Dena Bank Kolkata - IFSC Code, Main Branch Address, Rates March 2024

Dena Bank Kolkata

About Dena Bank

Dena Bank is one of the premier commercial bank which has established itself by setting up few branches in Kolkata. Devkaran Nanjee along with his family founded the bank on the 26th of May, 1938. The bank became nationalized further by the Government of India in the year 1969. Being chosen by the World Bank in the year 1995 for disbursing a loan of ₹72.3 Crores under Financial Sector Development project, Dena Bank has made a progress for technologically upgrading itself to provide affordable loans to variety of its customers electronically at their convenience.

Kolkata is regarded as the commercial and financial hub of East and north-East India, thanks to the vital support gained throughout the decade from the local Government in assistance from banking sector including Dena Bank. The various forms of loan schemes such as Dena Trade Finance and alike have continued to promote entrepreneurial activities in Kolkata due to which large public- and private-sector corporations; major sectors including steel, heavy engineering, mining, minerals, cement, pharmaceuticals, food processing etc have been standing steadily till date.

Also, the prominent industries are having their current accounts maintained with the Dena Bank for facilitating smooth processing of transactions and payments which ultimately has fostered the city to reach heights in its development from time-to-time.


Branch Addresses of Dena Bank in Kolkata

Branch NameComplete AddressIFSCMICRContact Number
Burra Bazar112, Rabindra Sarani, P.B.No.704, Burra Bazar, Calcutta, West Bengal - 700073BKDN0910075700018004033-22685764(D)/22381581
Bhowanipore109/D, Ashutosh Mukherjee Road, Bhowanipore, Calcutta, West Bengal 700025BKDN0910081700018008033-24755568/24754932
Calcutta Shyam Bazar83/1, Bidhan Sarani, Shyam Bazar, Calcutta - 700004BKDN0910172700018012033-25556365/25553038
Kolkata Rashbehari Avenu41 A (C), Rash Behari Avenue, KolkataBKDN0910173700018011033-24634211/24643781
Park Street3, Park Street, Calcutta, West Bengal - 700016BKDN0910300700018005033-22267845(D)/22295487/6393
Beckbagan - Park CirBeck Bagan, 3, Mrigendra Lal Mitra RDCalcutta, West Bengal - 700017BKDN0910547700018007033-22409644/22477033
Sealdah20 A , Ramnath Biswas Lan Sealdah 700009BKDN0910647700018015033-23505638
Calcutta - Behala 427/a, Diamond Harbour Road, Calcutta - 700034 . BKDN0910690700018016033-24782526
College Street 52 BY 11A, College Street, Calcutta 700073 BKDN0910693700018014033-22414803
ManiktallaP - 241, CIT RD.Scheme - IV(M), Kankurgachi, Manicktalla, Calcutta - 700054, West BengalBKDN0910697700018010033-23345124/23207018

Products Offered by Dena Bank in Kolkata

ProductEligibilityLoan Amount Interest RateProcessing FeeTenure
Home Loan(1) Need to be a major individual, resident or non-resident, having a regular source of income
(2) Your age at the time of loan maturity is less than the retirement age if you are a salaried employee and below 65 years, if you have a business

(3) The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan
Up to Rs.200 lakhs for the purchase/construction of a house.
Up to Rs.10 lakhs for renovation/upgradation.
8.50% - 10.60%0.50% of the sanctioned limitUpto 30 years for the purchase of a new flat/house/contruction/extension
Upto 10 years for the repairs, renovation and upgradation
Personal Loan 1. Need to be a permanent employee between 24 to 55 years and have a work experience for atleast 2 years in a Govt. Or PSU/reputed organization

2. Need to have a gross monthly income of atleast ₹15,000/-

(3) Need to have a salary disbursement arrangement with Dena Bank or provide an undertaking from your employer
Minimum : ₹ 15,000/-

Maximum : 9 times of Net Monthly Income
10.90% - 18.25%1% of the loan amountUpto 3 years
Vehicle Loan1. For Motor Cycle/Scooter: Minimum ₹ 1 lakh per annum

2. For Four Wheeler:
(a) For Individual/Proprietary Firm: Minimum ₹2.50 lakhs p.a.

(b) For Partnership Firm/Company : Minimum ₹ 3 lakhs p.a.
Upto ₹ 50 lakhs for purchase of a new two wheeler

Upto ₹ 200 lakhs for purchase of a new car
7% onwardsTwo Wheeler: ₹ 250/-(Plus service tax as applicable from time to time)

For Car Loan : ₹ 500 irrespective of loan amount (Plus service tax as applicable from time to time)
Maximum upto 7 years for new vehicle.

