Mission DENA BANK will provide its

Customers - premier financial services of great value, Staff - positive work environment and opportunity for growth and achievement, Shareholders - superior financial returns, Community - economic growth

Vision
DENA BANK will emerge as the most preferred Bank of customer choice in its area of operations, by its reputation and performance

The logo of Dena Bank depicts Goddess Lakshmi, the Goddess of Wealth, according to Hindu mythology. It was the desire of the founding fathers of the Bank that the Bank should be a symbol of prosperity for all its clients, and the logo represents this promise. The contemporary 'D' in the logo reflects the dynamism, dedication and the drive towards customer satisfaction

Dena Deposit Schemes

We welcome you to Dena Bank Personal Banking section, we offer all our services along with a personal touch by reaching out to you in various manners. We offer some of the most attractive Deposit rates to our customers.

Premium Savings Account Scheme

SALIENT FEATURES : Minimum Balance: Quarterly average balance of Rs. 25,000/Concessions offered

1. Free cheque books facility

2. Free of commission Demand Drafts/ MT/ Pay Orders up to an aggregate amount of Rs. 10,000/- per month OR Free collection of outstation cheques up to Rs. 10,000/ per month on the centres where we have branches. Actual Postage & out of pocket expenses shall be borne by the accountholder. Where we have no branch, only our commission will be waived. The account holder has to bear the commission of the Agent bank in addition to postage & out of pocket expenses. The scheme is optional.

Premium Current Account Scheme

Minimum Balance: Rs 5000/- to be maintained at any point of time Monthly Average Balance: Rs. 1 Lac per month

1 Free of commission Demand Drafts/MT/Pay Orders up to an aggregate amount of Rs. 1.00 lac per month OR Free collection of outstation cheques up to Rs. 50000/- per month on the centre where we have

branches. Actual postage and out of pocket expenses shall be borne by the account holder. Where we have no branch, only our commission will be waived. The account holder has to bear the commission of the agent bank in addition to postage and out of pocket expenses. The above facility is subject to a maximum of 10 DDs / MTs / Pay Orders/ Outstation cheques per month. If the account holder maintains more than Rs. one lac balance in his account then the concessions will be increased proportionately in multiples of Rs. One Lac. 2. If the Minimum balance / Monthly average balance is not maintained penalty will be charged. The Scheme is optional.

Dena Jeevan SB Account Now, get life insurance cover through your Savings Account!
"Dena Jeevan SB Account" provides the value addition of life insurance for our Savings deposit account holders, who can now avail of life insurance cover through their account. The insurance cover is available under a One Year Renewable Term Insurance Plan of Life Insurance Corporation of India [LIC], for whom Dena Bank is a Corporate Agent. The Savings Deposit account holders of the Bank between 18 and 59 years of age, who opt to become members under the scheme, would be eligible for an insurance cover of Rs.1,00,000/- ( Rupees One lac only ) on life, at very low premium. The amount of annual premium depends on the age of the optee. The salient features of the scheme ( which is a part of our Savings Deposit Scheme ) are given below:

Life cover of Rs. 1 lac. Life insurance cover upto 60 years of age. Very low premium. No medical tests required.
A simple declaration of good health will suffice.

Insurance cover commences immediately on signing the Consent-cum-Authorisation Letter and debit
of premium to the account. The customer does not have to wait for the policy document.

Simple payment mechanism : the premium can be debited to customers account and standing
instructions can be given for renewal. Thus there is no possibility of lapse of cover.

Income Tax benefit is available. Effectively, the premium cost is lower. Nomination facility is available. Simple claim settlement process. The insurance cover is provided under the Group Insurance Scheme of LIC, the premier life insurance
company in the country having sovereign guarantee.

Such One Year Renewable Term Insurance Plan is not available off the shelf for individuals.
For further details, please contact our nearest branch.

Adding value to your savings account....because we value your account.

Dena Maha Tax Bachat Yojana

A Deposit scheme to avail Income Tax benefit u/s 80C: Any Individual or a Hindu Undivided Family [HUF] can invest a minimum amount of Rs 100/- or multiples thereof, to avail Income tax benefit u/s 80C of the Income Tax Act subject to a maximum of Rs 1,00,000/- in a financial year.

