 | ₹4773.04 | ₹8442.03 | ₹700399.15 |
| Feb | ₹13215.07 | ₹4702.69 | ₹8512.38 | ₹687184.08 |
| Mar | ₹13215.07 | ₹4631.76 | ₹8583.32 | ₹673969.01 |
| Apr | ₹13215.07 | ₹4560.23 | ₹8654.84 | ₹660753.94 |
| May | ₹13215.07 | ₹4488.11 | ₹8726.97 | ₹647538.87 |
| Jun | ₹13215.07 | ₹4415.38 | ₹8799.69 | ₹634323.80 |
| Jul | ₹13215.07 | ₹4342.05 | ₹8873.02 | ₹621108.73 |
| Aug | ₹13215.07 | ₹4268.11 | ₹8946.97 | ₹607893.66 |
| Sep | ₹13215.07 | ₹4193.55 | ₹9021.52 | ₹594678.59 |
| Oct | ₹13215.07 | ₹4118.37 | ₹9096.70 | ₹581463.52 |
| Nov | ₹13215.07 | ₹4042.57 | ₹9172.51 | ₹568248.45 |
| Dec | ₹13215.07 | ₹3966.13 | ₹9248.95 | ₹555033.38 |
| ₹13215.07 | ₹41394.13 | ₹117186.75 | ₹396452.54 | |
| Jan | ₹13215.07 | ₹3889.05 | ₹9326.02 | ₹541818.31 |
| Feb | ₹13215.07 | ₹3811.34 | ₹9403.74 | ₹528603.24 |
| Mar | ₹13215.07 | ₹3732.97 | ₹9482.10 | ₹515388.17 |
| Apr | ₹13215.07 | ₹3653.95 | ₹9561.12 | ₹502173.10 |
| May | ₹13215.07 | ₹3574.28 | ₹9640.80 | ₹488958.03 |
| Jun | ₹13215.07 | ₹3493.94 | ₹9721.14 | ₹475742.96 |
| Jul | ₹13215.07 | ₹3412.93 | ₹9802.14 | ₹462527.89 |
| Aug | ₹13215.07 | ₹3331.24 | ₹9883.83 | ₹449312.82 |
| Sep | ₹13215.07 | ₹3248.88 | ₹9966.19 | ₹436097.75 |
| Oct | ₹13215.07 | ₹3165.83 | ₹10049.25 | ₹422882.68 |
| Nov | ₹13215.07 | ₹3082.08 | ₹10132.99 | ₹409667.61 |
| Dec | ₹13215.07 | ₹2997.64 | ₹10217.43 | ₹396452.54 |
| ₹13215.07 | ₹29123.16 | ₹129457.74 | ₹237871.70 | |
| Jan | ₹13215.07 | ₹2912.50 | ₹10302.58 | ₹383237.47 |
| Feb | ₹13215.07 | ₹2826.64 | ₹10388.43 | ₹370022.40 |
| Mar | ₹13215.07 | ₹2740.07 | ₹10475.00 | ₹356807.33 |
| Apr | ₹13215.07 | ₹2652.78 | ₹10562.29 | ₹343592.26 |
| May | ₹13215.07 | ₹2564.76 | ₹10650.31 | ₹330377.19 |
| Jun | ₹13215.07 | ₹2476.01 | ₹10739.07 | ₹317162.12 |
| Jul | ₹13215.07 | ₹2386.52 | ₹10828.56 | ₹303947.05 |
| Aug | ₹13215.07 | ₹2296.28 | ₹10918.80 | ₹290731.98 |
| Sep | ₹13215.07 | ₹2205.29 | ₹11009.79 | ₹277516.91 |
| Oct | ₹13215.07 | ₹2113.54 | ₹11101.53 | ₹264301.84 |
| Nov | ₹13215.07 | ₹2021.03 | ₹11194.05 | ₹251086.77 |
| Dec | ₹13215.07 | ₹1927.74 | ₹11287.33 | ₹237871.70 |
| ₹13215.07 | ₹15567.22 | ₹143013.65 | ₹79290.86 | |
| Jan | ₹13215.07 | ₹1833.68 | ₹11381.39 | ₹224656.63 |
| Feb | ₹13215.07 | ₹1738.84 | ₹11476.24 | ₹211441.56 |
| Mar | ₹13215.07 | ₹1643.20 | ₹11571.87 | ₹198226.49 |
| Apr | ₹13215.07 | ₹1546.77 | ₹11668.30 | ₹185011.42 |
| May | ₹13215.07 | ₹1449.53 | ₹11765.54 | ₹171796.35 |
| Jun | ₹13215.07 | ₹1351.49 | ₹11863.59 | ₹158581.28 |
| Jul | ₹13215.07 | ₹1252.62 | ₹11962.45 | ₹145366.21 |
| Aug | ₹13215.07 | ₹1152.94 | ₹12062.14 | ₹132151.14 |
| Sep | ₹13215.07 | ₹1052.42 | ₹12162.65 | ₹118936.07 |
| Oct | ₹13215.07 | ₹951.06 | ₹12264.01 | ₹105721.00 |
| Nov | ₹13215.07 | ₹848.86 | ₹12366.21 | ₹92505.93 |
| Dec | ₹13215.07 | ₹745.81 | ₹12469.26 | ₹79290.86 |
| ₹13215.07 | ₹2262.21 | ₹77028.26 | ₹0.44 | |
| Jan | ₹13215.07 | ₹641.90 | ₹12573.17 | ₹66075.79 |
| Feb | ₹13215.07 | ₹537.13 | ₹12677.95 | ₹52860.72 |
| Mar | ₹13215.07 | ₹431.48 | ₹12783.60 | ₹39645.65 |
| Apr | ₹13215.07 | ₹324.95 | ₹12890.13 | ₹26430.58 |
| May | ₹13215.07 | ₹217.53 | ₹12997.55 | ₹13215.51 |
| Jun | ₹13215.07 | ₹109.22 | ₹13105.86 | ₹0.44 |
FREQUENTLY ASKED QUESTIONS
Yes, you can
prepay your DCB Bank Home Loan. There are no prepayment charges for floating
rate home loans. For fixed rate home loans, prepayment charges may apply.
The maximum loan amount
that you can avail under DCB Bank Home Loan is up to Rs. 10 crore, subject to
your eligibility criteria.
The maximum tenure for
DCB Bank Home Loan is up to 30 years, subject to your eligibility criteria.
Yes, you can apply for a
DCB Bank Home Loan jointly with your spouse. This will help you increase your
eligibility and avail of a higher loan amount.
The fees and charges
associated with DCB Bank Home Loan include processing fees, legal and technical
charges, and prepayment charges (in case of fixed rate loans). The bank may
also charge other fees as applicable.
Yes, customers have the
option to choose between fixed and floating interest rates for DCB Bank Home
Loans.
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