Dakshin Bihar Gramin Bank Pension Loan Features
| DBGB Pension Loan Interest Rate | 11.83% p.a. |
| DBGB Pension Loan Processing Fee | 1% of the loan amount |
| DBGB Pension Loan Tenure | 36 months |
| Pension Loan Amount Minimum | 25,000 |
| Pension Loan Amount Max | 14 Lakh |
| Family Pension Loan Amount Minimum | 2.5 Lakh |
| Family Pension Loan Amount Max. | 5 Lakh |
| DBGB Prepayment Charges | 3% of the loan amount |
| DBGB Foreclosure Charges | 3% of the loan amount |
Dakshin Bihar Gramin Bank Pension Loan Eligibility
For the Dakshin Bihar Gramin Bank loan ability, it is one of the primary requirements that one of your ex-staff part who is having a grant account. You must also be a beneficiary of state power, PSU or Central Government. 
You must also take back 60% of the regular pension after paying the bank payments.
Dakshin Bihar Gramin Bank Pension Loan Eligibility for Central and State Government Pensioners
| Eligibility Criteria | Key Features |
| Employer Type | Central and State Government |
| Applicant’s Age | Below 76 years of age |
| Account Type | Pension payment order maintained by Bank |
| Treasury Terms | Written consent from the treasurer not to accept any pension transfer requests |
| Guarantee Terms | By the spouse (eligible for a family pension) or any other third party |
Dakshin Bihar Gramin Bank Pension Loan Eligibility For Defence Pensioners
| Eligibility Criteria | Key Features |
| Employer Type | Armed Forces, Paramilitary Forces, Coast Guards, Rashtriya Rifles, Assam Rifles |
| Applicant’s Age | Below 76 years of age |
| Account Type | Pension payment order maintained by Bank |
| Treasury Terms | Not applicable |
| Guarantee Terms | Not applicable |
Dakshin Bihar Gramin Bank Pension Loan Eligibility For Family Pensioners
| Eligibility Criteria | Key Features |
| Employer Type | Central and State Governments including all Armed Forces |
| Applicant’s Age | Below 76 years of age |
| Account Type | Pension payment order maintained by Bank |
| Treasury Terms | Not applicable |
| Guarantee Terms | Authorised members of the family under the family pension scheme |
Maximum Eligible Loan Amount and repayments
For Central and State Government Pensioners:
| Age | Max Loan Amount (18 months Pension or Less) | Repayment Period | Age at the time of full Repayment |
| Below 72 years | ₹ 14.00 Lakh | 60 months | Up to 77 years |
| 72 – 74 years | ₹ 12.00 Lakh | 48 months | Up to 78 years |
| 74 – 76 years | ₹ 7.50 Lakh | 24 months | Up to 78 years |
For Defense Pensioners:
| Age | Max Loan Amount (18 months Pension or Less) | Repayment Period | Age at the time of full Repayment |
| Below 56 years | ₹ 14.00 Lakh | 84 months | Up to 63 years |
| 56 – 72 years | ₹ 14.00 Lakh | 60 months | Up to 77 years |
| 72 – 74 years | ₹ 12.00 Lakh | 48 months | Up to 78 years |
| 74 – 76 years | ₹ 7.50 Lakh | 24 months | Up to 78 years |
For Family Pensioners (including Defense Pensioners):
| Age | Max Loan Amount (18 months Pension or Less) | Repayment Period | Age at the time of full Repayment |
| Below 72 years | ₹ 5.00 Lakh | 60 months | Up to 77 years |
| 72 – 74 years | ₹ 4.50 Lakh | 48 months | Up to 78 years |
| 74 – 76 years | ₹ 2.50 Lakh | 24 months | Up to 78 years |
Interest Rate On Dakshin Bihar Gramin Bank Personal Loan For Pensioners
The interest rate for Dakshin Bihar Gramin Bank Pension Loan is so limited i.e. 3.40% p.a. to fulfil the terms of old pensioners in their closing times.
Document Required For Dakshin Bihar Gramin Bank Pension Loan
Identity proof: One of the following specified–
- Passport
- Voter Identity Card
- Pan Card
- Driving License
- Aadhaar Card
Address proof: One of the following specified–
- Ration Card
- Bank Account Statement
- Passport
- Driving License
- Utility bills
- The property purchase agreement
- Aadhaar Card
Income proof:
- Bank Account Statement
- Salary Slips
Loan Amount On Dakshin Bihar Gramin Bank Personal Loan For Pensioners
The minimum loan sum is Rs 25,000. The highest loan sum and loan tenure depends on the pensioner’s age and the kind of payment he/she is picking.
For State and Central Government Pensioners:
| Age | Minimum Loan Amount | Maximum Loan Amount | Additional Ceiling Amount | Loan Tenure |
| Less Than 72 Years | 25000 | 14 Lakh | 18 Months Pension | 60 |
| 72 to 74 Years | 25000 | 12 Lakh | 18 Months Pension | 48 |
| 74 to 76 Years | 25000 | 7.5 Lakh | 18 Months Pension | 24 |
For Defence Pensioners:
| Age | Minimum Loan Amount | Maximum Loan Amount | Additional Ceiling Amount | Loan Tenure |
| Up to 56 Years | Rs 25000 | 14 Lakh | 36 Months Pension | 84 |
| Less Than 72 Years | Rs 25000 | 14 Lakh | 18 Months Pension | 60 |
| 72 to 74 Years | Rs 25000 | 12 Lakh | 18 Months Pension | 48 |
| 74 to 76 Years | Rs 25000 | 7.5 Lakh | 18 Months Pension | 24 |
For Family Pensioners:
| Age | Minimum Loan Amount | Maximum Loan Amount | Additional Ceiling Amount | Loan Tenure |
| Less Than 72 Years | 25000 | 5 Lakh | 18 Months Pension | 60 |
| 72 to 74 Years | 25000 | 4.5 Lakh | 18 Months Pension | 48 |
| 74 to 76 Years | 25000 | 2.5 Lakh | 18 Months Pension | 24 |
FAQs on Dakshin Bihar Gramin Bank Pension Loan
✅ Can you get a loan on a pension?
The Dakshin Bihar Gramin Bank Pension Loan is sanctioned for the Central and State Govt pensioners, Defense pensioners and family pensioners up to 76 years of life.
✅ How much loan can a pensioner get?
The loan value of the personal loan for pensioners changes for the various pension loan providers. The Dakshin Bihar Gramin Bank Pension Loan can be availed for the cost Rs 25,000 to Rs 14 lakhs.
✅ What is the pension loan scheme?
The Dakshin Bihar Gramin Bank Pension Loan program covers the funding demands of Govt, Defense and family pensioners after their retirement.
✅ At what rate of interest you can get Dakshin Bihar Gramin Bank Pension Loan?
You can obtain Dakshin Bihar Gramin Bank Pension Loan at 3.40% p.a. interest rate.
✅ How can you get Dakshin Bihar Gramin Bank Pension Loan?
You can follow online via Dialabank or call at 9878981166.
