Schedule of Charges, Rates and Tariffs
For Corporate Banking, click here.
For Personal Banking, details are given below Savings Accounts
Interest Rates:•Domestic/Resident Savings Account - https://www.dbs.com/digibank/in/rates-and-fees.page•
NRE/NRO Savings Account – https://www.dbs.com/in/treasures/nri-banking/nri-accounts/savings-accounts/nrisavings-account-interest-rates
Savings Accounts schedule of charges:•
https://www.dbs.com/digibank/in/schedule-of-charges.page

Term Deposits
Interest Rates:•Domestic/Resident Term Deposit accounts – https://www.dbs.com/digibank/in/rates-and-fees.page•NRO / NRE/ FCNR Term Deposit accounts – https://www.dbs.com/in/treasures/nri-banking/deposits/nri-fixeddeposits/fd-interest-rates

Safe Deposit Locker
Fees and charges•
https://www.dbs.com/digibank/in/deposit/deposit-type/safe-deposit-locker

Gold Loan
Gold Loan category

ROI

Facility amount up
to lakhs

Processing Charges

Agri12.00%

Rs 20 Lakhs

0.20% of the facility amount subject to a max. of ₹1000/- perlimit.

Non- Agri

13.25%

Links to existing webpage
Agri
Non – Agrihttps://www.dbs.com/digibank/in/loans/gold-loan/dbs-gold-loan-agri

Rs 30 Lakhs

0.40% of the facility amount without any cap.

https://www.dbs.com/digibank/in/loans/gold-loan/dbs-gold-loan-nonagri

Home Loan & Loan Against Property
Prime mortgage

ROI ( RBI repo rate + spread) Loan amountHome loan

RBI policy repo rate+(upto 2.90% )Loan Against Property

RBI policy repo rate+ Any loan amount(upto 4.00% )Links to existing webpage
Mortgage Loan – Interest rate

https://www.dbs.com/in/treasures/common/interest-rates.page#PriGriforDBS_10Any loan amount

Processing Charges
Upto Rs 10000/-

Upto 1% as may be mutually agreed in theloan agreement

December 2023

Mortgage Loan- Schedule of https://www.dbs.com/in/iwov-resources/pdf/loans/schedule-of-charges.pdf
charges

Consumer Loan Against Property
Consumer
Loan
Loan Against amount
Property

Rate ofInterest
Processing Fees

Partpayment Penalcharges(GST Interest
Applicable)
Charges

Foreclosure charges for Other Charges/ MSME (not applicableon floating rate loans toindividual borrowers
with end use beingpersonal use)
Minimum- Min -10% 0-2% ofPenal
Up to 24 Months: 5% of Cheque Bounce charges – Rs
10.01 Lakhthe loan Part payment of Interest
Loan outstanding
500 + Taxes
Max- 18% amount + up to 25% of loan Levied in case >24 – 60 Months: 3% ofMaximum
GST
as outstanding
ofnon- Loan outstanding
Cheque / SI / ECS/NACH-100Lakh
applicable allowed
ina payment of >60 months: 2% of loan swapping charges – Rs ₹500
calendaryear the monthly outstanding+ tax
without charges
payment. It is OD: Up to 2% of Limitcharged on Outstanding
Loan Cancellation Charges the overdue₹5,000+ Tax
installment
Repricing Fee :fortheUp to ₹50 Lacs Loan/ Limitdefaulted
Outstanding - ₹5,000 orperiod. - 24%
0.5% whichever is lower +per annum
tax
Greater than ₹50 Lacs Loan/Limit Outstanding - ₹10,000or 0.25% whichever is lower+ tax
Link for Schedule of charges:
https://www.dbs.com/digibank/in/loans/consumerloan-against-property

Affordable Housing Loan
Affordable Housing loans

ROI ( RBI repo rate +spread)

Loan amount

Processing Charges

Home loan

RBI policy repo rate+(upto 9.50% )Any loan amountUpto 3% of sanction amount + applicable
taxesHome extension loan

RBI policy repo rate+ Any loan amount(upto 11.50% )Upto 3% of sanction amount + applicabletaxes

