The full form of EMI is equated monthly instalment, which is a fixed sum you have to pay each month. This includes repayment of principal and interest. The amount of EMIs you have to pay depends on the loan amount or principal, tenure, and the rate of interest.

Paying your digibank by DBS personal loan in Hyderabad EMIs is easy. It will be debited from your digiSavings account. All you need to do is ensure that your account has enough funds at least two days before the EMI payment date. EMI can only be paid through your digiSavings account. There’s no option of repayment from other bank accounts. We'll also send you regular EMI due date and EMI payment notifications.

Apply Personal Loan in Hyderabad at 10.99% upto ₹15 Lakhs

Q: What if I change my mind after sanction?

You can cancel loans only only within two days of disbursal of the loan. There are no cancellation charges, but the processing fee and applicable taxes collected will not be refunded.

Q: What are the fees and other charges?

Transparency is a crucial factor for us. Our nominal and extremely competitive fees and charges are listed below. You will never be billed for anything else.The processing fee is 1 % to 3 % of the loan amount + GST as applicable.Foreclosure charges depend on tenure.You can only foreclose a personal loan 12 months from the date of disbursement.Charges are collected on the principal outstanding + GST as applicable.Charges for varying tenures are: 2 - 24 months: 4.5 % 25 to 36 months: 2.5 % 36 months or more: 2 % You have to pay the same rates for part - prepayment,which can only be done 12 months after the date of disbursement subject to a maximum of two prepayments in a year.Charges of Rs.600 per instance + GST,and penal interest at 24 % per annum will apply in cases of default.

Personal Loans In Hyderabad

Apply for Personal Loan

Hyderabad is home to HiTEC City, with major multinational corporations having large operations based out of here. There are a plenty of opportunities which attract talent to relocate here along with it’s vibrant lifestyle. DBS Bank offers personal loan in Hyderabad as a convenient way to access funds, helping you meet your financial needs in a smooth and secure way. Experience the ease and benefits of borrowing with DBS Bank in Hyderabad.

Apply for Personal Loan

Features and Benefits of DBS Bank Personal Loan in Hyderabad

DBS Bank Personal Loan in Hyderabad aligns with most of the needs of working professionals and residents of the city, Take a look at the key highlights:

Interest rates begin as low as 10.99% per annum, subject to borrower profile and selected tenure.
Choose flexible repayment duration ranging from 12 to 60 months.
Borrow amounts up to INR 15 lakh, based on your eligibility.
Your loan details are clearly shared with you upfront, so there are no hidden fees involved.
Apply through a fully digital process, without the need for any lengthy paperwork process.

Apply for Personal Loan

Personal Loan EMI Calculator

Use the Personal Loan EMI Calculator to understand your monthly repayment in advance. Just enter your borrowing amount, applicable interest rate, and chosen tenure. Instantly get EMI estimate for your personal loan in Hyderabad, helping you plan better before applying.

Documents Required for a Personal Loan in Hyderabad

Applying for a personal loan in Hyderabad through DBS Bank is fully digital and requires minimal documentation. You can submit the necessary details using the DBS digibank app or our online loan application form.

Proof of Identity: Share your PAN and Aadhaar numbers along with your email and mobile number.
Proof of Earnings:
• For salaried individuals – recent payslips
• For self-employed applicants – income tax returns or recent bank statements
Other Financial Information: In some cases, you may be asked to provide a summary of your financial assets.

DBS bank provides personal loans for self-employed and salaried employee. Before starting your application, you can check your loan qualification instantly using the Personal Loan Eligibility Calculator available on our website.

Apply for Personal Loan

Uses of Personal Loan in Hyderabad

DBS Bank personal loan in Hyderabad can help you manage your financial needs with ease. Here are a few ways you can use it:

Wedding Loan
Easily manage wedding-related costs such as booking venues in Banjara Hills, arranging catering, or hiring photographers with the help of a Wedding Loan.
Travel Loan
Use a Travel Loan to cover the cost of air tickets, hotel bookings, and other trip expenses while planning a break or visiting family.
Gadget Loan
Upgrade to the latest devices, like a professional laptop or premium smartphone. A Gadget Loan can help you finance these purchases conveniently.
Home Renovation Loan
Redesign or repair your home, whether it’s a kitchen overhaul or flooring work. A Home Renovation Loan supports your plans for a refreshed space.
Emergency Personal Loan
Access funds quickly during urgent situations such as hospital bills, home repairs, or sudden financial shortfalls with an Emergency Personal Loan.
Consumer Durable Loan
Bring home appliances and electronics like a new washing machine or smart TV using a Consumer Durable Loan with simple repayment terms.

Apply for Personal Loan

How to Apply for Personal Loans in Hyderabad

Availing a personal loan from DBS Bank in Hyderabad is simple, secure, and entirely digital. Here’s how the process works:

Step 1: Submit Your Application
Choose your loan amount and share your basic details through the DBS digibank app or the loan application form on website.

Step 2: Provide Supporting Information
Upload identity proof like Aadhaar and PAN along with your contact details. Depending on your profile, you may be asked to share income documents.

Step 3: Get Funds in Your Account
Once your application is approved, the sanctioned amount will be credited directly to your DBS Bank savings account.

This online process eliminates the need for physical paperwork and makes applying for a personal loan in Hyderabad hassle-free.

Apply for Personal Loan

Frequently Asked Questions

What is an EMI?

An EMI (Equated Monthly Instalment) is a fixed amount you pay every month to repay a loan, which includes both the principal and interest.

What if I change my mind after sanction?

If you decide to cancel your personal loan after the amount has been disbursed, you can do so within three days of receiving the funds. While there are no cancellation penalties, the processing fee and applicable taxes will not be refunded.

What are the fees and other charges?

For personal loans in Chennai, DBS Bank applies a processing fee of up to 3% of the loan amount. Foreclosure and partial prepayment charges range from 2% to 4.5% of the outstanding or prepaid principal, based on your loan tenure. To view the full list of applicable charges, click here.

How do I pay my EMI?

You can pay your EMI for a DBS Bank personal loan through automatic debit from your linked savings account. The amount is deducted on the scheduled date each month, ensuring timely repayment without manual effort.

**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

Apply for Personal Loan