Dena Bank Personal Loan Key Features Apr 19 2024
| Eligibility Criteria | Details |
| Age | 21 – 60 Years |
| CIBIL Score | Minimum 750 or above |
| Dena Bank Personal Loan Interest Rate | 10.50% per annum |
| Dena Bank Personal Loan Processing Fee | 1% of the Loan Amount |
| Lowest EMI per lakh | Rs. 2149 |
| Loan Tenure | 48 to 60 months |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 10 Lakh |
Dena Bank Personal Loan Rate of Interest
Today, Dena Bank Personal loan interest rate is 10.50% p.a, with the lowest rates offered to existing customers of the bank with a strong CIBIL Score and those working with reputed corporate with a stable employment history. Dena Bank also runs special schemes for defence, armed forces, and government employees. The personal loan interest rate for government employees and defence personnel is different from private salaried employees.
Dena Bank Personal Loan Status
Now stay updated with the status of your loan. Simply just enter the required details and keep track of it at any stage. Just by entering the Applicant Name, Proposal Number, or mobile number, you will simply stay updated with your loan status.
Dena Bank Personal Loan Eligibility Criteria
Eligibility Criteria for Dena Bank Personal Loan:
| CIBIL Score Criteria | 750 and Above |
| Age Criteria | 21-60 years |
| Income Criteria | Rs 25000/month |
| Occupation Criteria | Salaried/Self-employed |
Dena Bank Personal Loan Fees & Other Charges
| Dena Bank Personal Loan Interest Rate | 10.50% per annum |
| Dena Bank Processing Charges | 1% of the Loan Amount |
| Prepayment Charges | NIL |
| Stamp Duty | As per state laws |
| Cheque Bounce Charges | As per bank terms |
| Penal Interest | 2% of the outstanding amount |
| Floating Rate of Interest | Not Applicable |
Dena Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Copy of (any one):
Passport Driving License Aadhar Card Voter ID Card |
| Address Proof |
Rent Agreement (Min. 1 year of stay) Utility Bills Passport (Proof of permanent residence) Ration card |
| Income Proof |
ITR: Last two Assessment years Salary Slip: Last 6 months Bank Statement: Last 3 months |
Dena Bank Personal Loan EMI Calculator
Dena Personal Loan Comparison with Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| SBI | Starting from 9.60% | 6 to 72 months | Up to Rs. 20 lakh / Up to 1.50% of the loan amount |
| HDFC Bank | 10.50% to 21.50% | 12 to 60 months | Up to Rs. 40 lakh / Up to 2.50% of the loan amount |
| Bajaj Finserv | Starting from 12.99% | 12 to 60 months | Up to Rs. 25 lakh / Up to 3.99% of the loan amount |
| Axis Bank | 7.35% to 24% | 12 to 60 months | Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount |
| Citibank | Starting from 10.99% | 12 to 60 months | Up to Rs. 30 lakh / Up to 3% of the loan amount |
| Private Bank | 10.50% to 19.25% | 12 to 60 months | Up to Rs. 20 lakh / Up to 2.25% of the loan amount |
Other Loan Products from Dena Bank
| Dena Bank Gold Loan | Dena Bank Car Loan | Dena Bank Home Loan | Dena Bank Business Loan |
| Dena Bank TWL | Dena Bank LAP | Dena Bank Credit Card | Dena Bank Education Loan |
Why should you apply for Dena Bank Personal Loan with Dialabank?
Dialabank is a team of professionals that will help you find the financial product according to your personal needs. We provide a wide range of products and have served many happy customers. With Dialabank, you get trust and convenience at your fingertips.
How to Calculate EMIs for Dena Bank Personal Loan
You need three parameters to calculate your EMIs
- Amount of the Loan
- Rate of Interest
- Tenure
Use these values in the calculator below to find your monthly EMIs
Dena Bank Personal Loan Processing Time
A Personal loan from Dena Bank is processed within a week. Existing customers and pre-verified customers can get their loans approved within 48 hours.
Dena Bank Personal Loan Preclosure Charges
You get a foreclosure facility on your personal loan from Dena Bank without any extra charges. If you have the required funds, you can apply for foreclosure and pay back your loan before the end of your tenure.
Documents Required for Preclosure of Personal Loan
Generally, the following documents are required to foreclose your Dena Bank personal loan:
- A valid photo identity proof
- Loan Account Statement
- Cheque/ demand draft/ cash to make the payment
Dena Bank Personal Loan Foreclosure Benefits
Given below are a few key benefits of foreclosing your Dena Bank personal loan:
Foreclosure / Full Prepayment
- Helps you save on the overall interest payout.
