SME Loans By DCB Bank



Your property can now fund your business expansion

DCB Business Loan helps to unlock the hidden value of your property. Through our business loans, we take care of your financial needs, while you concentrate on your business plans. 

Our business loans cater to all your monetary requirements, whether it is business expansion, or working capital deficit or personal requirements like marriage, education, travel, medical exigency or renovation of your property.


Features For SME Loans By DCB Bank

Maximum loan amount - Our customised programs evaluate your loan requirements to work out the maximum loan amount based on your income statements and cash flows.

High LTV proposition – Avail loans of up to 100% of your property value to allow maximum funding for your requirements

Lease Rental Discounting - Let your monthly rentals become a source of funds which you can use for other business requirements.

Balance transfer facility – Avail best deals to take over your existing loans and additional funds for your requirements.

Attractive insurance plan – We offer attractive insurance plans at reasonable premium to cover your loan amount in the event of death or critical illness.

Wide network – A dedicated network of more than 145 branches in 94 cities across India to cater to your loan requirements.


Documentation Requaired For SME Loans By DCB Bank


  • Application form with self-attested photograph
  • Age proof (PAN card / Passport / Mark sheet with date of birth / Birth certificate)
  • Proof of residence (Passport / Driving Licence /  Aadhar card  / Voter’s ID card)
  • Proof of identity (Voter's ID card / Passport / Employer's card / Aadhar card)
  • 3 month’s salary slip
  • Form 16
  • 6 month’s bank statement
  • Copy of title documents
  • Processing fee cheque


  • Application form with self-attested photograph
  • Age Proof (PAN card / Passport / Mark sheet with date of birth / Birth certificate)
  • Proof of residence (Passport / Driving Licence /  Aadhar card  / Voter’s ID card)
  • Proof of identity (Voter's ID card / Passport / Employer's card / Aadhar card)
  • Proof of business existence and years in business
  • 2 years of income tax returns along with financial statements
  • Bank statements - individual and business of the last 6 months
  • Copy of title documents
  • Processing fee cheque


Frequently asked questions

Can I repay my loan earlier than the due date?

You can repay your loan at any time during the loan tenure. However prepayment is not permitted within first 12 months from loan disbursal date. We also offer flexible part prepayment options, for details pls. refer to schedule of charges.


Can I take a business loan where DCB bank branch is not there?

We only offer Business loans in cities where either we have a branch or presence of retail asset center.


Are there any additional charges, apart from what is mentioned in the schedule of charges, which I need to pay?

Yes, these additional charges would be in the form of stamp duty/Intimation of Mortgage and is to be paid to the government on LOR basis the stamp duty grid of your respective state.


How soon can I get my property papers back post foreclosing of loan?

Your original property documents would be returned in 15 days from the date of closure of loan on system.


Can I change my floating rate loan to fixed rate, will the bank charge me for switching?

Yes, you can change from floating to fixed rate. However, fixed rate is offered for limited period of loan tenure.


I’m a NRI, would I be entitled for a Business loan from DCB bank.

Yes, you can avail business loan where end use of the loan is towards personal needs subject to resident Indian standing as one of the co-applicant along-with power of attorney.


How would I get statements, repayment schedule, interest certificates & List of Documents?

You may place request for statement of account or repayment schedule or interest certificate in either of the following ways:

  • By calling our Customer Care Toll Free at 1800 209 5363
  • By using your registered email id to write to us at
  • In person at any DCB Bank Loan Centre or branches

Can I get a business loan on my industrial property or vacant commercial property?

No, we don’t accept industrial & Vacant commercial property as acceptable collateral under Business loans.


I am running a loan with DCB Bank. can I get a top up?

Yes, we provide top up loans to all our existing customers basis analyzing repayment behavior and meeting minimum vintage norms with us.



DCB Bank is a modern emerging new generation private sector bank with 154 branches across 17 states and 2 union territories. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed. DCB Bank has contemporary technology and infrastructure including state of the art internet banking for personal as well as business banking customers.

DCB Bank’s business segments are Retail, micro-SME, SME, mid-Corporate, Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-operative Banks and Non Banking Finance Companies (NBFC). DCB Bank has approximately 450,000 customers.

DCB Bank’s network of 154 plus state-of-the-art, customer friendly branches are across the states of Andhra Pradesh, Chhattisgarh, Delhi/ NCR, Goa, Gujarat, Haryana, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, West Bengal and Union Territories of Daman & Diu and Dadra & Nagar Haveli.

DCB Bank has deep roots in India since its inception in 1930s. Its promoter and promoter group the Aga Khan Fund for Economic Development (AKFED) & Platinum Jubilee Investments Ltd. holds over 16.41% stake. AKFED is an international development enterprise. It is dedicated to promoting entrepreneurship and building economically sound companies.


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