Dena Bank Home Loan Interest Rates – Eligiiblity, Apply

Dena Bank Home loans ✔ Instant Quotes ✔ Lowest EMI of Rs.855 ✔ Documents ✔ Eligibility for Dena Bank Housing Loan.

Dena Bank Home Loan Details

Interest Rates 9.70% – 9.90%
Processing Fees 0.50% of loan amount
Loan Tenure 25 Years Maximum
Minimum Salary Rs. 1.5 Lakh annual
Maximum loan amount Rs. 20 crore
Prepayment Charges Nil / Zero

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Current Home Loan Interest Rates on Dena Bank: Last Updated as on 01 January 2016

Up to Rs.75 Lacs : 9.70% (Floating Rates)
>Rs. 75 Lacs : 9.90% (Floating Rates)

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.

Benefits of Dena Bank Home Loan Scheme-

  • Interest Charged on Daily Reducing Balance method.
  • No Prepayment Charges
  • Loan Limit of 200 lacs
  • loan available for 50 years old homes
  • Upto 20 years-for the purchase of a new flat/house/construction/extension.
  • Upto 10 years- for repairs, renovation and upgradation.
  • 0.50% of sanctioned limit.


  • Upto 25 years-for the purchase of a new flat/house/construction/extension.
  • Upto 10 years- for repairs, renovation and upgradation.


Simple equitable mortgage of the house/flat/apartment on which the loan is availed.

Processing Fees: 0.50% of sanctioned limit.

Pre Approved Housing Projects by Dena Bank

Housing Project State Wise
State Projects
ANDHRA PRADESH 11 Chittoor, East Godavari, Guntakal, Guntur, Kakinada, Ongole, VISHAKAPATNAM, VIZIANAGARAM
CHHATTISGARH 32 Baloda Bazaar, Dhamtari, Durg, Raigarh, Raipur
DADRA AND NAGAR HAVELI 1 Dadra & Nagar Haveli
GOA 2 Bainguinim, Bordem
GUJARAT 167 Ahmedabad, Anand, Bharuch, Gandhinagar, Himmatnagar, Kheda, Surat, Vadodara
HARYANA 13 Gurgaon, Kurukshetra, Panchkula, Sirsa, Sonipat
KARNATAKA 10 Bangalore
MAHARASHTRA 120 Kolhapur, Mumbai, Nashik, Palghar, Pune, Raigad, Ratnagiri, Solapur, Thane
PUNJAB 20 Mohali
TAMILNADU 2 Chennai, Coimbatore
TELANGANA 21 Hyderabad, Karimnagar


Trends of last 5 Years Dena Bank Home loans vs RBI Repo rate

Date Change by RBI New Repo Rate Date of Change New Base Rate
Rate Cut
29 Sep 2015 .50% (-) 6.75% 05 Oct 2015 9.70%
8 June 2015 10.00%
4-Mar-15 0.25% - 7.50%
15-Jan-15 0.25% - 7.75%
28-Jan-14 0.25% + 8.00%
29-Oct-13 0.25% + 7.75%
20-Sep-13 0.25% + 7.50%
3-May-13 0.25% - 7.25%
19-Mar-13 0.25% - 7.50%
29-Jan-13 0.25% - 7.75% 9-Feb-13 10.25%
17-Apr-12 0.50% - 8.00% 21-May-12 10.45%
25-Oct-11 0.25% + 8.50% 4-Aug-11 10.70%
16-Sep-11 0.25% + 8.25%
26-Jul-11 1.25% + 8.00% 2-Jul-11 10.20%
25-Jan-11 - 6.50% 6-May-11 9.95%

Other Available products of Dena Bank are -

Get More details about Dena Bank and its products available in India.
Source: Dena Bank Website

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