What DCB Bank asks for on home, vehicle, education loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How DCB Bank tends to lend (our read): A secured-lending bank: no unsecured personal loan in the current catalogue, and the 'business loan' is a property-backed facility. Home loans run to Rs 5 crore with a published 700 score floor and a 65-year income-earner age limit. Lends in: Metro, Tier 2, Tier 3 / other locations.
₹10,000 net per month; self-employed: ₹1,20,000 a year
Minimum credit score
700 (CIBIL or equivalent)
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹2,00,000 to ₹5,00,00,000
Tenure
1 year to 25 years
Documents DCB Bank lists
Completed application form with a signed photograph
KYC with Aadhaar and PAN (mandatory), address and age proof
Salaried: last 6 months' salary-account statement, 3 months' salary slips, Form 16 for 2 years, appointment letter
Self-employed: last 1 year's business bank statements, ITR for 3 years with computation, 2 recent GST returns, trade licence
Details of all existing loans, property ownership proof
Research notes
DCB Home Loan: Rs 2 lakh to Rs 5 crore, tenure up to 25 years, minimum age 21; maximum age is retirement plus 5 years for salaried and 65 for non-salaried applicants; credit score above 700 (published in DCB's own home-loan guide dated April 2024, which the current product page does not repeat); processing fee up to 2% with a Rs 5,000 minimum; co-applicant income counts. Minimum built-up area 226 sq ft, property age up to 70 years. Income floor and LTV are not published - RBI bands and a nominal floor assumed.
By ClearToLend's estimate (not a rule DCB Bank publishes). See the source card.
Vehicles financed
New car, commercial
Funding (LTV)
up to 100% of the price (commercial)
Fees and charges
Car loan (June 2025 vehicle-loan form): new-car processing 2% per application, minimum Rs 5,000; login and valuation nil; cheque / NACH return Rs 750; fixed-rate foreclosure 4%.
Research notes
DCB's car-loan page publishes no age, income, score, amount, LTV or tenure, so the block is inferred and engine defaults apply; third-party DCB car criteria are not used. The separate Commercial Vehicle Loan (not for cars, taxis or three-wheelers) publishes age 21-65, 1 year in the same line of business, cash generation of 1.3x, up to Rs 2 crore, up to 100% of asset cost for select profiles (90% of market value used) and 12-60 months; those values are kept here as notes only so they are not applied to car applicants.
By ClearToLend's estimate (not a rule DCB Bank publishes). See the source card.
Study location
India and abroad
Research notes
DCB Education Loan is listed and its product page is live, but it publishes no age, income, score, amount, tenure, margin, moratorium, collateral threshold or rate. The application form has parent/guardian and guarantor sections and asks for passport and visa for study abroad; the loan agreement covers education in India and technical/professional studies abroad. Tagged inferred because no eligibility gate is published.
ClearToLend is not affiliated with or endorsed by DCB Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with DCB Bank before you apply. A match is not a loan offer or approval.
DCB Bank Loan FAQs
The minimum net monthly income is ₹10,000, according to DCB Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 700 or above, according to DCB Bank's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, according to DCB Bank's own website.
No. ClearToLend compares your details with DCB Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with DCB Bank and does not send your details to it.
