DBS digibank India review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
DBS digibank India acts as a direct lender that pairs personal borrowing with savings account access and debit card use. It suits Indian citizens in salaried or self-employed work who want personal or debt consolidation borrowing for plans such as home improvement.
Key facts
Loans
- APR
- 10.99% to 30%↗
- Loan amount
- up to ₹1,500,000↗
- Term
- 12 to 60 months↗
- Arrangement fee
- Up to 3.00% of the loan amount + GST (processing fee, non-refundable, deducted before disbursal)↗
- Credit check
- Hard↗
- Funding time
- Same day as application, credited to the DBS Savings Account↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Indian citizen, age 21 to 60 years, salaried or self-employed, minimum monthly income INR 25,000↗
- Origination fee (%)
- 3%↗
- Loan types
- Personal, Debt-consolidation↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
Savings
Apps and profiles
- Get the app
- App Store
Pros
Pros
- Covers personal loans for general use and debt consolidation needs.
- Includes a debit card and easy access savings account alongside lending.
- Supports borrowers planning home improvement projects through personal lending.
Who it suits
- Indian citizens seeking personal borrowing
- Salaried or self-employed workers planning home improvement
How DBS digibank India compares
Frequently asked questions
What does DBS digibank India provide?+
DBS digibank India provides personal lending alongside an easy access savings account and a debit card. Support runs through a help centre. Funding is credited to the savings account on the day of application.
Who can apply for lending?+
Applications are open to Indian citizens who are salaried or self-employed. Applicants face a hard credit check and need a good credit standing. Eligibility centres on citizenship, work status and credit history.
Which borrowing needs does it cover?+
It covers personal loans for general use and for debt consolidation. Home improvement stands as a use case for this borrowing. The lender works direct, so applications stay with one provider throughout.
What is the minimum deposit at DBS digibank India?+
The minimum deposit at DBS digibank India is ₹10,000. (Source, checked September 26, 2026)
Which company operates DBS digibank India?+
DBS digibank India is operated by DBS Bank India Limited. (Source, checked September 26, 2026)
Where is DBS digibank India based?+
DBS digibank India is based in India. (Source, checked September 26, 2026)
When was DBS digibank India founded?+
DBS digibank India was founded in 2016. (Source, checked September 26, 2026)
How can I contact DBS digibank India support?+
DBS digibank India offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- dbs.bank.in/digibank/in/about.page checked September 26, 2026
Backs: Founded
“In 2016, DBS launched India's first mobile-only bank, digibank”
- dbs.bank.in/digibank/in/cards/debit-cards/digibank-debit-... checked September 26, 2026
Backs: Card type
“Debit Card”
- dbs.bank.in/digibank/in/default.page checked September 26, 2026
Backs: Support channels
“Help & Support”
- dbs.bank.in/digibank/in/loans/personal/personal-loan checked September 26, 2026
Backs: Loan amount, Credit check, Credit needed, Eligibility, Features, Lender type, Loan types, Term, Use cases
“DBS Bank Personal Loan: Access up to INR 15 lakh”
- dbs.bank.in/digibank/in/loans/personal/personal-loan-inte... checked September 26, 2026
Backs: APR, Free early repayment, Funding time, Arrangement fee, Origination fee (%)
“Personal Loan Interest Rates: Minimum Interest Rate 10.99%, Maximum Interest Rate 30%, Type of Interest Rate Fixed”
- dbs.bank.in/in/iwov-resources/pdf/schedule-of-benefits.pdf checked September 26, 2026
Backs: Minimum deposit, Card network
“Minimum Monthly Average Balance (MAB) INR 10,000 - DBS Savings Account digiSavings”
- dbs.com checked September 26, 2026
Backs: Headquarters
“DBS Bank India Limited, First Floor, Express Towers, Nariman Point, Mumbai 400 021, India”
- dbs.com/digibank/in/schedule-of-charges.page checked September 26, 2026
Backs: Access terms, Account kind, Pricing model
“DBS Bank Savings Account ... Monthly Average Balance requirement ₹ 10,000”
- dbs.com/in/treasures/common/interest-rates.page checked September 26, 2026
Backs: Headline rate, Legal entity, Rate type
“Savings Account Interest Rate (Domestic) Balance in Savings Account Interest Rate Per Annum Up to Rs.2L 2.50% Above Rs.2L and up to Rs.50L 5.00% Above Rs.50L 4.00% ... Interest rate revised as above...”
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Markets, Regulators, Investor protection, Retail accounts that lose money.