Personal Loan

Personal Loan

Personal Loan

Be it a family vacation, a household appliance or your child’s education, you always dream to get the best for your family. With the Deutsche Bank personal loan products*, you will always be prepared to fulfill your dreams.

- Competitive interest rates on Personal Loans
- No security, collateral or guarantor required
- Balance consolidation for your Personal loan outstanding

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Express Rewards


Personal Loan comes with the following advantages:

  • Easy loan tenure: Pay off your Personal Loan at your ease.
  • Balance transfer option: Transfer your high interest loan from any other bank to avail current interest rates.
  • Existing customer advantage: Avail of a Personal Loan without providing income papers.
  • Easy documentation: Avoid the hassle of multiple documentation.
  • Quick approval process: You don't have to wait too long to obtain a personal loan anymore.

Pay your Deutsche Bank Personal Loan EMI through your Deutsche Bank Savings Account and earn 5 Express Rewards


Easy loan tenure
You can apply for loans amounting from Rs 50,000 to Rs 15,00,000 and repay it at your ease by opting for tenures ranging from 12 months to 48 months.
Benefit with balance transfer option
Why should you continue to pay a higher interest rate on your existing personal loan? You have the option of transferring your loan to Deutsche Bank at the current interest rates. You also have the option of getting an additional loan, as per your eligibility when you transfer your existing loan from any other bank to Deutsche Bank.
Existing customers of Deutsche Bank
All Deutsche Bank customers having a Payroll / Savings / Current Account can avail of loan at the current interest rates.
Easy documentation
At Deutsche Bank, it is easy to apply for a Personal Loan, as the documentation process is simple and friendly.
Quick approval process
At Deutsche Bank, we are prepared to meet your urgent financial needs. You do not have to wait for long to get your Personal Loan approved. You will get the money when you need it most.


Eligibility criteria Existing customers

Minimum Age


25 years


Maximum Age


60 years


Income (Rs.)


Monthly take home - Rs. 25,000 and above




Mandatory at both residence and office


Credit at the sole discretion of Deutsche Bank AG, India.



Documentation Salaried
Photo Identity (any one)
  • Valid Passport
  • Photo PAN Card
  • Voter's ID Card
  • Valid Driving License
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Aadhar Card or Letter issued by the UIDAI
Proof of Address (any one)
  • Valid Passport
  • Valid Driving License
  • Voter's ID Card
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Aadhar Card or Letter issued by the UIDAI
Proof of Signature (any one)
  • Valid Passport
  • Banker's Certificate
  • Driving Licence
  • PAN Card
Proof of Age (any one)
  • Valid Passport
  • Voter's ID Card
  • PAN Card
  • Birth Certificate
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Aadhar Card or Letter issued by the UIDAI

Schedule of Charges

w.e.f. September 01, 2016

 Fees and Charges

 Personal Loans 
 Processing fees  Up to 3% of the loan amount
 Default interest rate  24% per annum
 Loan prepayment penalties  
  • Prepayment is allowed only after 6 months from the date of disbursal
  • No part payment is allowed throughout the loan tenure
  • 5% of the principal outstanding at the time of loan closure
 Personal Credit Report Issuance charges (CIBIL report)  Rs. 50/-
 Duplicate statement issuance charges   Rs. 500/-
 Unsuccessful execution of standing Instruction or ECS for payment / cheque bounce charges  Rs. 500/-
 Repayment instruction swap charges (ECS / NACH)  Rs. 500/-
 No dues certificates  Free
 Service tax payable on fees and charges  As applicable
 Stamp duty charges  Depending on local regulations
 Annual accountant statement charges  Free

  • Disbursement of the loan is at sole discretion of the Bank.
  • Schedule of charge is subject to review by the Bank from time to time.
  • All fees and charges mentioned above will attract Service Tax / Education Cess at applicable rates.

Frequently asked questions

Who are eligible for Personal Loan?

Personal Loan is offered only to existing Deutsche Bank customers.

How much loan can I avail of?

You can avail of a loan ranging from Rs. 50,000 to Rs. 15,00,000 depending on your eligibility, income and repayment capacity.

How do I repay my Personal loan?

You pay the loan in equated monthly installments. The loan will be paid through Standing Instructions to debit your Deutsche Bank account with the EMI amount. 

What security do I need to provide to obtain this loan?

To obtain the loan, there is absolutely no need to provide any security or collateral.

What are the loan tenure options?

You can repay your loan over a period of 12 to 48 months.

How long will it take for me to get my loan?

Once you submit your application form and supporting documents, we shall give approval within 7 working days provided everything is in order. All loan approvals are at the sole discretion of the bank.

Can I repay the loan earlier?

You can choose to repay your loan anytime after 6 months from date of disbursal of the loan at a foreclosure charge of 5% of the principal outstanding on your loan. Part Prepayment is not permitted.

How do I approach Deutsche Bank for a Personal Loans?

You can approach us in any of the following ways:

  • Call us at our 24 hour Customer Care Centre
  • Write to us using the "Email Us" option
  • You can just walk into any of our branches.