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DBS Bank Personal Loan, Interest rates from 10.99%


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DBS Personal Loan: Your One-Stop Solution for Quick and Easy Cash

Life often throws unexpected curveballs; you may not be necessarily financially equipped to deal with it at all times. DBS Personal loan helps you manage all your expenses effectively. They offer personal loan upto 15 Lakhs with no security in a completely paperless way at 10.99% interest rates

Features of Personal Loan with DBS

Instant Approvals: Get in-principle approval within few minutes by applying in our user-friendly online application.

Completely Paperless: No need to submit physical documents. Everything can be done online. You do not have to visit their branch; you can simply through their digital app or our platform

3 days free look period: You can cancel our personal loan with ease within the 2-day freelook period offered

Competitive Interest Rates: Rates starting at 10.99% p.a., subject to your creditworthiness.

Flexible Repayment Options: Choose a repayment tenure that suits your budget (12 to 60 months).

High Loan Amounts: Get a loan of up to ₹15 lakhs to cover your financial needs.

Manage Everything Digitally: Conveniently manage your loan application, track repayments, and make payments through the DBS digibank app.

DBS Personal Loan Interest Rate

Loan AmountInterest Rate (p.a.)
Up to ₹15 lakhStarting at 10.99% p.a

Note: Interest rates are subject to change based on the applicant’s credit profile, income, loan amount, and tenure. Always check with DBS Bank for the most current rates and terms before applying.

Compare DBS Bank Personal Loan vs other Lenders


Interest Rate
10.99 %

Loan Amount
upto Rs.15L


Interest Rate
10.35 % - 12.50%

Loan Amount
upto Rs.40L


Interest Rate
10.50% - 16%

Loan Amount
upto Rs.40L


Interest Rate
10.35 % - 12.50%

Loan Amount
upto Rs.40L


Interest Rate
10.49% - 19%

Loan Amount
upto Rs.50L


Interest Rate
10.49 % - 14.50%

Loan Amount
upto Rs.40L


Interest Rate
10.35% - 12.99%

Loan Amount
upto Rs.50L


Interest Rate
10.75% - 16.50%

Loan Amount
upto Rs.40L


Interest Rate
10.5% - 13.50%

Loan Amount
upto Rs.50L

Personal Loan for every need

DBS offers personal loan that can practically address every need of yours

  • Wedding – Enjoy your dream day in a grand way with hassle-free wedding loan
  • Vacation – Stop dreaming about the vacation, prepare for one with their Vacation loan
  • Gadget – Shine like a star with your dream gadget, with Gadgets loan
  • Home Renovation – Do not postpone repairs in your home, get it done with Home renovation loan

DBS Personal Loan Calculator


Fees and Charges of Personal loan at DBS Bank

Interest charges10.99% 
Processing Fee3% of the loan amount
Foreclosure charges7-12 months – 4.5%, 13/24 months – 4.5%, 25-36 months – 2.5%, >36 months – 2.00%
Part-prepayment charges7-12 months – 4.5%, 13/24 months – 4.5%, 25-36 months – 2.5%, >36 months – 2.00%
Loan Cancellation chargesAllowed within free look period of 3 days, no cancellation charges, however, processing fee + applicable taxes will be charges
Dishonour of Standing InstructionRs. 600 + GST
Penal charges3% on the overdue amount
EMI Start date6th and 10th of every month

DBS Personal Loan Eligibility

Must be an Indian citizenMust be an Indian citizen
Monthly Salary of Rs. 25000 atleast

Minimum turnover of Rs. 15 Lakhs for professionals, and Rs. 40 Lakhs for non-professionals

21-58 years21-58 years
For Salaried, loan upto 7 lakhsFor self-employed, loan upto 15 Lakhs
Credit Score of 750+Credit Score of 750+
Should have stayed in current residence for 1 year

must have a minimum profit after tax of Rs. 2 Lakhs for proprietorship firm and Rs. 1 Lakh for non-professionals

Documents Required for DBS Personal Loan

Proof of Identity – Passport/Driving License/Voter ID/ PANCardLast 6 months bank statement
Residence Proof – Passport/License AgreementProof of Residence of Ownership
Salary slips for 3 monthsProof of Business Continuity
2 Passport size photographsLast 6 months bank statement

How to apply for a DBS Loan at Fincover?

dbs bank personal loan apply online,

  • Visit https://www.fincover.com/banking/loan/personal/ and select DBS
  • Enter all the required information as requested and Submit your personal loan application
  • Check if your personal loan is approved with the reference no provided
  • If approved and verified, the loan will disbursed in few days

DBS Bank Personal Loan Contact Number / Customer Care Number

For any inquiries or assistance with DBS Bank personal loans, you can contact the DBS Bank customer care team.

DBS Bank Customer Care Number:

This number can be used for queries related to personal loans, including application status, interest rates, eligibility, and documentation requirements.

Interest rates start at 10.99% p.a. However, the final rate will depend on your creditworthiness and other factors.
Yes, you can prepay your loan partially or fully. However, there might be prepayment charges applicable.
You only need a soft copy of your KYC documents for verification (Passport/Driving License/Voter ID/Aadhaar Card/PAN Card).
You can get in-principle approval within minutes through the online application process. The actual disbursal time may vary depending on your application and verification.
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