DCB Bank Home Loan Interest Rate
DCB Bank Home Loan Interest Rate
The Development Credit Bank, also known as the DCB, is a next-generation private bank with a vast network of over 405 branches across India. Regulated by the Reserve Bank of India, the DCB Bank has helped thousands of people buy and renovate their dream homes with its affordable home loan schemes. The DCB Bank home loan interest rate starts at 9.75% per annum. The DCB home loan interest rate may vary for floater and fixed rate basis at the bank's discretion. The maximum loan repayment tenure offered by the bank on home loans is up to 20 years, during which the customer can enjoy flexible EMI repayments. DCB Bank offers a maximum loan of up to Rs. 5 crores to eligible borrowers.
DCB Bank 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
Amount of Loan
Up to Rs. 5 crore
Rate of Interest
9.75% p.a. onwards
Processing Fees
Up to 2% of the loan amount (Min. Rs. 5,000)
Max Tenure for Loan Repayment
20 years
DCB Bank Home Loan Interest Rates in 2025
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried | 9.75% p.a. onwards |
| Self-Employed | 9.75% p.a. onwards |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
External Benchmark Lending Rate (EBLR) is 9.56% p.a.
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 9.75% p.a. onwards |
DCB Micro Home Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 9.75% p.a. onwards |
Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Bank Customers | 9.75% p.a. onwards |
Interest rates were last updated on 10th June 2025
DCB Bank Home Loan Overdraft Option
DCB Bank Home Loan Interest Rates for All Schemes in India
DCB Bank offers the best home loans to eligible applicants with minimum documentation. Be it to buy a home or a plot, renovate or extend a home, or to transfer the balance from another bank, DCB Bank offers it all under its different home loan schemes. The table below highlights the home loan schemes offered by DCB Bank and the interest on each plan.
| DCB Bank Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| DCB Regular Home Loan | 9.75% p.a. onwards |
| DCB Micro Home Loan | 9.75% p.a. onwards |
| DCB Balance Transfer Home Loan | 9.75% p.a. onwards |
| DCB Top-Up Home Loan | 9.75% p.a. onwards |
DCB Bank Home Loan Interest Rates for Balance Transfer, Top Up and Overdraft
To make it more convenient for home loan borrowers, the DCB Bank offers three types of additional facilities. The purpose is to reduce the financial burden on the customers at the time when they need urgent funds for professional or personal needs. Have a look at these three flexible home loan facilities offered by the DCB Bank
DCB Bank Home Loan Balance Transfer
DCB Bank Home Loan Top-Up
DCB Bank Home Loan EMI Calculator 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 9.75% p.a. | Rs. 13,077 | Rs. 9,485 | Rs. 8,592 |
| Rs. 20 lakh | 9.75% p.a. | Rs. 26,154 | Rs. 18,970 | Rs. 17,183 |
| Rs. 30 lakh | 9.75% p.a. | Rs. 39,231 | Rs. 28,456 | Rs. 25,775 |
| Rs. 40 lakh | 9.75% p.a. | Rs. 52,308 | Rs. 37,941 | Rs. 34,366 |
| Rs. 50 lakh | 9.75% p.a. | Rs. 65,385 | Rs. 47,426 | Rs. 42,958 |
| Rs. 60 lakh | 9.75% p.a. | Rs. 78,462 | Rs. 56,911 | Rs. 51,549 |
| Rs. 70 lakh | 9.75% p.a. | Rs. 91,539 | Rs. 66,396 | Rs. 60,141 |
| Rs. 80 lakh | 9.75% p.a. | Rs. 1,04,616 | Rs. 75,881 | Rs. 68,732 |
| Rs. 90 lakh | 9.75% p.a. | Rs. 1,17,693 | Rs. 85,367 | Rs. 77,324 |
| Rs. 1 crore | 9.75% p.a. | Rs. 1,30,770 | Rs. 94,852 | Rs. 85,915 |
Disclaimer:
The figures in the table above are based on a 9.75% p.a. interest rate offered by the DCB Bank. They may vary, however, based on the different interest rates offered by other banks, your monthly income, and other factors.
How to Calculate DCB Bank Home Loan Interest Rates?
The best way of determining the interest rate payable on a DCB Bank home loan plan is by using the online home loan interest rate calculator available at EMI. Feel free to use this easy-to-use online EMI calculator to plan your monthly finances better without any confusion. The table below provides a detailed estimate of the EMI payable and the interest rate on DCB Bank home loans
Compare DCB Bank Home Loan Interest Rate with Top Banks
We recommend you take some time to compare the DCB Bank home loan interest rate with other leading banks and NBFCs of India. This comparison will help you make an informed decision on why you are choosing a home loan from the DCB Bank and not from others. The table below highlights the interest rates and processing fees of other popular financial organizations in India providing home loans
DCB Home Loan Balance Transfer Interest Rates
The DCB Bank prefers to lighten the financial burden of its customers and for this, it offers them to transfer their outstanding balance on loan repayment from another bank to DCB Bank’s lower rate of interest home loan schemes. This is done through the DCB Bank home loan balance transfer scheme.
DCB Bank home loan transfer interest rates start at 9.75% per annum. Both salaried and self-employed borrowers can easily avail of this scheme offered by the bank. Have a look at the easiest way to apply for a DCB Bank balance transfer home loan:
Go to the Repay Right section on the BASIC Home Loan website - Repay Right
Enter the required information in the provided form and fill in the key details on the current outstanding loan amount, existing rate of interest per annum, new rate of interest per annum, existing loan repayment tenure, and existing EMI paid on the loan amount.
Click on Next once you have entered the required details on the form.
You can see your total savings with the DCB Bank Home Loan Balance Transfer option on the next page.
Alternatively, you can get in touch with one of the team representatives of BASIC Home Loan, who can help maximize your savings with DCB Bank Balance Transfer on home loans.
Talk to our Expert
- Neutral, AI-backed advice
- Compare 50+ lenders instantly
- Transparent process, Zero bias
By continuing, I agree with Basic Terms and Conditions and Privacy Policy
FAQ's
Ready to Find the Best-Fit Home Loan?
- Talk to Your Dedicated Loan Expert Today!
