Dena Bank India

One of the oldest nationalized banks in the country Dena Bank, since its inception, has been well-known in the field of banking and financial solutions. The bank is trusted by thousands of customers around the country.

Dena Bank’s customers enjoy financial stability as well as good rate of interests on loans, term deposits, recurring deposits and savings accounts.

Growth of Dena Bank

Dena Bank was established on 26th May, 1938, initially under the label of Devkaran Nanjee Banking Company. It became a public bank in the year 1969.

In the current market scenario, the bank has a good reputation and decent market share. Today, it boasts of almost 150 ATMs and 240 branches across the country.

The bank has provided 1.8 lakh debit cards to customers till date, and, gradually, they are adopting the modern banking standards by issuing ATM-cum-debit cards that can be swiped and used across shopping malls, restaurants and departmental stores. Gone are the days of those old ATM cards that were wives only to ATMs and couldn’t be swiped across shopping counters or used for web commerce.

The World Bank has provided technological training as well as expertise to Dena Bank for upgrading their services.

Services and Facilities Offered

Dena Bank offers all the services offered by most of the nationalized banks, including but not limited to -

  • Personal Banking

  • Financial facilities

  • Corporate Banking

  • NRI services

  • Core banking solutions

  • Loans and credits

Dena Bank India provides various schemes to its customers in Personal Banking that offers them higher returns. The popular schemes include -

  • Deposit schemes

  • Dena Niwas

  • Dena Vidya Laxmi

  • Dena Maha Tax Bachat

  • Dena Cash certificates

Dena Bank Branches

One of the major upgrades in the services offered by Dena Bank is the introduction of Electronic Fund Transfer over the Internet. Customers can avail benefits of intra-bank, inter-bank and inter-city fund transfer in all major cities like -

  • Kolkata

  • Chennai

  • Bangalore

  • Mumbai

  • Guwahati

  • Nagpur

  • New Delhi

  • Hyderabad

  • Bhubaneswar

Dena Bank Loans

Customers can avail different loans from Dena Bank. Let’s take a look at them, one after the other.

  1. Education loan
    Education loans are provided to students who are interested in pursuing education in India as well as abroad. Up to Rs. 10 lakhs of education loan can be availed to study in India, and up to Rs. 20 lakhs for studying abroad. Rate of interest goes up by 1 percent for loan amounts exceeding the Rs. 4 lakh-mark.

  2. Mortgage Loan Scheme
    You can fulfill your needs with mortgage loan schemes from Dena Bank. The minimum loan amount that can be availed is Rs. 2 lakhs, and the maximum loan amount is Rs. 300 lakhs (i.e. Rs. 3 crores). The base rate of interest will be 10.70% and it would vary with the exact amount and the loan tenure.

  3. Pensioners’ Loan Scheme for Senior Citizens
    To avail this loan scheme, one should be a pensioner of state or central government. Loan amount will be 60 percent of the pension amount. Interest is charged on reducing balance, and there are no prepayment charges.

  4. Krishi Sakh Patra
    Dena Bank has begun with credit facility in rural sector, and has named it as ‘Dena Krishi Sakh Patra’.

  5. Auto Finance Scheme
    Customers can avail auto loans as high as Rs. 8 lakhs and as low as Rs. 50,000. One can get loans for new as well as used vehicles, and the rate of interest varies with the segment of vehicle, its ex-showroom price and loan tenure.

  6. Consumer Durable Loans
    You can now avail loans to improve your lifestyle with the consumer durable loans offered by Dena Bank. You can also club your spouse’s income to seek higher loan eligibility. You can get loans up to Rs. 1 lakh. However, based on your credit score, higher loan amounts can also be sanctioned.

Dena Bank offers various debit cards:

  • Dena ATM Card (were issued until ATM-cum-debit card were introduced)

  • Dena ATM-cum-DEBIT Card (which is referred to as just Debit Card now)

  • Gold Debit Card, and

  • Dena Insta Card

Credit Cards

Dena Bank India offers credit cards to customers belonging to varied income levels. These credit cards can also be used in Nepal, and not just in India, unlike most other banks’ credit cards which can’t be used in Nepal and Bhutan. The benefits associated with Dena Bank credit cards are:

  • Insurance Coverage for Lost Baggage

  • Medi-Claim Insurance

  • Accident Insurance Cover

  • insurance Coverage for Loss of Goods




Head Office - Mumbai






C-10, G Block,


Sona Towers

Bandra-Kurla Complex

1st Flr. 71,

Bandra [E].

Millers Rd.

Mumbai- 400 051

Banglore - 560052

Phone:(022) 26545035

Phone: 91-80-22257240






32, Venktesan Street

4th Floor,


Bank of Baroda Building

Chennai - 600 017

16 Parliament Street,

Phone:91 - 44 - 24359716

New Delhi - 110001

Phone: 91-11-23719682



Madhav Chembers I,


Senapati Bapat Marg

Shivaji Nagar

Pune - 411016

Phone: 91-20-25654322