Top up Loan / Loan Against RBI policy repo rate+ Any loan amount
Property(upto 13.50% )Upto 3% of sanction amount + applicable
taxes

Links to existing webpage
AHL – Interest rate
AHL- schedule of charges

https://www.dbs.com/in/wealth-tr/common/interest-rates.page#PriGriforDBS_11
https://www.dbs.com/in/iwov-resources/pdf/ahl/schedule-of-charges-ahl.pdfPersonal Loan

December 2023

Personal Loan Loan amount
Scheme - CoreUL
Minimum- 100

Rate
Interestof Processing
FeesPart payment charges Penal
Foreclosure charges(GST Applicable)
Interest /Charges
Min -9.99% 0-3% of the
0-2% perPreForeclosureloan amountmonth onLoan
Loan
payment theCharges
Maximum- Max- 28%+ GST asTenureTenureCharges
15Lacsapplicable
overdue
1-12 0-4.50%
1-120-4.50%
instalment
monthsmonths+ + GST as
130-4.50%
applicable
13-24
0-4.50%24
monthsmonths25-36
0-2.50%250-2.50%
months36>360-2.00%
monthsmonths>360-2.00%months
URLforScheduleofcharges:
https://www.dbs.com/digibank/in/app/schedule-of-charges-forpersonal-loans.page

Credit Cards

Credit Cards
Entrance Fees

Annual Fees

Vantage
Customer Segment

Spark
Card Segment

Joining Fees

DBS Treasures Elite
customers
DBS
Treasurescustomers

Rs.
10,000Rs.
20,000Spark5

Rs. 499

Spark10

Rs. 999Anysegment/NTB
customerRs.
50,000Spark20

Rs. 1499

other

Customer Segment

AnnualFees

Customer
Segment

Annual Fees

DBS Treasures Elite
customers

Rs.
10,000Spark5

Rs. 499

DBSTreasurescustomersAnyother
segment/NTB
customerRs.
20,000Rs.
50,000Spark10

Rs. 999

Spark20

Rs. 1499

Co-Brand Credit Card
Card Segment

JoiningFees

Bajaj Finserv DBS 5X
Rewards SuperCard
Bajaj Finserv DBS 5X
Plus
Rewards
SuperCard
Bajaj Finserv DBS 7X
Rewards SuperCard

0/499

Bajaj Finserv DBS 7X
Plus
Rewards
SuperCard
Bajaj Finserv DBS 10X
Signature SuperCard
Bajaj Finserv DBS 10X
Plus
Signature
SuperCard
Bajaj Finserv DBS 5X
Rewards SuperCard

1999

Bajaj Finserv DBS 5X
Plus
Rewards
SuperCard
Bajaj Finserv DBS 7X
Rewards SuperCard
Bajaj Finserv DBS 7X
Plus
Rewards
SuperCard
Bajaj Finserv DBS 10X
Signature SuperCard

999

December 2023

0/999

1499

0/29990/49994991499
1999

2999

Add on Card
NANA
Service charges on outstanding balance as below
Overdue interest
chargesOverlimit
penalty
Late
Paymentcharges

Cash withdrawal
feesHot
listingcharges
Other Charges

NANA

Bajaj Finserv DBS 10X
Plus
Signature
SuperCard
NA4999NAMonthly rate upto 4 % & annual rate upto 48%; applicable from thetransaction date
Flat Fee of Rs. 600
AmountDueà
UptoRs.100
à
Upto
Rs.500&MorethanRs.100
Upto
Rs.5000&
MorethanRs.500
More than Rs.5000 à 10% of Amount due (max. Rs.1299)
Flat fee: 2.5% of cash amount (Min. Rs. 500)

NANA

Please refer to KFS for otherchanges
https://www.dbs.com/in/creditcards/vantage/terms-andconditions.html

NANA

Please refer to KFS for otherchanges
https://www.dbs.com/in/creditcards/spark/terms-andconditions.html

ààNACharge
NIL
Rs.99
Rs.499NA

Please refer to KFS for otherchanges
https://www.dbs.com/in/creditcards/supercard/terms-andconditions.html

December 2023