Scheme Attraction: Investors can avail tax benefits while earning Higher returns / Yield on their deposits as interest rate offered is higher than the normal Card Rate. Rate of Interest : The rate of interest offered under Dena Maha Tax Bachat Yojana has been revised and now been linked to our Card Rate (similar to the Domestic Term deposits for a period of 5 years and above). Interest Payment: Option available to receive interest either at the time of maturity with Quarterly Compounding [cumulative] OR at Monthly / Quarterly / Half-yearly / Yearly rests [non- cumulative]. Period Of Deposit: Fixed maturity period of 5 years. Premature withdrawal is not permitted Deduction under section 80C: In case of joint holder type deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit. Nomination Facility: Available, except in the case of term deposit held by or on behalf of minor. Permanent Account Number [PAN]: PAN is mandatory to invest in this scheme.

Dena Super Premium Current Account

FLEXIBILITY OF CURRENT ACCOUNT - EARNING OF FIXED DEPOSIT Automatic transfer of balance from the Current Account in excess of Rs. 2,00,000/- to Fixed Deposit, in multiples of Rs. 25,000/- and Re-transfer of funds from the Fixed Deposit to Current Account in multiples of Rs. 25000/- when there is a need.

Eligibility: Existing/new customers who maintain the monthly average balance of Rs 2 lac & minimum balance of Rs. 5000/- for one full calendar month. Maximum period of deposit: 90 days

Rate of interest: Card rate will be applicable for units converted to term deposits if the aggregate amount of deposit so converted to Term deposit is less than Rs 1 cr per day. Bulk deposit rate on Term Deposits to be announced by the Treasury Department everyday would be applicable for units converted to Term deposits if the aggregate amount of deposit so converted to Term deposit is Rs 1 cr and above per day.

Monthly Average Balance : Rs. 2 Lac. Minimum Balance: Rs 5000/-

FACILITIES OFFERED : Free Demand Drafts/ MT/ Pay Orders up to an aggregate amount of Rs. 2 lac per month OR Free collection of Outstation cheques up to Rs. 1 Lac per month. Actual postage & out of pocket expenses shall be borne by the account holder. Where we do not have a branch, only our commission will be waived. The account holder has to bear the commission of the agent bank in addition to postage & out of pocket expenses. (The above facility is subject to a maximum of 20 DDs / MTs / Pay Orders/Outstation cheques per month.) Free Debit card Free Bill Pay services available (at selected branches) If the Minimum balance / Monthly average balance is not maintained penalty will be charged.

Dena Savifix Deposit Scheme

Dena Savifix Account as the name denotes acts primarily as a savings account and doubles up as fixed deposit A/c. What Happens isthe money deposited in the Account, the moment the balance crosses Rs 25,000/- The exceeding amount in multiples of Rs. 5000/- is automatically converted to Fixed Deposit earning higher interest. Conversely, if funds in your savings account are insufficient for withdrawal or to honour a cheque, the requisite amount will be automatically transferred from the fixed deposit account in units of Rs. 5,000/Salient Feature: The convenience of a savings account with better interest rates .

As the name denotes enjoy the freedom of a savings account with the earnings of a fixed deposit account.

Dena Freedom Deposit Scheme

Dena Freedom Deposit Scheme, comes with a cheque book facility to enable you to withdraw

upto 90% of the initial deposit amount as overdraft. This Deposit scheme ensures that your money is neither blocked nor are you stuck with time consuming paperwork. Minimum Deposit : Rs. 10,000/-, which is automatically renewed in multiples of Rs.1,000/-. Deposit Period : 1 - 5 years. Compounded interest payable on maturity on the deposit amount.

Dena Samruddhi Deposit Scheme

Under Dena Samruddhi Deposit Scheme the interest amount is compounded on the quarterly rests, effectively yielding higher return than the contracted rate. Minimum Deposit : Rs. 100/Deposit Period : 6 months - 120 months. True to its name this scheme allows Growth of your Capital by way of higher returns on your investments.

