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Lakshmi Vilas (DBS legacy) Last updated2026-05-28

Lakshmi Vilas (DBS legacy) EMI Calculator 2026 rates.

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Quick answer

Lakshmi Vilas (DBS legacy) home loan rate starts at 8.85% (typical 9.25%) as of 2026. A ₹50 lakh loan at 9.25% over 20 years = an EMI of approximately ₹45,793/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Lakshmi Vilas (DBS legacy) loan rates (May 2026)

🏠 Home Loan

8.85–11%

typical: 9.25% p.a.

💵 Personal Loan

11–17.5%

typical: 13% p.a.

🚗 Car Loan

9.05–11.85%

typical: 9.65% p.a.

💳 Processing Fee

0.50-1% of loan amount (min ₹5,000) for home loans.

🔁 Prepayment

Zero on floating-rate retail home loans.

About Lakshmi Vilas (DBS legacy)

Why choose Lakshmi Vilas (DBS legacy)?

DBS Bank India (formerly Lakshmi Vilas Bank, merged with DBS in November 2020 under RBI direction) is Singapore-headquartered DBS Group's Indian subsidiary. The 2020 merger followed Lakshmi Vilas Bank's severe asset-quality stress and was India's first amalgamation of a private-sector bank with a foreign bank's Indian subsidiary. DBS India operates about 580 branches with strong Tamil Nadu, Karnataka, Andhra Pradesh presence (legacy LVB) plus DBS's metropolitan presence in Delhi, Mumbai, Bangalore.

🎯 Unique angle

DBS India offers a unique hybrid of: (1) legacy Lakshmi Vilas Bank's deep Tamil Nadu and South India tier-2/3 community banking presence, (2) DBS Group's digital-first banking technology and Singapore-banking-standards customer experience. For Tamil Nadu and South Indian buyers preferring digital-native banking experience with mid-tier private bank rates, DBS India offers a distinctive value proposition between national private banks (HDFC/ICICI) and regional private banks (KVB, TMB, CUB).

Product highlights

✓ DBS Home Loan: 8.85-10.0% with digital-first application
✓ DBS NRI Home Loan: Singapore corridor focus
✓ DBS Personal Loan: pre-approved digital flow
✓ DBS Treasures (HNI tier): negotiated home loan rates for ₹1cr+ AUM
✓ DBS Plot Loan: standalone plot financing in TN/AP/Karnataka

❓ Lakshmi Vilas (DBS legacy) FAQ

Common questions.

DBS India after Lakshmi Vilas Bank merger — what changed?

In November 2020, RBI directed DBS Bank India to acquire Lakshmi Vilas Bank (LVB) after LVB's severe asset-quality stress (gross NPA >25%) made it unviable as a standalone entity. The merger was India's first scheme of amalgamation involving a foreign bank's Indian subsidiary acquiring a domestic private-sector bank. Post-merger: LVB depositors became DBS India customers seamlessly with no impact, branches kept operating, and DBS invested ~₹2,500 crore in additional capital. DBS India operates as a fully-licensed scheduled commercial bank with DICGC ₹5 lakh insurance.

DBS Bank India for Tamil Nadu / South India home loan?

DBS Bank India's legacy Lakshmi Vilas branch network gives it deep South Indian presence — particularly Tamil Nadu (200+ branches), Karnataka, and Andhra Pradesh. For Tamil Nadu mainstream salaried home loans: DBS offers competitive rates (8.85-9.85% range), strong digital application flow (Singapore-banking-standard), and processing in 7-10 days. Rate is typically 25-40 bps above PSU lenders (Indian Bank) but DBS offers superior customer experience for digital-native customers.

DBS Treasures HNI banking — home loan benefits?

DBS Treasures is DBS India's HNI banking tier (₹25 lakh+ AUM eligibility, ₹1 crore+ for Treasures Private). Treasures customers get: (1) negotiated home loan rates typically 25-40 bps below standard, (2) dedicated relationship manager handling property due-diligence, (3) Singapore-side banking integration for Indian-origin Singapore residents. For Singapore-NRI Indian customers buying Indian property: DBS India's SGD-INR corridor handling is best-in-class.

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