Products

DCCL loan disbursal methodology ensures a personalized service that suits customers needs and ensures maximum customers satisfaction. We offer various loan product for our customers at a very low interest rate with easy instalment type. Loan amount directly remit to customers bank account. The borrowers have the choice to repay the instalment amount by ECS, Cheque or by Cash on a weekly, fortnightly or monthly rest. There are no hidden charges and complete transparency is maintained with our borrowers.



PRODUCTS
Type of Loans Purpose Duration in Months Loan  Ticket Size Rate of interest
Personal Loans
Meant for self-employed & salaried people for income generation, children education,  medical requirement, & social requirement etc.
 36 to 60 months Rs. 50,000 - Rs.5,00,000    20%-24% p.a 
Unsecured MSME Loans
Meant for increasing the business & to improve their quality of life. We also offer this loan to the economically challenged people of the society for building up a better life.
  12 months Rs. 10,000 - Rs.2,00,000    25.5% - 27% p.a 
Secured MSME Loans
This loan is intended for small business owners to generate income, meet seasonal requirements, or support business growth, and is backed by property as collateral security
 Upto 36 months Rs. 50,000 - Rs.5,00,000    24% - 27% p.a 

Basic Eligibility Criteria :

CUSTOMER PROFILE AGE RESIDENTIAL STABILITY BUSINESS / EMPLOYMENT STABILITY DISPOSABLE INCOME (AFTER DEDUCTION OF ALL EMI) MOBILE NO
Salaried / Self Employee Age : 18 to 55 Years Own & Minimum 2 Years Minimum 2 Years Salary : 7000 PM
Self Employee : 10000 PM		 Must Salaried / Self Employee

Basic Documents Required :

  • Photograph - Latest Color Photograph

  • Identity proof (Any One) - Voter ID Card / PAN Card / Passport / Driving License / Aadhar Card / Govt. issued documents + Photograph / Bank Sign Verification.

  • Age Proof (Any One) - Voter ID Card with Date of Birth / PAN Card / Passport / Driving License / Aadhar Card / Govt. issued documents with date of birth / Marks Sheet with date of birth.

  • Signature Verification (Any One) - PAN Card / Driving License / Passport / Bank Signature Verification.

  • Address Proof (Any One) - Fixed Line Telephone Bill / Goverment or Local Authority Bill (Electric / Tax Water / Gas Bill) / Index Copy or Sale Deed or Allotment Letter + Utility bill.

  • Ownership Proof (Any One) - Electric Bill / Tax Bill / Water Bill / Possession Letter + Utility Bill / Power of Attomey + Utility Bill / Index copy + Utility Bill.

  • Income Proof (Any One)
    A. For Self Employee - Shop Establishment Certificate / GST NO / Sales and Purchase Bill / ITR / Financials with all schedules of last 3 Years.
    B. For Salaried Applicants - Salary Slip of last 3 Months / Form 16 / TDS Certificate.

  • Bank Statement - Last 6 Months Bank Statement of all Bank Accounts.
    DCCL Reserves the Right to ask for Additional Documents.