Dena Fixed Deposit Scheme

Dena Fixed Deposit Scheme allows you to choose the intervals of receiving your interest. You can choose yearly, half-yearly, quarterly or even monthly interest payments according to your needs of income. Duration :The deposit is accepted under this scheme for any period from 7 days to 10 years. Your money is never idle and your receipt of your interest income can be planned according to your needs

Dena Senior Citizen Scheme

Dena Bank Senior Citizen's Scheme is open to individuals, who have completed 60 years of age. The account can be opened in the sole name of the individual (with nomination facility) and/or in joint name. In case where joint account holder is a person below the age of 60 Years, the name of Senior Citizen to be given as first name in the application form. The depositor can open Fixed Deposit (Dena Senior Citizen Fixed Deposit ) account where monthly /quarterly/ half yearly/yearly interest would be paid. The period of such deposit will be minimum 15 Days to maximum 10 years. For cumulative deposit scheme, (Dena Senior Citizen Samruddhi Deposit) the period of deposit should be minimum 6 months to maximum 10 years. Proof of Age. At the time of opening of a new deposit account, Senior Citizens are required to provide any of the following documents as proof of age. Secondary School leaving Certificate indicating date of birth. LIC Policy. Voters Identity Card/ Ration Card.
Pension Birth

Payment Order. Certificate issued by the competent authority. Passport. Driving Licence. Superannuation / retirement certificate of Central/State Governments and Central/State Government Undertakings
Minimum Deposit Amount. Minimum amount of deposit should be Rs. 1,000/- per deposit receipt and in multiple of Rs.1000/- with no maximum deposit ceiling. Rate of Interest. The scheme offers 0.50 % additional rate of interest over and above the normal rate of interest offered on Term Deposits. Loan facility : Upto 85% of deposit amount. Other facilities :Under the Senior Citizen Deposit Scheme we provide the following additional facilities. 1. Free ATM Card facility if the customer is maintaining a SB A/c with the branch and free MBB facilities in SB/CA maintained by the customer if the branch is covered under MBB. Further information required if any in this regard may be obtained by sending your e-mail at csc@denabank.co.in

Dena Recurring Deposit Scheme

Dena Recurring Deposit Scheme enables the depositor to save in fixed monthly installments. One can choose different maturity plans depending on one's saving goals desired. By putting away only a little amount every month, the depositor gets a tidy lump-sum amount of principal plus interest at the end of the chosen period. Minimum amount of monthly installment Rs.50/. Further amount in multiple of Rs. 5. As the old adage goes "little drops of water, makes a mighty ocean". This scheme is ideally suited for young salaried people to inculcate a regular and compulsory saving habits.

Dena Loan Linked Recurring Deposit Scheme

Dena Loan Linked Recurring Deposit Scheme as the name suggests this scheme is basically a recurring deposit scheme, which enables and entitles the account holder to avail a loan facility. Save in small amounts in fixed monthly instalments over a period of time and take a large advance. Loan is given on maturity of Recurring Deposit for the purpose of purchasing consumer durables. Maximum loan - 3 times the maturity proceeds of recurring deposit or Rs. 75,000/- whichever is less.

Dena Minor Savings Scheme

Dena Minor Savings Scheme is a product developed for your children, it will inculcate saving habits in the minors and also it helps them in becoming responsible by allowing them to partially operate this account independently. A special savings scheme, for minors. Minors who have attained 10 years of age and above, who can read & write can open Minor Savings Scheme account in their own singly or jointly. No cheque book is issued to Minor Savings Account holder, however a minor is allowed to withdraw the money from his account by withdrawal slip.

Dena Alpa Bachat Khata

Main features of the Account:
The account can be opened with a minimum initial deposit of Rs 10/- and thereafter the balance can go below Rs.10. The account can continue with even ZERO balance. No Debit or ATM Cards will be issued under the scheme. For standing instructions, NO CHARGES will be levied. Cheque books will not be issued to the account holders. However, on a case to case basis, a maximum of 6 Pay Orders/Demand Drafts/M.T (all taken together) can be issued in a year, each not exceeding Rs 2,500/- for which, our usual charges will be levied. In case

the account holder has more than one such account with the branch in such cases total PO/DD/MT per year should not exceed 6 remittance.

