Dena Bank Personal Loan - Fees and Charges

Dena Bank Personal Loan Interest Rates

The Dena Suvidha is an affordable personal loans which helps you take care of any personal needs. It could be to family function, wedding, to take a vacation, for festive celebrations, medical treatments or even to help out following an unforeseen event. Interest rate charged on a daily reducing balance basis. All new personal loans will be provided under the MCLR linked interest rate system while existing loans will continue under the Base rate linked interest rate.

Dena Bank MCLR (For new borrowers)

Earlier this year, the Reserve Bank of India introduced the MCLR based interest rate system, which will be applicable on all new retail loans sanctioned by banks. MCLR (Marginal Cost of Funds based Lending Rate) is dependent on a variety of factors like tenure, repo rate, cost of funds, cost of maintaining cash reserve ratio (CRR), etc. MCLR rates are subject to change without prior notice. Following are the current MCLR benchmark rates valid until the date of the next review.


MCLR (Percentage)

Overnight MCLR


1 month MCLR


3 month MCLR


6 month MCLR


1 year MCLR


Dena Bank Personal Loan Interest Rates (MCLR)

For new personal loans, interest rate will be calculated on the MCLR based system. Following is the MCLR based interest rate applicable on Dena Bank personal loan.


MCLR Interest Rate

Dena Suvidha (associated with Corporate Salary scheme)

1 year MCLR + 3.40% = 13.00%

Other cases

1 year MCLR + 4.90% = 14.50%

Loan Types

Personal Loan

Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.

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Home Loan

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.

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Loan Against Property

A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

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Business Loan

Running a business is not easy. You have to constantly think of ways and means to keep it going and growing. As a part of the growth plan, you require financing for expanding operations or to buy new equipment or inventory or simply increase the working capital. To help you with your financing needs we offer Business Loans that will help your business grow.

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A loan against property (LAP) is a good alternative if you need capital. Your property...


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