- Frees you from the burden of regular loan repayments.
Partial Prepayment
- It enables you to save on the interest component.
- You also have the advantage of either paying a reduced EMI amount or having a shorter loan tenure.
Dena Bank Prepayment Facility
Dena Bank also offers a prepayment facility to help the customers pay off the entire outstanding or a part of it. If you have a surplus amount of money in hand and meeting the below criteria then you can pay a part of your principal outstanding amount to reduce the same. This will also help in saving interest accrued on the principal amount. Know more about this facility below.
- Prepayment will be allowed subject to the successful payment of the first 12 EMIs
- Prepayment will be allowed a maximum of twice during the entire tenure of the loan
- Prepayment is allowed only once a year
- At any point in time, the prepayment will not exceed 25% of Principal Outstanding
Charges to be paid on Prepayment
- 13-24 Months – 4% of the outstanding loan balance
- 25-36 Months – 3% of the outstanding loan balance
- More than 36 Months – 2% of the outstanding loan balance
Pre Calculated EMI for Dena Bank Personal Loan
| Rate | 5 Yrs | 4 Yrs | 3 Yrs |
| 9.99% | 2149 | 2560 | 3250 |
| 11.00% | 2174 | 2584 | 3273 |
| 11.50% | 2199 | 2608 | 3297 |
| 12.00% | 2224 | 2633 | 3321 |
| 12.50% | 2249 | 2658 | 3345 |
| 13.00% | 2275 | 2682 | 3369 |
| 13.50% | 2300 | 2707 | 3393 |
| 14.00% | 2326 | 2732 | 3417 |
| 14.50% | 2352 | 2757 | 3442 |
| 15.00% | 2378 | 2783 | 3466 |
*Note – All EMIs are calculated for a Loan Amount of Rs. 1 Lakh.
Dena Bank Personal Loan for Salaried Employees
Dena Bank offers Personal Loan for Salaried Employees at attractive rates of interest. The amount that you get a loan depends on the Company that you work for, The take-home salary of the employee, and the city of residence of the employee. Dena Bank offers these loans for a tenure of 12-60 months and provides instant approval along with funds to pre-approved customers.
Dena Bank Personal Loan for Self Employed Individuals
Dena Bank’s Personal Loan for Self Employees is a loan product offered to self-employed individuals and in need of funds. The bank provides them with attractive rates of interest on their personal loan and tenure of 12-60 months. However, as compared to Salaried Employees, you have to present more documents here as you need to provide the bank with sufficient documents related to your business to prove its continuity as well as your steady income.
Dena Bank Personal Loan for TCS Employees
- Exclusive personal loans with a reasonable interest rate of 11.25% p.a.
- EMI for personal loans starts at Rs.2178 per lakh when terms and conditions are met.
- The hassle-free documentation process for TCS employees.
- Pre-approved personal loans for eligible TCS employees.
- Interest rate starting at 11.99% p.a for superbike loans.
- Great offers on home loans with an interest rate of 9.45% p.a and discount interest rate for women at Rs.9.40% p.a.
Dena Bank Moratorium Process
The process to stop your loan EMIs at Dena Bank is as follows-
- Visit the Dena Bank website or use the mobile app
- Click on the link where the option of moratorium period is popping out
- On the application page, mention your registered mobile number, name, email address
- After that enter your date of birth and select the type of loan
- Enter your loan number and mention your EMI amount
- Then make a decision and choose a suitable service
- Click on the EMI deferment option that says I agree to pay the accrued interest on the outstanding balance
- Click on the ‘Submit’ button
- The bank will check the details thoroughly and process your moratorium request
- You’ll be given a reference upon the successful completion of the process. on your registered mobile number and email address
However, if you don’t want to defer EMI, you must click on the second option after the deferment option. This will ensure EMI payments are as scheduled with no extra interest charged on them. Select the defer option if your answer is yes otherwise your EMI debited as it was doing in the past
Dena Bank representatives can also get in touch with you via WhatsApp or call regarding the moratorium process.