Persons above the age of 10 and below 18, who years and able to read and write may open a Minor Savings account under the scheme in his own name or jointly with any other person. Collection of cheques is normally not encouraged in these accounts. However, on a case to case basis, a maximum of 6 instruments can be collected in a year, each not exceeding Rs 2,500/- for which, our usual charges will be levied. Third party cheques will not be collected in these accounts. All other existing terms and conditions of our Minor Savings Scheme shall be applicable to minors under this scheme and for adults, the terms & conditions applicable to our normal Savings Deposit Scheme shall apply.

Dena Cash Certificate

Name of the Product DENA CASH CERTIFICATE DCC MOULD YOUR FUTURE "YOU decide How much money you need on maturity." Cash Certificate can be purchased by any individual in her/his own name or jointly with other person/s, by a parent/guardian on behalf of a minor, proprietorship firms, Hindu Undivided Families, Partnership Firms, Limited companies, Clubs, Associations etc. Rs. 1000 and in multiple of thousand. 7 years from the date of investment. Card Rate (similar to the Domestic Term deposits for a period of 7 years and above). This will depend on maturity value selected and rate of interest applicable at the time of purchase. Available Available Wherever applicable, TDS will be deducted from maturity value. Available

Who can purchase

Maturity Amount Tenor Rate of Interest

Initial Deposit Amount Premature withdrawal Loan / Overdraft facility TDS Nomination

Dena Loans

Welcome to Dena Bank Personal Banking

A wide range of Products Smart loans on easy terms and attractive interest rates Loans for all categories of individuals designed to suit every pocket and to fulfil every financial need. Personalised attention and Speedy processing.

Dena Niwas Housing Finance Scheme

A Loan for different needs You can avail of Dena Niwas Home Loan to purchase a plot, construct a house, buy a ready built house or buy one under construction. The loan even helps you build an extension to your existing house or purchase a house that is up to 50 years old provided the remaining life of the house is more than 25 years. Besides you can take this loan for repairs and upgradation, which includes the cost of fixtures, POP works, retiling, fittings etc. It even gives you the option to shift an existing home loan with any other Bank or Financial Institution. You are eligible if: You are a major individual, resident or non-resident, having a regular source of income. Your age on the maturity of the loan is less than retirement age if you are a salaried employee & below 65 years, if you have a business. The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan. Spouses/Co-applicants income can be clubbed for enhanced eligibility. Loan Amount Up to Rs.200 lakhs for the purchase/construction of a house. Up to Rs.10 lakhs for renovation/upgradation. Margin 20% Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable. INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES LOAN LIMIT OF RS. 100 LACS. PURCHASE OF HOUSE UPTO 50 YEARS OLD ALLOWED FLOATING RATE LINKED TO BPLR & NOT ANY INDEX/ REFERENCE RATE The doorway to your Dream Home

Repayment Upto 20 years-for the purchase of a new flat/house/construction/extension. Upto 10 years- for repairs, renovation and upgradation. Security

Simple equitable mortgage of the house/flat/apartment on which the loan is availed. Process Fees For loans up to Rs. 50 lacs, 0.25% of sanctioned amount or Rs. 12,500/- whichever is less. In case of loans above Rs. 50 lacs to Rs. 1 crore, 0.20% of sanctioned amount or Rs. 20,000/whichever is less . In case of loans above Rs. 1 crore to Rs. 5 crores, 0.15% of sanctioned amount or Rs. 75,000/- whichever is less In case of loans above Rs. 5 crores. 0.10% of the sanctioned amount or Rs.100,000/-, whichever is less.

Dena Vidya Laxmi Educational Loan Scheme Education Loan - Government interest subsidy scheme for Economically Weaker Sections (EWS) Coverage :
EWS with upper parental income of Rs.4.50 lakhs per annum. For recognized Technical / Professional Courses in India after Class XII as approved by Ministry of Human Resources Department, Government of India. Certification of income by Designated authority in the prescribed format. Applicable from academic year 2009-10. Interest Subsidy during moratorium period (Course period + 6 months / 1 year). For further details, contact Branch Manager.

