What are the Fees and Other charges?

Transparency is a critical factor of a digibank by DBS personal loan. 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 will depend on loan tenure.Foreclosure can only be done 12 months from date of disbursement and is collected on the principal outstanding + GST as applicable.Here are the charges for different tenures: 2 - 24 months: 4.50 % 25 to 36 months: 2.50 % 36 months or more: 2 % The same rates apply to part prepayment charges, which can only be done after completion of 12 months from date of disbursement subject to maximum two prepayments in a year.If standing instructions are dishonoured,the charges will be Rs.600 / -per instance + GST,and there will be a penal interest rate at 24 % per annum,i.e.2 % per month,on the overdue instalment.

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

Q: What if I change my mind after sanction?

Loan cancellation can be only be done during the first two days from the disbursal of the loan. There are no cancellation charges, but the processing fee and applicable taxes collected will not be refunded.

Personal Loans In Kolkata

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Kolkata is home to many working professionals and families. From medical expenses to education fees or personal needs, unexpected costs can come up anytime. DBS Bank offers personal loans in Kolkata with a simple online application process and flexible repayment options to help you manage such expenses with ease.

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Features & Benefits of DBS Bank Personal Loan in Kolkata

DBS Bank offers loans in Kolkata that are tailored to the needs of the working population and households in the city. Below are the main features:

Benefit from low personal loan Interest rates starting at 10.99% per annum, depending on the profile and selected tenure
Repayment tenure choices of 12 to 60 months
Apply for a borrowing limit of up to ₹15 lakh based on eligibility.
All charges disclosed upfront provide clear and honest terms
No paperwork needed, application is fully online
Plan your repayments using our online EMI calculator for ease.

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Documents Required for a Personal Loan in Kolkata

Applying for an instant loan in Kolkata through DBS Bank is fully digital and requires minimal paperwork. You can apply using the DBS digibank app or through our online loan application form.

Document Type	Required Documents
Identity Proof, Address Proof	Aadhaar, Pan Card
Income Proof	Latest salary slips for Salaried Bank statements or ITR for Self-Employed

Once your details are verified, the loan is processed quickly and disbursed to your account.

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How to Apply for a Personal Loan in Kolkata

The process of applying for an instant loan in Kolkata with DBS Bank is 100% digital and doesn’t require any paperwork or branch visit. You can simply apply from your phone or laptop.

Step 1: Apply Online
Download the DBS digibank app or log in to your account. Apply personal loan online by selecting your loan amount and entering basic details.

Step 2: Submit Documents
Upload your PAN, Aadhaar, and contact information. In some cases, recent bank statements may be required.

Step 3: Receive Funds
Once your details are verified, the loan amount is transferred directly to your DBS savings account.

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Personal Loan EMI Calculator for Kolkata

Calculate your monthly repayment using the Personal Loan EMI Calculator before applying. Input your loan amount, interest rate, and desired tenure. It provides you with an instant estimate of your personal loan EMI, allowing you to plan your finances accordingly. Try different combinations to compare EMIs and choose what works best for you.

Uses of Personal Loan in Kolkata

A DBS Bank personal loan in Kolkata is the perfect solution for taking care of both anticipated and unforeseen expenses. Below are some typical uses of a DBS Bank personal loan in Kolkata:

Wedding Loan
A wedding loan helps in managing wedding-related expenses like venue booking, catering, décor or photography with a hassle-free process and quick disbursal.

Travel Loan
Cover travel expenses like flight bookings, hotel reservations or family holidays, within India or overseas, using a Travel Loan.

Gadget Loan
Easily fund purchase of a new laptop or other gadgets through flexible repayment using a Gadget Loan.

Home Renovation Loan
Redesign, repair or upgrade your home with ease. Whether it's interiors, fittings or overall improvement, this loan helps you manage the cost.

Emergency Personal Loan
Avail funds on an urgent basis for medical expenses, home repairs or any other financial need.

Consumer Durable Loan
Purchase home appliances and electronics such as washing machines, refrigerators or televisions through a Consumer Durable Loan.

You can instantly check if you are eligible for a loan in Kolkata using the Personal Loan Eligibility Calculator before you apply. It makes you better prepared and apply with confidence.

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Frequently Asked Questions

What if I change my mind after sanction?

Loan cancellation can be only be done during the first three days from the disbursal of the loan. There are no cancellation charges, but the processing fee and applicable taxes collected will not be refunded.

How long does it take to get a personal loan in Kolkata?

With DBS Bank, the process is digital and fast. If your loan is pre-approved, you may get funds within minutes of completing the application.

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

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