Flexible Credit for Your Personal Needs
Avail an overdraft facility of up to Rs. 2,00,000, with a maximum limit of 20 times your net take-home salary. Enjoy a competitive interest rate of @11.30%* p.a. for 12 months, subject to annual review renewal. Minimal documentation required, including salary slips, bank statements, and necessary ID proofs.
Apply For LoanSalary OD Calcluator
Loan Amount
Tenure (months)
Interest Rate
Monthly EMI
₹0.00Interest Payable
₹0.00Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement.
Features & Benefits
Loan Limit
Avail an overdraft facility of up to Rs. 2 Lakhs, based on 20 times your net take-home salary.
Repayment Period
For tenure of 12 months, subject to annual review renewal
Affordable Interest
Enjoy a competitive interest rate of @11.30%* p.a.
Eligibility Criteria
- Applicant must have salary account with DNS Bank
- Applicant Type: Must be a salaried individual with a stable income from a reputed company or organization.
- Loan Limit: Maximum loan amount is Rs. 2 Lakh or 20 times your net take-home salary, whichever is less.
- Income Proof: Recent salary slips (last 3 months) and Form No. 16 or ITR for the last 3 years.
- Bank Statement: Last 1-year bank statement showing salary credits.
- Guarantors: Two guarantors acceptable to the bank.
- Security: A recurring deposit for 36 months of Rs. 1,000 or assignment of LIC policy required.
Documents Needed
- PAN Card and Aadhaar Card for identity and address proof.
- Salary Slips for the last 3 months.
- Form No. 16 or ITR for the last 3 years.
- Bank Statement for the last 1 year showing salary credits.
- If applicable, Loan Account Statement and Sanction Letter from any other bank if the applicant has other loans.
- Photographs of the applicant and guarantors (if applicable)
Frequently Asked Questions
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For assistance, contact us
on 1800-233-1700 / 8655785534
Write to Us
Got a query or grievance? Write to us enquiry@dns.bank.in