The Topper for your childrens Higher Education Ensure a bright future for your children. Provide them with the best of higher education in India or abroad. Avail Dena Vidya Laxmi Educational Loan. You are eligible if: You are an Indian national and have secured admission to a professional or technical course in an Indian or Foreign university. Simply walk in with the marksheet of the qualifying exam. and proof of admission. Course Eligibility Study in India: Graduation courses, Post-Graduation courses, Masters & PhD, Professional courses. Study Abroad: Graduation for professional/ technical courses offered by reputed universities; Post Graduation (MCA, MBA, MS) Loan Amount

Upto Rs.10 lakhs for studies in India. Upto- Rs. 20 lakhs for studies abroad. Loan takes care of : Fee payable to colleges/ schools/ hostels Examination/ Library/ Laboratory fees. Purchase of books, equipment, instruments and uniforms. Passage fare for travel abroad. Purchase of computers needed to complete the course. Any other expense to complete the course like study tours, project work, thesis etc.

Margin Upto Rs. 4 lakhs- NIL for study in India and abroad. Above Rs. 4 lakhs- 5% for study in India and 15% for study abroad. Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable. 1% p.a. interest concession if interest is serviced during study period. For loans above Rs. 4 lacs, 1% p.a. interest concession for girl students including as applicable in Dena Shakti. For loans above Rs. 4 lacs, 1% p.a. interest concession for IIM / IIT / ISB (Indian School of Business, Hyderabad) students. Total concessions for loans above Rs. 4 lacs, excluding 1% interest concession for interest payment during moratorium period shall not exceed 2% p.a. SIMPLE INTEREST CHARGED DURING MORATORIUM PERIOD. Process Fees Rs.1000/- for studies abroad. Repayment Moratorium- Course period + 1 year or 6 months after getting a job, whichever is earlier. Repayment period- 5-7 years after start of repayment.

Dena Suvidha (Personal Loan) Scheme

Live your Dreams Dena Suvidha is the ideal way to fulfill personal needs of your family. Be it to finance a marriage or family function. To travel or celebrates a festival. For medical treatment or educational purposes. Or simply a vacation. Even an unforeseen event. Dena Suvidha (Personal) Loan is always there for all your needs. You are eligible if:

You are a permanent employee between 24 to 55 years having worked for at least 2 years in a Govt. or PSU/ reputed organization. You have a gross monthly income of at least Rs. 15,000/-. Income of any other earning member ( co-applicants) can be clubbed for enhanced eligibility. You can have a salary disbursement arrangement with us or provide an undertaking form your employer. Loan Amount Minimum- Rs. 15,000/Upto- Rs. 1 lakh or 9 times the net monthly income whichever is less. Margin NIL Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable. INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Process Fees 1% of loan amount Repayment Upto 36 EMIs Mode of disbursement By credit to your Savings Bank account.

Dena Auto Finance Scheme

Take the smooth road to own your Dream Machine Get on the right track with Dena Auto Loan and drive home your home machine. You are eligible if: You have a gross income of more than Rs.75,000/- p.a. for loan for purchase of motor cycle / scooter and more than Rs.1.50 lacs p.a. for loan for purchase of cars. You are a partnership firm / company for purchase of car. The firm / company should be profit making for the last 2 years. The net profit as per Audited Balance Sheet of last year should be more than Rs.3.00 lacs. Loan Amount Upto Rs. 50,000/- for purchase of a new two wheeler. Upto Rs. 8 lakhs for purchase of a new car. Margin

20% Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable. INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Security Hypothecation of the vehicle purchased. Mode of disbursement Loan disbursed directly to the authorized dealer. Process Fees Two wheeler- Rs. 500/Four wheelers: For loans upto Rs. 2.50 lacs, Rs. 1,000/-. For loans above Rs. 2.50 lacs to Rs. 7.50 lacs, Rs. 1,500/For loans above Rs. 7.50 lacs, Rs. 2,500/-. Repayment Upto 60 EMIs (For new vehicles) & upto 36 EMIs (For old Vehicles).