Dena Bank Personal Loan Special Pricing
If a customer is looking for INR 15 lakh of the loan amount or more than that below rates would be applicable.
| Loan Amount | IRR | Processing Fee (+GST) |
|---|---|---|
| Loan amount >=15 lakh* | 10.50% | INR 3999 |
*Terms & conditions apply
This offer is not applicable for Top-up/ Enhancement/ Existing loan amount closure.
If a customer is looking for a Balance transfer and a fresh loan of above INR 10 lakh above, the below offer is available.
| NTH | Loan Amount | IRR | Processing Fee (+GST) |
|---|---|---|---|
| >=50000 | Loan amount >=10 lakh* | 10.50% | INR 3999 |
*Terms & conditions apply
- Not applicable on Existing loan closure
- Not applicable for Credit card BT
How to Manage a Personal Loan
Here are the 4 tips that will help you manage your loans:
1. Pay On Time
The first step is to avoid late fees and penalties. The best way to do that is by paying your monthly payments on time every month. This also hits the credit score. These are needless and all too common consequences that will work against your financial condition.
If you have just taken a personal loan or are about to, the best way to manage your loan is by making a monthly payment on your loan as soon as you receive the loan. By being a payment ahead of your instalment plan you will have a buffer against a missed payment.
2. Pay More Than Your Minimum
Paying beforehand is a good option for managing your plans but paying a little extra every month keeps you ahead of your loan term and provides you with some other financial bonuses.
Moreover, paying extra on your loan reduces the length of the repayment plan. This will help you clear the debt and allows you to regain your financial independence sooner. It will also reduce the rate of interest you owe and thus, saving you money in the long run.
Paying off your debts faster also leads to an improvement in your credit score. A lower credit score will benefit you in several ways, like dropping down payments and rates of interest.
3. Consolidate Your Loans
For debtors managing multiple personal loans, consolidation could be the best way to simplify your debt repayment. Debt Consolidation is when you take a large loan to repay all the other loans you have taken. So, instead of paying multiple lenders every month with different rates of interest and needs, one can make a single payment to one provider.
Debt Consolidation is helpful if you can save an interest rate on a new loan that is lower than the average interest rate of the earlier loans.
The only disadvantage that lies here is that one will likely end up having to reimburse the debt quicker than before. Before consolidating your debt, make sure that you can make the payments on a new loan. This may also help to reimburse large portions of your loans on credit rather than with a single loan, consolidating it into more controllable pieces.
4. Credit Score
Last but not the least, always keep a close watch on your credit score while reimbursing a personal loan. The credit score plays a major role in finances and has an important relationship with the loans taken out. How you manage your loans is reflected in your credit score. On the other hand, falling behind on your payments will subordinate the credit score. Thus, a higher credit score is important.
Different Offers for Personal Loan Offered By Dena Bank
Dena Bank Marriage Loan
You can apply for a personal loan to meet all the expenses of a marriage, be it yours or that of family members. You will get a loan amount that will cover all your needs at affordable rates of interest.
Dena Bank Doctor Loan
Medical professionals and doctors receive extra benefits and an extended period to repay their loans. They can use a personal loan for both their personal and professional needs.
Dena Bank Personal Loan for Government Employees
Government employees get extra benefits and a reduction in their interest rates for personal loans. If you are defence personnel, you will be levied off of processing fees.
Dena Bank Personal Loan Offers for Government Employees:
| Offers By Government | Number of Companies | Processing Fee(% of the Loan Amount | IRR |
| Miniratna, Navratna, and Maharasthra | 55 | 1.50% | 13.49% 11.49% 10.99% |
| Pensioner | All | 1.50% | 14.75% |
| Employees from the Railway Department | All | 1.50% | 16.50% 15.00% 14.25% |
| CISF, CRPF, ITBP, SSB and BSF | All | 1.50% | 14.75% |
State and Central Government Officers:
| Section | Salary | Processing charge | IRR |
| Government Officer Division A (GA) and Division B (GB) | NTH>24k | 2% | 16.75% |
| NTH>35k | 2% | 15% | |
| NTH>50k | 1.75% | 14.75% |
Dena Bank Personal Loan for Pensioners
Offers and schemes specially tailored to the needs of pensioners and elderly citizens allow them to meet their financial requirements. Banks provide special rates and terms for people who draw pensions from their bank.
Dena Bank Personal Loan Balance Transfer
If your current and existing personal loan is high interest, you can apply for a personal loan balance transfer to transfer your loan to another bank at lower rates and a better tenure period.
Dena Bank Personal Loan Top Up
If you feel the need for extra money, instead of applying for a fresh loan, you can get a loan top-up on your existing personal loan.
