25 Lakh DCB Bank Home Loan

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The 25 lakh DCB Bank home loan offers a viable solution for those struggling to purchase their dream home. With interest rates starting as low as 9.75% per annum and loan tenures available for up to 20 years, this loan is perfect for individuals who want to buy a residential property or under-construction plots. Eligible applicants with strong credit scores can secure up to 90% of their desired property’s value and enjoy features like low processing costs. Explore this guide to learn about the loan’s eligibility criteria, required documents, and the EMI structures for different tenures.

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Table of Content

1. 25 Lakh Home Loan DCB Bank Highlights

2. 25 Lakh Home Loan EMI for 5 Years DCB Bank

3. 25 Lakh Home Loan EMI for 10 Years DCB Bank

4. 25 Lakh Home Loan EMI for 15 Years DCB Bank

5. 25 Lakh Home Loan EMI for 20 Years DCB Bank

6. 25 Lakh DCB Bank Home Loan Fees and Charges

7. 25 Lakh DCB Bank Home Loan Documents Required

8. 25 Lakh DCB Bank Home Loan Eligibility Criteria

Written By

Bhavya Kamra

With a background in commerce and a strong affinity for numbers, Bhavya is dedicated to delivering accurate financial insights in her blog. She avidly reads finance magazines and articles to stay updated on the latest market trends. Currently crafting content for Urban Money, Bhavya aims to offer practical financial tips and simplify complex subjects into easy-to-understand steps.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

25 Lakh Home Loan DCB Bank – Highlights

Here are some of the best features of the 25 Lakh Home Loan from DCB Bank, which makes it a much better financial option than others:

Aspect	Key Features
Loan Amount Range	Available from INR 10 lakh to INR 5 crore.
Interest Rate	Starts at 9.75% per annum, with a maximum of 14.50%.
Repayment Period	Offers a maximum tenure of 20 years.
Loan-to-Value (LTV)	Finances up to 90% of the property’s purchase value.
Eligible Age	Applicants must be between 21 and 70 years old.
Processing Charges	Up to 2% of the approved loan amount.

25 Lakh Home Loan EMI for 5 Years DCB Bank

If you aim to repay your 25 Lakh Home Loan from DCB Bank in 5 years, here are the estimated EMI amounts and the total interest payable over the term.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 25 lakhs	9.75%	5 years	₹53,583	₹6,15,393	₹31,15,393

25 Lakh Home Loan EMI for 10 Years DCB Bank

Here are the overall EMI estimates and interest payable for a 25 Lakh Home Loan from DCB Bank with a loan tenure of 10 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 25 lakhs	9.75%	10 years	₹35,624	₹11,16,275	₹36,16,275

25 Lakh Home Loan EMI for 15 Years DCB Bank

For a loan tenure of 15 years, here is the total EMI costs and interest payable on a 25 Lakh Home Loan from DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 25 lakhs	9.75%	15 years	₹25,552	₹14,97,161	₹39,97,161

25 Lakh Home Loan EMI for 20 Years DCB Bank

At a 9.75% interest rate, discover the EMI calculations and interest amount for a 25 Lakh Home Loan from DCB Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 25 lakhs	9.75%	20 years	₹21,647	₹20,39,329	₹45,39,329

25 Lakh DCB Bank Home Loan – Fees and Charges

Some of the fees and charges applicable on a 25 Lakh Home Loan from DCB Bank are as follows:

Fee Type	Details
Prepayment Charge for Fixed Interest Rates	4%
Prepayment Charge for Floating Interest Rates	NIL
No Dues Certificate	INR 250
Processing Fee	2% of the loan amount or INR 5000
Stamp Duty	As per the state laws
Statement of Account and Amortisation Schedule	INR 250 each
Valuation and Legal Charges	NIL

25 Lakh DCB Bank Home Loan – Documents Required

Some of the documents that you might need to submit while applying for a 25 Lakh Home Loan from DCB Bank are:

Document Type	Details (If Any)
PAN Card
Proof of Identity	Aadhar, Passport, Voter ID, NREGA Card
Proof of Address	Driving License, Aadhar, Voter ID
Proof of Age	Birth Certificate, Government ID Card, School Leaving Certificate
Bank Statement
Proof of Income	Salary slips and ITRs
Proof of Turnover	Last 2 GST Returns
Proof of Employment	Statutory license
Document Showcasing Existing Obligations
Processing Fee Cheque
Copy of Property-Related Documents
Previous Chain of Agreements

25 Lakh DCB Bank Home Loan – Eligibility Criteria

The eligibility criteria for a 25 Lakh Home Loan from the DCB Bank is as follows:

Criteria	Details
Age Criteria	Minimum Age: 21 years Maximum Age: Salaried: Retirement age + 5 years Non-salaried: Up to 65 years
		Credit Score	Must be above 700
		Employment Status	Salaried Self-employed Professional Self-employed Non-Professional

Frequently Asked Questions (FAQ)

What is the EMI for a 25 lakh home loan for 20 years in DCB Bank?

Over a tenure of 20 years, th EMI for a 25 year home loan from DCB Bank stands at .₹21,647.

Who is eligible for a 25 lakh home loan in DCB Bank?

Indian residents aged between 21 and 65, whether salaried, self-employed, or non-professional, are eligible to apply for the 75 Lakh Home Loan from DCB Bank, given that there credit score is more than 700.

What is the monthly interest rate of a 25 lakh home loan in DCB Bank?

For a 25 lakh home loan from DCB Bank, the interest rate can vary from 9.75% to 14.50%, based on the applicant's credit score.

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