Personal Loan Interest Rates 2025

DBS Bank offers competitive, low interest rates for Personal Loans starting at 10.99% per annum, making it easier to avail funds you need for any unforeseen expenses.

The DBS Bank Personal Loan interest rates are fixed, making it simple to plan your repayment plans.

To secure a personal loan with a low interest rate, it’s important to have a strong CIBIL score, ensure that you match the eligibility criteria and have paid previous dues on time.

There are additional fees and charges that are applicable to the borrowers. These fees can be levied on foreclosure or defaulting on EMI payments. Make sure to go through all the charges associated with DBS Bank Personal Loan here.

Foreclosure fees are applicable to the borrower, when they pay off the loan before the completion of tenure. These are calculated as a percentage of the outstanding loan amount. For the DBS Bank Personal Loan, the foreclosure charges can be 4.50% to 2% and additional GST.

Part-payment refers to when a borrower pre-pays a part of the loan before the end of the term, whereas foreclosure refers to when the entire loan is repaid before the end of the loan tenure.

Yes, banks charge GST on personal loan processing, pre-payment and other charges. GST is not applicable for loan repayment and personal loan interest payments.

You can easily avail of a low-rate personal loan with DBS Bank for a minimum of 12 months to a maximum of 5 years.

No, you don’t need to provide collateral or arrange guarantors to avail a personal loan with low interest rates with DBS Bank.

Penal Charges apply when the borrower delays EMI payments on the personal loan. DBS Bank charges 3% annual interest. This amount must be paid every month along with EMI.

To calculate the best personal loan interest rate and tenure, use our Personal Loan EMI calculator, to get an estimate of your EMIs instantly.

For DBS Bank users, you can simply click on apply now, to get a personal loan online. Alternatively, you can also use DBS digibank app, go to the loan section and select the personal loan option to apply instantly.

Once approved, your personal loan amount is immediately disbursed to your DBS Bank Savings Account. In most cases, the personal loan amount is disbursed on the same day of application.

You can cancel a personal loan within 72 hours of the amount being credited to your account. No charges are levied for the cancellation. The processing fees paid at the time of applying for the loan, however, cannot be refunded.

For dishonor of standing instruction, a charge of Rs. 600 plus GST is applicable for every instance. Partial prepayment and foreclosures are not permitted within the first 6 months of disbursal. The charges post 6 months from disbursement vary depending on the personal loan tenure.