DCB Bank Home Loan
Interest rates from 8.75% p.a. (up to 14.5%) · EMI from ₹39,335/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About DCB Bank home loans
Private lender with a wide band reflecting self-employed and informal-income borrowers.
DCB home loan EMI table (8.75% p.a.)
Monthly EMI at DCB's minimum rate. Tap any amount for the full breakdown.
How much interest will a DCB loan cost?
A ₹50 lakh DCB home loan at 8.75% over 20 years means about ₹56.05 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare DCB with other lenders →
DCB home loan by city
Compare DCB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| DCB (this page) | 8.75% | ₹44,186 |
| Federal | 8.75% | ₹44,186 |
| J&K Bank | 8.75% | ₹44,186 |
| Karnataka Bank | 8.75% | ₹44,186 |
| Aditya Birla HF | 8.75% | ₹44,186 |
| IIFL Home | 8.75% | ₹44,186 |
| Sammaan Capital | 8.75% | ₹44,186 |
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Frequently Asked Questions
What is the DCB Bank home loan interest rate in 2026?
DCB Bank offers home loans starting at 8.75% p.a., going up to 14.5% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh DCB home loan?
At 8.75% p.a., a ₹50 lakh DCB home loan has an EMI of about ₹44,186 for 20 years — roughly ₹39,335 for 30 years and ₹49,972 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a DCB home loan?
DCB Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a DCB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a DCB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with DCB Bank before applying. NestSaver is an information and planning service, not a lender.