2nd hand four-wheeler(upto 3 year old)-Maximum upto3 years
Business LoanApplicable for whole time practitioners such as Chartered Accountants, Company Secretary and Chartered Financial Analyst, not employed anywhere else but should be an income tax assessee for last two years

For Doctor+

Need to be registered medical practitioner having indiviual/partnership firms, age should be over 25 years but less than 65 years at loan maturity, applicant should not be a defaulter of any Bank/FI
For CA, CS and CFA

Minimum : ₹ 2 lakhs

Upto ₹ 100 lakhs (With a maximium of 20 % by way of Working Capital)


For Doctor+

Maximum of ₹ 2.00 crores of which a sub-ceiling for Working Capital limits at 10% of total loan amount.
For CA, CS and CFA



For loans repayable in more than 3 years : 10.05%-10.55%

For Working Capital Limits

10.05%

For Women Borrowers, 0.25% concession in Rate of Interest

For Doctor +

10.05%-10.55%

For CA, CS and CFA

0.50% of the loan amount

For Doctor+

0.50% of the loan amount
Minimum : ₹ 500/-

Maximum : ₹ 50,000/-

For CA, CS and CFA

Upto 10 years


For Doctor+

Upto 7 years
Loan Against PropertyNeed to be 21 years of age, eligible to salaried individual, professional, self-employed, agriculturist, need to be an income tax assesee for atleast 2 years, need to have net-monthly income of ₹ 12,000Minimum : ₹ 2 lakhs

Maximum : ₹ 500 lakhs
Term Loan : 10.25%

Overdraft: 10.25%
1% of the sanctioned limitUpto 10 years
Fixed DepositIndividuals, Hindu Undivided Families (HUFs), Minor represented by parents/guardian,Guardian on behalf of societies, clubs, trusts and associations, associations, clubs, trusts, sole proprietorship firms, partnership firms and limited companiesNIL2.90% - 6.30%NIL7 Days-10 years

Documents Required at Dena Bank Kolkata


Product
Documents
Home Loan Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property you look to buy & construct
Personal Loan Identity Proof- PAN Card/Voter ID/Driving License/Aadhar Card/Passport
Address Proof- Utility bill/Passport/Aadhar card/Voter ID
Income Proof- Latest Salary Slip/ ITR/Form-16
Bank Statement- Last 3-6 Month Bank Statement
Vehicle Loan Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)

Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card.

Proof of Income: Latest salary slip with form 16 / Audited balance sheet, Profit & Loss Account for latest two years/ Have a minimum turnover of ₹ 4,50,000 per annum / Audited balance sheet, Profit & Loss Account for latest two years and the latest 2 years IT returns of the company / Latest ITR

Bank Statement: Last 6 months
Business Loan Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 2Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/Memorandum of Association (MOA and Articles of Association (AOA) or other documents. These documents apply in the case of partnership firm or a company
Loan Against PropertyIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property to be mortgaged
Fixed DepositAn Individual, Hindu Undivided Family, Sole Proprietorship Concern

ID Proof – Passport, PAN Card, Driving Licence, Voter ID, Government ID Card, Senior Citizen ID Card
Address Proof - Telephone Bill, Electricity Bill, ID Card Issued by Post Office, Bank Statement with Cheque
A photograph
Trusts

Copy of the Trust Deed
Copy of the registration certificate
Copy of the Resolution of the Trustees authorizing the members concerned to open and operate the account
Photographs of the members operating the account
Associations/Clubs

By-laws of the Association
Copy of the Resolution by the board authorizing the members concerned to open and operate the account
Photographs of the members operating the account

Partnership Firm
Partnership Deed
Letter from partners approving the persons concerned to open and operate the account
Photographs of the persons operating the account


Public or Private Limited Companies
Board Resolution / Authority Letter
Memorandum & Articles of Association
Certificate of Incorporation
Certificate of Commencement of Business (Public Limited Company)
Form 32 in case list of directors are not original subscribers to Memorandum & Articles of Association (in case of Private Limited Cos) Duly acknowledged by ROC
Governing Act / Rules and Regulations(PSUs) (certified true copy)

Personal Loan Interest Rates March 2024
HDFC Bank10.75% - 14.50%
ICICI Bank10.75% - 19.00%
IndusInd Bank10.25% - 26.00%
Kotak Bank10.99%
RBL14.00% - 23.00%
SMFG India Credit12.00% - 24.00%
Standard Chartered Bank11.49%
Tata Capital10.50% - 24.00%
Home Loan Interest Rates March 2024
Axis Bank8.75% - 9.15%
Bank of Baroda8.50% - 10.60%
Citibank8.75% - 9.15%
HDFC8.50% - 9.40%
ICICI Bank9.00% - 9.85%
Indiabulls Housing Finance Limited8.65%
Kotak Bank8.70%
LIC Housing8.50% - 10.50%
Piramal Capital & Housing Finance10.50%
PNB Housing Finance8.50% - 10.95%
Reliance Home Finance8.75% - 14.00%
State Bank of India/SBI9.10% - 9.65%
Tata Capital8.95% - 12.00%