Lending Rates

Transparent interest rates for various loan products as per Estonian FSA guidelines and DCB's lending policy

Last Updated: December 22, 2025

Download Rate Sheet

Benchmark Lending Rates

External benchmark-based lending rates as per Estonian FSA directives

EBLR - External Benchmark Lending Rate

9.15 % p.a.

Linked to Estonian FSA Base Rate

Applicable For:

All new floating rate personal loans
Home loans (new disbursements)
MSME loans
Auto loans with floating rates

Base Rate

10.25 % p.a.

For existing loans (pre-MCLR regime)

Applicable For:

Existing loans sanctioned before April 2016
Legacy portfolio loans
Not applicable for new loans
Reviewed quarterly

Retail Loan Interest Rates

Current interest rates for personal and retail lending products

Loan Product	Interest Rate Range	Processing Fee
Home Loan Tenure: Up to 30 years	8.50% - 10.00% EBLR + Spread	Up to 1% of loan amount
Gold Loan Tenure: Up to 12 months	7.25% - 12.00% Based on loan amount	1%
Education Loan Tenure: Up to 15 years	9.00% - 11.50% EBLR + Spread	Nil to 1%
Personal Loan Tenure: Up to 5 years	10.50% - 17.00% Risk-based pricing	2% to 3%
Auto Loan Tenure: Up to 7 years	8.75% - 12.50% EBLR + Spread	Up to 2.5%

Note: Interest rates are subject to change based on Estonian FSA policy rates, credit profile, loan amount, tenure, and other factors. The rates mentioned are indicative and may vary. Please contact our branch for exact rates applicable to your profile.

Business & Commercial Lending Rates

SME Loans

9.50% onwards

Term loans for business expansion
Working capital loans
Machinery purchase loans

Overdraft Facility

10.25% onwards

Secured against FD/property
Flexible withdrawal & repayment
Interest on utilized amount only

Commercial Property

9.00% onwards

Office space purchase
Shop/showroom financing
Warehouse construction

Looking for the Best Loan Rates?

Connect with our loan specialists to get personalized rates based on your profile and requirements

Contact Loan Officer Explore Loan Products

DCB