A Personal Loan from digibank by DBS can help you meet your diverse financial needs - be it easy finance for a holiday, quick funds to take care of last-minute wedding expenses, medical emergency or just cash to buy a gadget.

It’s instant, seamless and paperless and you can avail a loan up to Rs. 15 lakhs. What’s more? Get competitive interest rates, flexible loan tenures and easy loan repayment options. So go ahead, check your eligibility & apply for a Personal Loan in just a few taps.

Apply now to get an instant approval with just your PAN and Aadhaar number!


Features & Benefits

digibank Personal Loans comes with an array of attractive features.

Know your Loan Eligibility Instantly

It’s quick and can be done in a couple of minutes

100% Digital and Paperless Application Process

No physical document submission

Competitive Personal Loan Interest Rates

Interest rate remains unchanged throughout the tenure

Flexible Loan Tenures

From 12 months to 60 months

Easy & Flexible Loan Repayment

Manage your loan from the app

Instant Disbursal for Pre-approved Loans

Eligible digiSavings customer will receive a pre-approved offer



Eligibility Criteria

Are you eligible for a digibank Personal Loan? Here’s what you need to know about Personal Loan eligibility.


Minimum 22 years 
Maximum 60 years at the time of Loan Maturity


Salaried or Self Employed


Minimum of INR 20,000 per month

The processing fees and other charges are highly competitive, making your Personal Loan more affordable.

Interest Rates

10.99% to 23.99%

Click here to view fees and charges for Personal Loan.


Calculate your Personal Loan EMI Instantly

Easy to understand tool that makes loan planning easier for you.




How to Apply for Personal Loan

  • For digibank users

    Using the digibank mobile app
    Launch the app on your smartphone
    Log in and tap "Loans" in the navigation menu

  • New to digibank?

    There are two easy ways for you to get a digibank Personal Loan
    • Click on the apply now button on this page and check your loan eligibility in just a few clicks
    • You can also download the digibank mobile app on your smartphone, launch the app and click on the “Get Personal Loan” link on the login page.

Android     Apple


Frequently Asked Questions

digibank Personal Loans are paperless, signatureless and hassle-free loans. We really do not ask for any physical documents or ask you to fill any paper-based application forms. You can apply for the loan at your convenience by clicking on the apply now button on this page or by downloading the digibank app. There’s no need to visit a branch.

We will be happy to help you out with a Personal Loan between Rs. 25,000 and Rs. 15 lakhs. The loan amount depends on your eligibility.

Applying for a digibank Personal Loan is completely paperless. You just need to give some personal details to apply. In case you need a loan that’s over the approved limit, we’ll need your bank details or statements to be uploaded (other than digibank). No other documents like salary slips or IT returns are needed.

Here’s some important information on the charges & fees connected to a Personal Loan:
A one-time processing fee will be charged along with applicable taxes when you avail of a Personal Loan. You will also have to pay monthly EMI during the repayment tenor to repay your Personal Loan. The rate of interest and processing fee will depend on your eligibility. It will be displayed on your screen when you check your eligibility. Other charges may include late payment charges, part payment charges and foreclosure charges. Click here to view fees and charges for Personal Loan.

Our Personal Loan application process takes a few minutes to complete. Once you complete the application process, your Personal Loan amount will be transferred to your digiSavings account after your account verification.

**All loans will be given out at the sole discretion of DBS Bank India Limited.

View the full list of FAQs

View  Terms and Conditions

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