डीबीएस बैंक इंडिया डिजीबैंक पर्सनल लोन
100% digital personal loan via digibank by DBS app up to ₹15 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
DBS Bank India's 100% digital, paperless personal loan offered via the digibank by DBS app, disbursing funds directly in under 15 minutes.
प्रमुख लाभ एवं विशेषताएं
• Disbursal in under 15 minutes directly into digibank savings account • Completely paperless application process with Video KYC • Repayment tenure up to 5 years (60 months) • 100% digital sanction letter generated within minutes.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Salaried corporate employees with verified digital KYC. Min Age: 21, Max Age: 58. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 12 months with 3% fee; NIL after 24 months.
📂आवश्यक दस्तावेज (Required Documents)
• Completely paperless (e-KYC and digital bank statements via Account Aggregator).
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Mandatory 12-month lock-in on prepayment and foreclosure. • 3% foreclosure fee applies post-lock-in before 24 months. • Minimum net monthly income requirement of ₹25,000.
🚀आवेदन के चरण (How to Apply)
1. Open digibank app > Loans > Personal Loan. Select amount and e-sign via OTP. Disbursed instantly.
1. Visit dbs.com/in > digibank > Personal Loan. Submit mobile number, PAN, and complete Video KYC.
Not applicable — STP digital product.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
How quickly is DBS Digibank Personal Loan disbursed?
Within 15 minutes directly into your digibank savings account upon successful video KYC.
Do I need physical document submission?
No, the entire process is 100% paperless.
What is the maximum tenure?
Up to 60 months (5 years).