DCB Bank की नवीनतम ब्याज दरें - September 2026

DCB Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from DCB Bank (DCB):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate starts at 1.50% p.a. on balances up to ₹1 Lakh, scaling to 2.25% p.a. (for ₹1L–₹5L), 3.75% p.a. (₹5L–₹10L), and up to 7.00% – 7.10% p.a. on higher balance tiers.
• Retail Domestic Term Deposits (FD): General 1-Year (12 to less than 15 months) FD interest rate stands at 6.90% p.a. (Senior citizens receive an additional +0.25% to +0.50% at 7.15% – 7.40% p.a.). Peak retail yields reach 7.50% p.a. for general depositors (8.00% p.a. for senior citizens) on the 24-month to less than 25-month and 34-month to less than 35-month special buckets.
• Home Loans (Housing Finance): Floating interest rates start from 8.50% p.a. (rack rates ranging typically from 9.75% – 11.50% p.a.) linked to DCB Bank's External Benchmark Linked Rate (EBLR at 10.08%), with repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: Commercial vehicle & car loan financing rates start from 10.60% p.a. on a fixed/EBLR-linked basis for tenures up to 7 years. Unsecured personal loans typically range between 11.00% p.a. and 18.00% p.a. on a reducing balance basis.
• Credit Cards: The flagship secured credit card (DCB PayLess Credit Card, backed by fixed deposits) features an industry-low finance charge of 2.00% per month (24.00% APR) with an interest-free grace period of 15 to 45 days.

💡 Financial Recommendation: Borrowers should maintain a CIBIL credit score above 750 to qualify for DCB Bank's lowest risk margin over EBLR (starting at 8.50% p.a.) and benefit from fee waivers under seasonal retail lending campaigns.