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Deutsche Bank India Online
Deutsche Bank, headquartered in Germany, is a global banking and financial service provider. The bank established their setup in India in the year 1980, and has more than 7500 employees working across the nation, with its branches operating in 15 main cities of India.
Building on its leading transaction banking franchises and global markets, with over 50 lakh customers, Deutsche Bank India is a fully integrated financial company for Indian Institutional, Corporate and individual clients.
Loans Offered
Just like all the major private sector banks, Deutsche Bank India offers personal loans, home loans, auto loans and loans against mortgages.
Home Loans: If you wish to purchase a new house, DB Home loan is your one-stop solution and there are a wide variety of options at your disposal. The minimum age of the applicant should be 23 years, and the minimum gross-over income should be Rs. 5 lakh. The maximum age limit in the case of salaried people is the retirement age (60 or 62 years) and for self-employed processionals is 65 years.
Loans against Property: Customers can avail this loan against commercial or residential properties. One can get loans up to Rs. 5 crores, and the repayment tenure of the loan may vary from five years to fifteen years. The eligibility criteria remain as stated above.
Personal Loans: Be it a household appliance, family vacation, or your child’s education, personal loan from Deutsche Bank India is the best option to fulfill your dreams. You can apply for the loans, starting from Rs. 50,000 to Rs. 7.5 lakh, and repay it within one to three years. If you feel that the rate of interest is high, you have the option of transferring your loan to bank at the existing rate of interest. You would also be eligible to get an additional loan when you transfer your current loan from any other bank to Deutsche Bank. Personal loans are granted to working professionals who fall in the age bracket of 25-60 years with the monthly take-home salary of Rs. 25,000 or more.
Loans for Business: Whether you need working capital, or you have to buy new equipments, business loans always come in handy. The applicant should meet RBI’s definition of small/medium enterprises. The bank provides loans up to Rs. 25 lakh, without any security.For loans above INR 25-lakh bracket, you need to produce some extra security like immovable properties, stocks, etc.
Cards
Deutsche Bank India offers following major cards to its customers -
Signature Debit Card
Platinum Debit Card
Gold Debit Card
Classic Debit Card
Prepaid Travel Card to enjoy holidays
Services Offered
Home Loan Interest: They provide provisional interest certificate for the existing year and final interest certificate for the last year for all your home loan accounts to seek applicable tax rebates from the Income Tax department.
DB Quick Pay: It is an easy and quick one-click payment process to help you make a host of online transactions.
Deutsche Bank India, in collaboration with Visa (international), allows you to shop online using International Visa debit card (only on those websites that are verified by Visa, of course).
Doorstep Banking: As is the case with most of you, if hectic work schedules keep you tied or if you aren’t blessed with enough time to visit a nearby ATM, Deutsche Bank India provides Doorstep Banking facility, delivering the cash you have demanded to your home or office (at the address given during the time of registration). Cheque pick-up, cheque-drop, and a host of other doorstep banking facilities are also offered by the bank.
Payment Services: Apart from online transactions, Deutsche Bank India provides direct online tax payment services, including payment of income tax, TCS/TDS, advance tax, etc. You can also make payments for utility bills or pay insurance premiums online.
With the use of DB Direct Debit service, you can make online purchases at various e-commerce stores.
Banking Accounts
Personal Account: You can open personal or group accounts for up to 4 members, under one roof. You can also opt for a premium payroll account, with no prerequisite of maintaining a minimum balance.
Business Banking: You can have a special account for your business-related needs; DB Current Trade account gives you specific advantages like swift documentation, vast network and a dedicated relationship manager, etc.
NRI Banking: Deutsche Bank India offers great benefits to NRIs, and it’s certainly a convenient way of managing your overseas account.