Dena Bank Personal Loan Overdraft Scheme
Dena Bank Offers an Overdraft Scheme. With this, you are provided with a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Personal Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Dena Bank Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
Types Of Dena Bank Personal Loan
Home Renovation Loan
Renovation of the house has always been a labour of love for those who are aspiring to do so. Dena Bank supports your cause and provides specific funds for any refurbishment activity such as; tiling, repainting, new instalments, etc.
This category of Personal Loans helps you get the desired fixes made in your house. The amount provided can be applied for any purpose that includes home renovation. Some of the key features of Dena Bank Home Renovation Loan are as mentioned below:
- The loan is accessible to both new and existing customers. The loan amount covers a maximum of 90% of the renovation estimate for new customers and for the existing ones it covers the entire estimate.
- The loan is made available at as low as a 6.90% interest rate.
- The processing fee is extremely favourable for any such customer i.e. up to 0.50% of the loan amount.
- This renovation loan demands the least documents from the borrower.
- Extended loan tenure of 15 years is facilitated.
Dena Bank Holiday Loan
Dena Bank now assists you to keep your vacay spirit high. With no more second thoughts anyone can apply for Dena Bank Holiday Loan that covers all your holiday plans from travel booking to lodging everything is looked after. The key highlights of the Dena Bank Holiday Loan are specified as below:
- The Dena Bank Holiday Loan takes a few minutes to get approved.
- The disbursement of loan advance takes a maximum of 24 hours to get credit in the borrower’s account.
- Basic documentation and instant approval assure a stress-free vacay time in just a few minutes.
- Online accounts accessible to the borrower facilitate a facility to track the loan details and thus, the borrower is updated every minute.
Dena Bank Fresher Funding
Dena Bank has designed a special credit for those candidates who are recently graduated and seek a job in a stranger town. Dena Bank understands your need and Hence Fresher funding Loan covers your expenses from house rent to essential commodities. The key highlights of Dena Bank Fresher Funding Loan are:
- A candidate of a minimum of 21 years is eligible for approval of a Fresher Funding Loan.
- The candidate must possess a clean profile as these unsecured individual loan providers take a look into your profile which is inclusive of credit score, repayment patterns, and dues.
Dena Bank NRI Personal loan
Dena Bank has introduced advanced steps into the field of credit which now favours the NRIs, Dena Bank NRI Personal loan offers loan advances to NRIs. essentially, the primary loan candidate is required to be an Indian Citizen and the co-candidate NRI should be a close relative. The Dena Bank NRI Personal Loan constitutes the following features:
- A flexible loan amount is a disbursal to the candidate and has no end-use restriction.
- Favourable interest rates.
- A flexible loan repayment tenure is featured for the NRIs who aspire to get funds for the desired purpose.
Dena Bank Personal Loan Preclosure Online
Dena Bank allows the borrowers to pre-pay their personal loan after the completion of a specific time period at some additional foreclosure charges. However, there are a few Yes personal loan preclosure criteria that you need to meet to close the account.
- Preclosure of your Dena Bank personal loan will be allowed any time during the entire loan tenure after at least 1 instalment is paid by the borrower.
- For pre-paying or pre-closing your Dena Bank personal loan, you will have to repay the total outstanding amount along with all other applicable charges
- You have to pay 5% of the loan amount that is outstanding after the payment of the EMIs along with taxes before closing your personal loan as preclosure charges.
Dena Bank Personal Loan Process Steps
Step 1: Determine your requirement.
Figure out why you need a Personal Loan and how much you need. For example, you may need a loan to fund your wedding or to renovate your home. And you may need just Rs. 1 lac or Rs. 10 lac.
Step 2: Check loan eligibility
Once you know how much you need, you should check whether you are eligible. You can visit the Dena Bank Personal Loan Eligibility Criteria online, to find out how much you can borrow as a Personal Loan. Dena Bank offers loans up to Rs. 40 lac.
Step 3: Calculate monthly instalments –
Use an online EMI tool to calculate your approximate loan repayments every month. You can modify the interest rate and tenure to match your monthly income, like on the Dena Bank Personal Loan EMI Calculator. Dena Bank offers pocket-friendly EMIs on all its Personal Loans starting at Rs. 2040 per lac * (T&C).
Step 4: Approach the bank –
You can apply for a Personal Loan with Dena Bank in various ways: Via Net Baning, online on the Dena Bank website, at an ATM, or by visiting a branch.
