In India, DCB Bank Limited is publicly listed on the National Stock Exchange and the Bombay Stock Exchange. Some of the business segments of the bank include Non-Banking Finance Companies (NBFCs), Co-Operative Banks, Indian Banks, Public Sector, Commodities, Agriculture, mid-Corporate, SME, micro-SME, and Retail.
Some of the states where branches of the bank are located are West Bengal, Uttarakhand, Uttar Pradesh, Telangana, Tamil Nadu, Rajasthan, Punjab, Maharashtra, Kerala, Karnataka, Gujarat, Goa, Delhi, and Andhra Pradesh. Savings accounts, current accounts, Fixed Deposits (FDs), and loans are some of the popular products offered by DCB Bank.
The net banking and mobile banking facilities offered by the bank makes allow you to access account details easily. DCB Bank also provides the facility to open certain products online and the process is simple.
Products Offered by DCB Bank
Some of the products that are offered by DCB Bank are mentioned below:
Accounts
DCB Bank offers several deposit accounts and some of them are listed below:
- Savings Account: Several savings accounts are offered by the bank with different features and benefits. Depending on the type of account, DCB Bank may allow you to choose the account number.
- Current Account: Different types of current accounts are offered by DCB Bank with several features. You can visit the official website of the bank and provide the necessary details so that a bank representative can contact you to help in opening an account.
Deposits
Some of the deposit accounts that are offered by the bank are given below:
- DCB Fixed Deposit: DCB Bank offers the FD account at an attractive interest rate. The tenure of the account ranges between 7 days and 10 years.
- DCB Tax Saver Fixed Deposit: The Tax Saver Fixed Deposit account offered by the bank comes with a tenure of five years. The maximum deposit that can be made in a financial year is Rs.1.50 lakh.
- DCB Zippi Online Fixed Deposit: Individuals who do have any other account with the bank can open the Zippi Online Fixed Deposit. The deposit can be opened online and basic documents will need to be provided.
- DCB Health Plus Fixed Deposit: Under the scheme, medical benefits are provided along with attractive returns. Only resident Indians can open the account.
- DCB NRE Term Deposit: The tenure of the scheme ranges between 1 year and 10 years. Loans can be availed against the amount that is available in the account. The bank provides the option to open an account online as well.
- DCB FCNR (B) Deposits: The tenure of the scheme ranges from 1 year to 5 years. You can open an account online and the procedure is easy.
Cards
DCB Bank offers different types of cards with several benefits. Given below are the different cards that are offered by the bank:
- DCB RuPay Platinum Debit Card: The RuPay Platinum Debit Card offered by the bank comes with a host of benefits. Airport lounge access will also be provided.
- DCB Niyo Global Card: The card is provided in case you open a Niyo Current Account with the bank. The card can be used anywhere in the world.
Loans
Several loans are offered by the bank to suit your requirements. The different types of loans that are offered by DCB Bank are given below:
- Agriculture Loans: Various types of agriculture loans are offered by the bank. Each loan comes with different features and benefits. You can visit the nearest bank branch and submit the necessary documents to apply for the loan.
- DCB Business Loan: A loan is provided on your property and the loan amount can be used for various purposes such as property renovation, travel, education, and marriage. You can apply for the loan online and the process is simple.
- DCB Gold Loan: Under the scheme, you can avail a loan of up to Rs.20 lakh. The repayment tenure of the loan ranges from one year to five years.
- DCB Commercial Vehicle Loan: Loans can be availed for the purchase of school buses, passenger buses, small commercial vehicles, light commercial vehicles, medium commercial vehicles, and heavy commercial vehicles. DCB Bank provides the option to apply for the loan online.
- DCB Home Loan: Under the scheme, loans are provided to buy a house, buying land and constructing a house on it, and self-construction. Up to 90% of the property’s market value may be provided as a loan.
- DCB Car Loan: Up to 90% of the car’s value may be provided as a loan. The repayment tenure of the loan is up to seven years.
Banking Services
Listed below are some of the banking services that are offered by DCB Bank:
- Mobile Banking: You can download the bank’s mobile app on your smartphone. Various banking details can be accessed easily with the help of mobile banking.
- Net Banking: You can access the net banking facility provided by DCB Bank to view the account details. Certain products can be opened via net banking as well.
- Customer Care: You can contact the bank’s customer care in case of any queries.
FAQs on DCB Bank
- What is the minimum amount that will be provided under the gold loan scheme?
The minimum amount that DCB Bank provides under the gold loan scheme is Rs.10,000.
- What documents will I need to provide to avail a gold loan from DCB Bank?
You will need to provide the application form (with photograph), proof of identity, and proof of address to avail a gold loan from DCB Bank.
- In case I wish to avail a car loan from DCB Bank, what is the maximum loan that will be provided?
You can avail up to Rs.30 lakh as a car loan from DCB Bank.
- Under the FD scheme, does DCB Bank offer an additional interest rate for senior citizens?
Yes, DCB Bank offers an additional interest rate of 0.50% under the DCB Fixed Deposit scheme.
- What is the minimum deposit that must be made under the DCB Fixed Deposit scheme?
Rs.10,000 is the minimum deposit that must be made under the DCB Fixed Deposit scheme.
- Does DCB Bank offer an NRO Tax Saver Deposit scheme?
Yes, DCB Bank offers an NRO Tax Saver Deposit scheme. The scheme comes with a tenure of five years.
- Is it possible to track the loan application status on the official website of DCB Bank?
Yes, you can visit DCB Bank’s official website to track the loan application status.
- What is the minimum deposit that must be made under the DCB Tax Saver Fixed Deposit scheme?
Rs.10,000 is the minimum deposit that must be made under the DCB Tax Saver Fixed Deposit scheme.