DBS Digital Business Loans

Fuel your business growth with funding that’s tailored to meet your needs.
Apply for a quick, hassle-free digital business loan today and elevate your business to the next level.

Why DBS Digital Business Loans?

Hassle Free Application

Simple, paperless online application in just a few clicks


Quick Decisioning

In principal approval within 24 hours* of application


Tailor-Made Solutions

State-of-the-art digital solutions for all your financing needs. Working capital financing, trade products, online banking, online loan servicing and much more


Get INR 5 Cr in 5 days*

Available for trader/wholesalers, manufacturers, service industries and agri based industries. Loans offered up to INR 20 Cr* for enterprises with turnover up to INR 100Cr


Exposure up to 100% of Collateral Market Value

Clean Overdraft Facility up to INR 5 Cr. Residential, Commercial and Industrial property acceptable

Tailor-Made, Hassle-Free SME Credit

Turnover Up to INR 25Cr

INR 25Cr- INR 100Cr

Loan Amount Up to INR 5Cr* Up to INR 20Cr*
Facilities  Working capital financing, Trade facilities, Term loan Working capital financing, Trade facilities, Term loan
Collateral Residential, Commercial and Industrial property acceptable
Documents required*
  • Latest 12-month bank statements
  • Latest ITR
  • KYC documents and collateral details
  • Last 3-year audited financials
  • Latest 6-month bank statements
  • Latest ITR
  • KYC documents and collateral details


Popular Questions
How to apply for a DBS Digital Business Loan?

Click on “apply now” for a call back from a relationship manager to help you avail our facilities.

What is the applicable rate of interest? Does the bank charge any fees?

The interest rate will vary based on your company’s financial performance and the guarantors’ credibility.There is an arrangement fee when the loan is approved. For further details please refer here.

What type of collateral are acceptable for the loan?

Residential, Commercial and Industrial property are acceptable collaterals.

On applying for the loan, will my information be shared with any third party?

The list of third parties who may get access to the information for loan processing and analysis are as follows:

  • Jocata Financial Advisory and Technology Services Private Limited: 8-2-686/6/D/9 Roxana Fortune Complex, 2nd Floor,Rd No 12, Banjara Hills Hyderabad, Telangana 500034, India
  • Perfios Software Solutions Private Limited:  HM Vibha Towers, 5th Floor, No. 66/5-25, Hosur Road, Above Star Bazaar, Adugodi, Bangalore - 560030
  • Experian Services India Private Limited:  5th Floor, East Wing, Tower 3, Equinox Business Park, LBS Marg, Kurla (W), Mumbai, Maharashtra - 400070, India
  • Credit Information Bureau of India Limited:  One Indiabulls Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai, Maharashtra - 400013, India
  • NSDL: National Securities Depository Limited Trade World, A Wing, 4th Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel (West), Mumbai – 400013

Products Offered

Select one or more products below

  • overdraft

    Overdraft/Cash Credit

    Overdraft facility provides you with a flexible usage of the funds as you can loan up to an approved credit limit anytime.


    By utilizing only the amount required, the interest charged to you is only on the amount utilized.


    As it is a revolving line of credit, you pay regular monthly interest on usage but no fixed repayment.

  • term loan

    Term Loan

    Avail long term loans in both INR and foreign currency denomination.


    Long term loan can be availed for purchase of fixed assets, expansion of your manufacturing units or for other business purposes.


    Loans are offered for a period of up to 5 years depending on eligibility and project requirement.

  • packing

    Packing Credit

    Avail pre-shipment financing or Packing Credit as bridging finance with an Export Letter of Credit in hand.


    Packing Credit lets you access working capital financing for purchase of raw materials and shipping of the good.


    Proceeds from you Export Letter of Credit can be used to pay off the financing availed.

  • letter

    Letter of Credit

    Build relationships with clients and support new business opportunities with a DBS Letter of Credit.


    A Letter of Credit(LC) is issued at your request to assure payment to your supplier up to a stated amount. within a prescribed time.


    The documents received are then checked to be in compliance with the Letter of Credit terms and certify them before you make payment.

  • banker

    Bank Guarantee

    Reassure your buyer or seller of payment with a Bank Guarantee. In the event that you fail to fullfill your contractual obligations, we will honour payment to your beneficiaries upon receipt of a claim that complies with the guarantee terms.


    Performances Guarantee offered up to a period of 3 years (incl. claim period). Financial guarantee offered up to a period 1 year.

  • letter

    Invoice Discounting Purchase

    Purchase Invoice Discounting (PID) available in INR and FCY. Sales Invoice Discounting (SID) available in INR.


    Get instant cash flow on outstanding invoices without waiting for customer payments.


    More flexible than long term loan or OD/CC to manage late payments, or keep up with seasonal business demands.

  • spot

    Currency Hedging

    Manage your risk and grow your business with forward contracts.


    Deal Online Platform to give you complete control to login anywhere for Foreign Exchange Transactions.


    SME advisory sales teams help you identify and hedge against the potential risks of doing business overseas. 

*Disclaimer: The timelines for processing of loans depend on complete and full submission of necessary documents to the Bank’s satisfaction. The granting of the requisite loan amount as applied for and the applicable rate of interest depend on the credit history, credit score, credit worthiness and cash flows of the business of the potential borrower/applicant.

Please click here for the list of parties with whom customer information for processing of loan can be shared by the bank.