Step 5: Submit documents -.
Next, find out what documents are required for a Personal Loan. You will usually need income proof (bank statements, salary slips or IT returns), address proof, and ID proof. Hand over copies of your Personal Loan documents at the bank.
Wait for funds to be remitted to your account. Dena Bank disburses funds for pre-approved loans to customers in 10 seconds*, and for non-Dena Bank customers in 4 hours*.
That’s how to get a Personal Loan in 5 easy steps!
Dena Bank Personal Loan Prepayment Charges
If you are a salaried applicant, you can pre-pay your Dena Bank Personal Loan only after paying 12 equated monthly instalments completely.
The pre-payment charges for salaried applicants are as follows:
- 4% of the outstanding principal amount for 13 to 24 months.
- 5% of the outstanding principal amount for 25 to 36 months.
- 2% of the outstanding principal amount for more than 36 months.
How to Apply for Dena Bank Personal Loan with Dialabank?
At Dialabank, we ensure to provide you with the best financial services at feasible interest rates on Personal Loans. To apply for Dena Bank Personal Loan, there is a list of steps that you should follow to ease your process.
- Visit Dialabank
- Compare and choose the right loan for yourselves.
- Fill an online form with your personal and employment details for Dena Bank Personal Loan.
- After filling the form, you can check the eligibility criteria and interest rates online.
- Once you’re done with the submission, our customer relationship managers will connect with you for assistance.
- Make sure that you’re eligible for the loan.
- Eventually, your loan gets approved within no time.
- For more information, you can visit your nearest Dialabank branch or call 9878981166.
Personal Loan Verification Process:
Given below are the essential Personal Loan Verification steps that are necessarily required once the application is approved for your Personal Loan:
- Step 1: Dialabank will instantly forward your application to the preferred lending institution and within 48 hours you will receive an update as to how to go about it.
- Step 2: A differentiated loan representative will schedule a pick up for documents such as KYC, income proof, etc. or an online update will be scheduled for document submission. This is essential for the verification of the application.
- Step 3: Once the application qualifies for approval after verification and the loan gets sanctioned, the borrower gets in touch with the lender to give them heads u on the consent disbursal of the advance.
- Step 4: Once the application and verification go past these steps, the amount disbursal takes a maximum of 48 hours.
Check your Dena Bank Personal Loan Application Status:
If the candidate wishes to check the status of the personal advance, one must go through the following steps:
- You can physically visit the bank where you had applied for the personal loan and hand over the loan application to the officer for further proceedings.
- Visit the Dena Bank official website and fill in the details of your loan.
- Attach your loan details via mail to Dena Bank.
- Through the specific mobile app provided by the bank.
- The mentioned steps will let you check your loan steps at an ease.
How to Login into the Dena Bank Portal
- Visit Dena Bank’s official website.
- On the topmost right corner of the page click on “Login”.
- Now log in to your bank provided user ID and Password.
How to Check Your Personal loan Statement
The Loan candidates can download the Personal Loan Statement easily by following the steps given below:
- Visit the Dena Bank’s official website.
- Now select the “Contact” option and from the drop-down list select “Service request”.
- Subsequently, from the displayed select the Personal Loan option from the loan segment.
- Up next select the ” Loan account Statement Request”.
- Now you can easily log in to your user Id with the registered mobile number and submit the OTP to get the loan statement.
Dena Bank Personal Loan Restructuring (COVID-19)
The pandemic-induced lockdown nationwide has adversely impacted the borrowers and to ease the effects of the circumstances, a 6-month mortarium was granted to all the borrowers. After the completion of the 6-month tenure, the Dena Bank offered an advantage to the borrowers for credit rebuilding. This framework was devised to alleviate the borrowers who were hit hard by the pandemic.
This framework by Dena Bank offers extra relaxation for two years. The Dena Bank revamped its operation model to battle the after-effects of unprecedented lockdown. By opting for the moratorium the borrower will no more be obliged to pay EMI during the moratorium tenure. Nevertheless, this is a temporary deferment of the EMI. This moratorium scheme by Dena Bank comes with few consequences and the EMIs will return to the previous schedule post-moratorium period.
Dena Bank Customer Care
The customers of Dena Bank can get in touch with the bank through any mode:
- Via Phone: You can simply call Dena Bank on 9878981166 (toll-free).
