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Dena Bank India - Bangalore Home Loan, Personal Loan

Dena Bank, in July 1969 along with 13 other major banks was nationalized and is now a Public Sector Bank constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970. Under the provisions of the Banking Regulations Act 1949, in addition to the business of banking, the Bank can undertake other business as specified in Section 6 of the Banking Regulations Act, 1949.
Loan Details

Dena Bank offers Home loan, Education loan, Personal Loan

Personal Loan:
Dena Suvidha is the ideal way to fulfill personal needs of your family. Be it to finance a marriage or family function. To travel or celebrates a festival. For medical treatment or educational purposes. Or simply a vacation. Even an unforeseen event. Dena Suvidha (Personal) Loan is always there for all your needs.

You are eligible if

•You are a permanent employee between 24 to 55 years having worked for at least 2 years in a Govt. or PSU/ reputed organization.
•You have a gross monthly income of at least Rs. 15,000/-. Income of any other earning member ( co-applicants) can be clubbed for enhanced eligibility.
•You can have a salary disbursement arrangement with us or provide an

undertaking form your employer.

Loan Amount
•Minimum- Rs. 15,000/-
•Upto- Rs. 1 lakh or 9 times the net monthly income whichever is less.

Home Loan:
You can avail of Dena Niwas Home Loan to purchase a plot, construct a house, buy a ready built house or buy one under construction. The loan even helps you build an extension to your existing house or purchase a house that is up to 50 years old provided the remaining life of the house is more than 25 years. Besides you can take this loan for repairs and upgradation, which includes the cost of fixtures, POP works, retiling, fittings etc.

It even gives you the option to shift an existing home loan with any other Bank or Financial Institution.

You are eligible if

1.You are a major individual, resident or non-resident, having a regular source of income.
2.Your age on the maturity of the loan is less than retirement age if you are a salaried employee & below 65 years, if you have a business.
3.The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan.

Spouses/Co-applicants income can be clubbed for enhanced eligibility.

Loan Amount

Up to Rs.200 lakhs for the purchase/construction of a house. Up to Rs.10 lakhs for renovation/upgradation.


1) Loans less than Rs.20 lakhs - 10% of cost of the house property (excluding stamp duty, registration charges, etc). 2) Rs.20 lakhs & above - 20% of cost of the house property (excluding stampduty, registration charges, etc)

Rate of Interest

Please Check out the Interest Rates Section to find latest Interest
Rates applicable.
Interest Charged on Daily Reducing Balance
No Prepayment Charges
Loan Limit of Rs 200 Lacs.
Purchase of House upto 50 years old allowed
Floating Rate Linked to Base Rate

Education Loan:
Ensure a bright future for your children. Provide them with the best of higher education in India or abroad. Avail Dena Vidya Laxmi Educational Loan.

You are eligible if

·You are an Indian national and have secured admission to a professional or technical course in an Indian or Foreign university.
·Simply walk in with the marksheet of the qualifying exam. and proof of admission.

Course Eligibility

Study in India

Graduation courses, Post-Graduation courses, Masters & PhD, Professional courses.

Study Abroad

Graduation - For job oriented professional / technical courses offered by reputed universities
Post Graduation - MCA, MBA, MS etc.
Courses conducted by CIMA-London, CPA in USA etc.

Loan Amount

·Upto Rs.10 lakhs for studies in India.
·Upto- Rs. 20 lakhs for studies abroad.

Loan takes care of

· Fee payable to colleges/ schools/ hostels
· Examination/ Library/ Laboratory fees.
· Purchase of books, equipment, instruments and uniforms.
· Passage fare for travel abroad.
· Purchase of computers needed to complete the course.
· Any other expense to complete the course like study tours, project work, thesis etc.


•Upto Rs. 4 lakhs- NIL for study in India and abroad.
•Above Rs. 4 lakhs- 5% for study in India and 15% for study abroad.

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