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Development Credit Bank Ltd. is a private sector scheduled commercial bank in India. Founded in 1930, it has a network of 205 branches and 442 ATMs in the country. It offers products to individuals, small and medium businesses, rural banking and mid corporates across its branch network. This new generation bank is professionally managed and government. It is equipped with contemporary technology and infrastructure including state of the art internet banking for personal as well as business banking customers.
About Development Credit Bank
The business segments of the Bank are – Retail, micro-SME, SME, mid-Corporate, Agriculture, Commodities, Government, Public Sector, Indian Banks, Co-Operative Banks, and Non-Banking Finance Companies. DCB takes pride in the satisfaction of its approximately 450,000 customers.
The Bank has its presence in 18 States and 2 Union Territories. Development Credit Bank services have also been focusing on expanding in tier 3 to tier 6 towns in various cities. DCB Bank’s products and services also include loans for individual needs, such as home loan, loan against gold, warehouse finance, loan against warehouse receipt, dairy and farm loan, loans for microfinance organizations amongst others. DCB Bank Savings Accounts provide attractive value such as cash back option and personalized account number. Moreover, DCB PayLess secured credit card is a credit builder card. Development Credit Bank financial services online also plays a proactive role in the online and digital banking space, by extending various facilities for the modern banker, such as Go-Instant mobile banking, SMS banking, telephone banking, Visa money transfer, foreign exchange remittance service, besides others. One can also enjoy banking services for NRIs. The promoter and promoter group for the Bank, Aga Khan Fund for Economic Development & Platinum Jubilee Investments Ltd. (AKFED) holds over 16.41% of stake. Thus, this Bank has been firmly rooted in India ever since its inception.
Vision and Mission
The vision of the Bank is to be the most innovative and responsive neighbourhood bank in India serving entrepreneurs, individuals and businesses. The Bank believes in treating everyone with dignity, and following an ethical code of conduct. It is fair and transparent in all its dealings, and functions with a sense of dynamism and passion. Development Credit Bank financial services aspire to stretch itself to the extra mile, and strive continually for excellence. Teamwork is the key value of the Bank. It also believes in contributing to the society with all its due support.
Development Credit Bank Loans:
Development Credit Bank Home Loan: One can avail of Home Loan from Development Credit Bank for the purchase of a new house, self-construction or the purchase of land and construction of a house. The borrower can get loans up to 90% of the market value of the property. The loan amount ranges from Rs. 10 lakhs to Rs. 5 crores. DCB Home Loans are available at fixed as well as floating rates that suit the borrower’s budget and requirement. The dedicated relationship managers of the Bank will understand the specific needs and lend assistance at every stage of the loan disbursal process. According to Development Credit Bank finance, it offers customized programs to evaluate the loan requirements of a particular customer based on his/her income statements and cash flows. The borrower can also enjoy other benefits such as, easy and fast loan approvals, balance transfer facility, attractive insurance plan, and a wide network.
Development Credit Bank Business Loan: This loan helps the customer to explore the hidden value of his/her property. The Bank will take care of all monetary requirements, be it business expansion, or working capital deficit or personal requirements like marriage, education, travel, medical exigency or property renovation. With this Development Credit Bank loan scheme, one can avail loans of up to 100% of the property value to allow maximum funding for his/her requirements. Besides high LTV proposition, the borrower is also promised other Development Credit Bank loan advantage, including, lease rental discounting, balance transfer facility, attractive insurance plan and a wide network.