Dena Consumer Durable Loan

Move up in life with Dena Consumer Durable Loan Now , it's so easy to improve your lifestyles. And turn your home into a smart, modern one with all the conveniences you can imagine. Be it a Laptop, Washing Machine, Microwave, Fridge, TV, DVD Player, Music System, AC, Modern Furniture, Cooking Range, PC, Fitness Equipment or even a Mobile Handset. Just take a Dena Consumer Durable Loan and move up in life. You are eligible if: You have sufficient repayment capacity. Also, your spouse's income can beclubbed to enhance your eligibility. Loan Amount Upto Rs. 1 lakh Margin 20% Rate of Interest

Please Check out the Interest Rates Section to find latest Interest Rates applicable. INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Repayment Upto 36 EMIs. Mode of Disbursement Payment will be released to the dealer against proforma invoice. Security Hypothecation of consumer durables purchased. Process Fees * Upto Rs. 25,000/-- Rs.250/* Above Rs. 25,000/-- Rs.500/-

Dena Trade Finance Scheme

You are eligible if: You are a commodity trader, stockist or dealer registered under sales tax. You are a permanent resident of the city (If not permanent resident, property offered as collateral security is in your name and located at the same location). Loan Amount Minimum- Rs. 2.50 lakhs Upto- Rs. 200 lakhs CC Limit upto 20 % of your projected turnover. Non-fund based limits upto 25% of eligible limit on the basis of projected turnover Term Loan upto 20% of working capital eligibility

In case of disruption of the working capital cycle, 40 % of collateral security can be included to calculate Drawing Power. Nature of Limit Cash Credit (hypothecation), Term Loan (Secured), Non-fund based limits (Bank Guarantee & LC) Margin CC Hypothecation - 25% stock, 50% of book debts Non-fund based limits (BG & LC) - 25% Term Loan - 25% Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable

INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Security CC limit : Hypothecation of Stock and Book Debts Term Loans : Hypothecation of security created out of term loan Equitable mortgage of immovable property or any other liquid assets (other than equity shares, debentures) with minimum realisable market value of 100% of sanctioned limit as collateral Process Fees CC Hypothecation - As applicable for normal CC / Hypothecation account Term Loan - 1.25% of the limit sanctioned. At the time of review, review fees of 0.10% of the outstanding amount Commission on Non-fund based limits (BG & LC) to be charged as per Bank's extant guidelines.

Commitment Charges as applicable for normal CC Hypothecation accounts as prescribed in Loan Policy. Repayment CC limit / Non-fund based limit : To be reviewed on yearly basis Term Loan : 5 years (maximum)

Dena Mortgage Loan Scheme

Make your idle property work for you

If you have free hold, un-encumbered, non-agricultural property, residential or commercial- you can fulfill all your needs with Dena Mortgage Loan. Be it to finance a marriage, higher education, a foreign trip or medical treatment.

You are eligible if: You are 21 years of age. You are a salaried individual, professional, self-employed, agriculturist. You are an income tax assessee for at least 2 years. Your net monthly income is at least Rs. 12,000/-. Income of spouse (co-applicant) can be clubbed for enhanced eligibility. Loan Amount Minimum- Rs. 2 lakhs Upto- Rs. 300 lakhs Margin 50% Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable INTEREST CHARGED ON DAILY REDUCING BALANCE Security Equitable mortgage of the property. Process Fees 1% of the sanctioned limit Repayment Upto 84 EMIs Prepayment Charges 0.50% of the sanctioned amount.
Dena Senior Citizen Pensioners Loan Scheme

You are eligible if: You are a pensioner of the State Govt., Central Govt. or PSU. You are an ex-staff member with a pension account. Loan recovery period is not extending beyond 75 years of age. Your take home pension is not less than 60% of your monthly pension after deduction of the loan installment. Loan Amount

Up to 6 months pension or rs.50,000/-, whichever is less. Margin NIL Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Security NIL Process Fees NIL Repayment Upto 24 EMIs Guarantee Simple! Spouse or nominee appointed for the pension account or any other family member or third party acceptable to the bank can guarantee the account.
Dena Rent Scheme (Finance against Rent receivables)

Good news for Landlords Now, landlords can make their property earn more money by availing Dena Rent Scheme against their rent receivable. You are eligible if: You are a landlord- an individual, corporate, trust or anybody who has given their property on rent to banks, FIs, PSUs or reputed companies. Loan Amount Minimum- Rs. 1 lakh Upto- Rs. 500 lakhs Margin 10% of present value of net rentals Rate of Interest Please Check out the Interest Rates Section to find latest Interest Rates applicable INTEREST CHARGED ON DAILY REDUCING BALANCE NO PREPAYMENT CHARGES Security Equitable mortgage of property. Process Fees

0.50% Repayment Upto 120 EMIs or residual lease period whichever is less