Personal Loan

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DBS Bank Personal Loan
for every need

A Personal Loan from DBS Bank allows you to fulfil your aspirations with ease. Whether you want to throw a fancy wedding, book a dream vacation, or purchase something exclusive and/or expensive, you can obtain the necessary funds with DBS Bank Personal Loans. With collateral free loans up to INR 15 lakh and competitive interest rates , DBS Bank Personal Loans allow you to transform your aspirations into reality.

With a quick Personal Loan from DBS Bank, you can complete the loan application process online in minutes and get rapid fund disbursal with our fast-track Personal Loan facility. Check your loan eligibility and get instant Personal Loan sanction depending on your eligibility. You also have total flexibility with longer loan repayment tenures and can easily repay the Personal Loan in pocket-friendly EMIs.

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An instant online Personal Loan that lets you do more

Imagine a world where you have access to funds at your fingertips and on-demand. At DBS Bank, when you apply online for a Personal Loan, we ensure you are not stuck with tedious documentation and waiting periods. With a DBS Bank Personal loan, you have access to the following features:


Instant Loan In-Principle Approval

Apply for a Personal Loan, and get instant approval within just a few minutes of initiating the process.


Clutter-Free Digital Loans

Worried about the endless paperwork and never-ending forms? At DBS Bank, our digital-first approach ensures that you do not even have to visit our bank branch. Get a Personal Loan in India easily via our digibank app or mobile banking platforms.


3-Days Freelook Period

Not sure if you have made the right decision? You can cancel your Personal Loan application with ease within the 3-day freelook period offered exclusively by DBS Bank. *Loan processing charges and tax are not refundable.


Better Interest Rates

Enjoy better interest rates on your Personal Loan, throughout your loan tenure. At DBS Bank, our Personal Loan Interest Rates, start at 10.99%* only.


Choice of Loan Tenure

Flexibility is key when you choose a Personal Loan. Our flexible repayment tenures between 12 and 60 months ensure that you always stay in control. Repay the Personal Loan in easy EMIs and take advantage of the ample breathing room available to you to fulfil your dreams.


Effortless Loan Management

A single tap on the digibank app or access via internet banking ensures that you have full control over your Personal Loan. Embrace the convenience of digital banking and take advantage of express disbursal options available to you.


Easy Loan Repayment

Paying your Personal Loan EMIs is easy with your DBS Bank. With just a few clicks on your phone you can instantly make the monthly payment. You can also set standing instructions on your bank account to repay the EMIs on a fixed date every month, your Personal Loan repayment can be automated.

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Unlock A World of Possibilities through DBS Bank Instant Personal Loans

At DBS Bank, we offer a Personal Loan to help you fulfil almost any need.

Wedding Loan


Preparing for your big day? Avoid compromising on your vision for your dream wedding. A high-value Personal Loan allows you to pay for every expense – trousseau, venue, photography, catering, and much more.


Travel Loan


Stop dreaming about that vacation and take action to embark on your long-awaited sojourn. Turn your Personal Loan into a Travel Loan and explore the world in total comfort.


Gadget Loan


Get your hands on the latest smartphones, gaming consoles, laptops, and other new-age tech that tickle your fancy. With a DBS Bank Personal Loan the gadgets you dream of are always within reach.


Renovation Loan

Home renovation loan

Thinking of a makeover for your home? Our Personal Loan gives you the freedom you need to take the right decisions. From renovations to repairs, everything you want to do can now be done with ease.



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Check your eligibility within seconds

With our simple eligibility criteria, anyone can apply for Personal Loans. You should be:

checkAn Indian Citizen.

checkBetween 21 and 60 years of age.

checkA salaried professional or a self-employed individual.

checkEarning at least ₹25,000 per month.

Unlock your dreams in 4 easy steps

Complete the quick and hassle-free Personal Loan application process with these simple steps:


Run a quick eligibility check to assess your chances of getting the Personal Loan approved. You can use our Personal Loan Eligibility Calculator to assess your eligibility.


Open your DBS Bank Savings Account instantly via the digibank app.


Complete the instant KYC verification process.


Get the Personal Loan amount credited into your account.

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Think That's All? There's more where that came from!

Whether it’s smarter savings, better investments, easy personal loans, international fund transfers - your digibank is designed to help you live better. It’s so easy, it feels like magic!


You don’t need to be a finance guru to make smart investment choices. You’ve got DBS Bank to help you become your own expert.

Fixed Deposit

Stay ready for every contingency and rainy days with fixed deposits at a higher interest rate.

digibank by DBS

An app for all your baking needs by Asia's safest bank.


Keep love and life undelayed with instant international transfers at no extra cost.


Through thick and thin, we’ve got you covered with health insurance plans for the family, automobile insurance and travel insurance.

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Frequently Asked Questions

What is the minimum and maximum Personal Loan amount that DBS Bank provides?

At DBS Bank, we provide Personal Loans ranging from ₹25,000 to ₹15 lakhs.

What charges does the bank levy on DBS Bank Personal Loans?

We charge a one-time loan processing fee, including taxes during loan approval. You may also need to bear circumstantial charges pertaining to EMI repayments, prepayments, and foreclosure.

How to calculate the estimated Personal Loan EMI amount?

You can use DBS Bank's Personal Loan EMI calculator to compute the potential EMI for your Personal loan, based on the applicable interest rates and loan repayment tenure. Our free-to-use online tool doubles as a budget planner to suit your loan repayment ability.

How long does it take for DBS Bank to approve Personal Loans?

At DBS Bank, we provide fast-track Personal Loan approval and disbursals. We disburse the Personal Loan amount within 4 to 48 hours.

Do I need to pledge any collateral to avail of a Personal Loan?

No, DBS Bank offers collateral-free Personal Loans We do not ask you to provide any asset as security.

How can I ensure Personal Loan approval?

You can ensure the approval of your Personal Loan in India by fulfilling our eligibility criteria and providing the necessary documents requested by the bank to process the loan application.

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

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Sachet Portal

Reserve Bank of India (RBI) has launched a website ( to curb illegal and unauthorised pooling of funds by unscrupulous firms.

For more details refer to:

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