- Request Callback: You can request a call back from the bank from the official website.
- Online Chatbox: The customers are engaged in two-way communication with the bank with the help of the online chat section.
- Branch Visit: You can always visit the city of Branch of Dena Bank
Benefits of Applying for Personal Loan on Dialabank
The customer gets an ample number of advantages of applying for a Personal Loan on Dialabank, which are as mentioned below:
- Free of cost Services: the online services provided by Dialabank are entirely independent of any service cost. Customer engagement is free of cost.
- EMI Calculator: The customer can easily know the net payable EMI on their Personal Loan with the help of an online EMI Calculator provided by Dialabank.
- Multiple Lenders Available: Dialabank makes available a variety of money lenders that suit your loan requirement.
- Customer Service 24*7: Dialabank gives you the liberty to apply for a loan anytime anywhere. Customer convenience is the core principle at Dialabank where the customers can request service at any time of the day.
How to get the best offer on Dena Bank Personal Loan?
You can get the best personal interest rates from Dena Bank subject to an assessment of your loan amount, salary, other obligation company you work with, and loan tenure. The following factors determine the personal loan rate of interest you can expect to get from Dena Bank:
How does Dena Bank Personal Loan work?
Here is the process:
| Maximum Annual Percentage Rate (APR) | 11% to 22.5% |
| A representative example of the total cost of the loan, including all applicable fees |
Here is an illustration of the total cost of the loan:
Total amount borrowed: ₹ 1,00,000 Time period: 12 Months to 60 Months Dena Bank Personal Loan Interest Rate: 10.50% to 22.00% Processing Fee payable to Upto ₹ 2,500 Fee payable to MyLoanCare: NIL Total Monthly Cost – From ₹ 2,149 for 60 Months ₹ 1,00,000 loan at 10.50% (lowest rate, longest time period) to ₹ 9,359 for 12 Months ₹ 1,00,000 loan at 22.00% (highest rate, shortest time period). This is inclusive of principal repayment. Annual Percentage Rate (APR) of charge including all applicable fees: 11% to 22.5% Total cost payable over loan tenure: ₹ 8,278 for 12 Months loan to ₹ 31,463 for 60 |
Important Aspects
Given below are the important aspects that one should keep into consideration before applying for Dena Bank Personal Loan:
- A sneak-peak into your credit score should mandatorily be done before registering for any Individual Loan with Dena Bank. A strong credit score can help you easily get your Personal Loan with preferable interest rates.
- It is recommended to look into the costs and interest rates provided by different banks for the Personal Loan, you can easily compare the prices at Dialabank.com.
- The loan acquisition should be done based on the repayment potential of the applicant. If you are capable of getting a higher amount just because you are qualified to get it in such cases try avoiding it will only add to your interest charges. And is not advantageous for the long haul.
- Avoid borrowing the loan from multiple lenders at the same time, this reflects a negative impression that you are credit-desperate. This negatively impacts your credit score as well due to multiple credit inquiries against your name.
FAQs About Dena Bank Personal Loan
✅ How to apply for Dena Bank Personal Loan?
You can apply for a personal loan with Dena Bank either by:
- Visiting the nearest branch of Dena Bank with your documents, or
- Through a simple form submission with Dialabank.
Dialabank gives you a convenient and quick online option to apply from anywhere and anytime.
✅ What is the Interest Rate for Dena Bank Personal Loan?
Dena Bank Personal Loan Interest Rate is 8.25% per annum.
✅ What is the minimum age for getting a Personal Loan from Dena Bank?
Your age should be a minimum of 21 years to apply for a personal loan with Dena Bank.
✅ What is the maximum age for getting a Personal Loan from Dena Bank?
The maximum age for getting a personal loan from Dena Bank is 60 years or 65 years at the time of loan maturity.
✅ What is the minimum loan amount for Dena Bank Personal Loan?
The minimum loan amount for Dena Bank Personal Loan is Rs. 50,000.
✅ What is the maximum loan amount for Dena Bank Personal Loan?
Dena Bank lets you borrow a maximum loan amount of Rs. 10 lakhs under their personal loan scheme.
✅ What are the documents required for Dena Bank Personal Loan?
You will require your identity proof (Aadhaar card/Voter ID), PAN card, income proof (salary slips/ITRs), and two recent photographs for a personal loan with Dena Bank.
✅ What is the Processing Fee for Dena Bank Personal Loan?
Dena Bank charges a processing fee of 1% of the loan amount plus GST.
✅ How to get Dena Bank Personal Loan for Self Employed?
Dena Bank has special offers for self-employed borrowers that have been filing their ITRs for the last three years. You can use this personal loan to meet all your needs.
✅ What is the Maximum Loan Tenure for Dena Bank Personal Loan?
The maximum tenure period for a personal loan from Dena Bank is 48 months.
✅ What should be the CIBIL Score for Dena Bank Personal Loan?
You need to have a minimum CIBIL score of 750 or above for availing of a personal loan from Dena Bank.
✅ What relaxation scheme and moratorium Dena Bank provides with a Personal Loan due to Covid 19?
A 6 months moratorium is provided by Dena Bank.
✅ Do I have a pre-approved offer for Dena Bank Personal Loan?
You can check for your Dena Bank preapproved personal loan offers through Dialabank. All you need to do is fill a form. We will check the offers for you and contact you to help choose the best one.
✅ How to calculate EMI for Dena Bank Personal Loan?
You may use the EMI calculator available at Dialabank’s website to calculate your Dena Bank personal loan EMIs.
✅ How to pay Dena Bank Personal Loan EMI?
Your personal loan EMIs from Dena Bank are deducted from your bank account every month. You can also use the net banking and online payment facility of Dena Bank.
✅ How to close Dena Bank Personal Loan?
To close a personal loan from Dena Bank, you will need to pay all the outstanding loan amount along with any charges as applicable. Once that is done, you should collect your payment receipt and no dues certificate for future reference.
✅ How to Check Dena Bank Personal Loan Status?
You will need the visit the Dena Bank branch in person to know the status of your personal loan. You can also simply fill a form by visiting Dialabank and let us do the hard work for you.
✅ How to close Dena Bank Personal Loan Online?
To close a personal loan from Dena Bank online follow these steps:
- Visit the net-banking page of Dena Bank.
- Log in using your credentials.
- Make all the due payments for your personal loan and save the transaction receipt.
- Take a no dues certificate from the bank.
✅ How to pay Dena Bank Personal Loan EMI Online?
Your personal loan EMIs can be paid using the online banking services of Dena Bank. Dialabank helps you compare offers and deals from different banks to choose the best and lowest EMI personal loan available. Fill the form and let us do the work for you.
✅ How to check Personal Loan Balance in Dena Bank?
To check the personal loan balance in Dena Bank, you will have to contact the customer care number of Dena Bank. If you are looking for personal loans with lower interest rates, all you have to do is visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the rest for you.
✅ How to download Dena Bank Personal Loan Statement?
The personal loan statement of Dena Bank can be downloaded using the mobile banking app of Dena Bank. You can also visit Dialabank and fill a simple form to compare all the offers and deals that we have for you.
✅ How to Top Up Personal Loan in Dena Bank?
To get a top-up on your personal loan from Dena Bank, you will be required to contact the loan officer of your Dena Bank branch. You may also simply fill a form with Dialabank at Personal Loan Top Up and leave the hard work to us.
✅ What happens if I don’t pay my Dena Bank Personal Loan EMIs?
Dena Bank may charge you with penal interest on your loan amount if you fail to pay your personal loan EMIs. You can apply for a personal loan balance transfer with Dialabank to get low-interest and easy EMI personal loans.
✅ How to find the Dena Bank Personal Loan account number?
You will need to contact your Dena Bank loan branch to know your personal loan account number. You may also fill out the form available at Dialabank and we will do all the work for you.
✅ What is the Dena Bank Personal Loan closure procedure?
- Just go to the bank with the documents.
- Write a letter for pre-closure of the Dena Bank Personal loan account.
- Pay the pre-closure charges as per Dena Bank Personal Loan.
✅ What are the Dena Bank Personal Loan preclosure charges?
Dena Bank Personal Loan preclosure charges are Nil.
✅ What is the Dena Bank Personal Loan overdraft scheme?
For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Dena bank is provided, it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the Dena online banking portal and from there you can fill out a simple form and get an overdraft under your name.
✅ What is the Dena Bank Personal Loan maximum tenure?
The Dena Personal Loan’s maximum tenure is 48 months.
✅ What is the Dena Bank Personal Loan minimum tenure?
The Dena Bank Personal Loan minimum tenure is 12 months.
✅ What is the Dena Bank Personal Loan customer care number?
You can Avail Dena Bank by calling on 9878981166.
