DCB Bank Current Account – Complete Guide 2026 (Classic & Elite)

Aarav runs a boutique in Mumbai, and last month, his online sales touched ₹500,000. Payments from customers flow in daily, ranging between ₹2,000 to ₹25,000 per order, but managing them has become a hassle. Aarav also needs to pay 4 to 6 suppliers each week, restock inventory worth ₹150,000 monthly, and pay his staff of 5 employees.

His personal savings account allows only 10 transfers per day and has a daily transaction limit of ₹100,000, making it tough to manage his business cash flow efficiently.

A fellow business owner suggests a DCB Bank Current Account. Aarav checks its features and finds unlimited transactions, daily transaction limits up to ₹5,000,000, real-time fund management, and tailored business tools—exactly what he needs.

Overview of DCB Bank

DCB Bank is a cutting-edge, developing private-sector bank with branches nationwide. It is a scheduled commercial bank supervised by the Reserve Bank of India. DCB Bank specializes in pioneering products and services and focuses particularly on small and medium enterprises (SMEs) and retail segments. Technology-centric solutions and quality customer relationship-building are highlighted with a mission for seamless banking operations.

Importance of Current Accounts for Professionals and Businesses

For professionals and businesses, a current account is a vital tool that is more than just simple banking. It is the financial lifeblood of their operations, providing several important benefits:

• Enables High Transaction Volumes: Current accounts can process a high volume and value of transactions, unlike savings accounts, which is necessary for the day-to-day operations of any business.
  
  
• Segregation of Business and Personal Funds: Having a separate current account helps to ensure segregation between business and personal money, making accounting, tax, and financial analysis easier.
  
  
• Availability of Business-Oriented Features: Current accounts tend to be associated with business-oriented features, including overdraft limits, payment gateway integrations, bulk payment features, and trade finance solutions (although individual availability must be confirmed with DCB Bank).
  
  
• Improve Professional Image: Having a separate current account for business transactions brings an element of professionalism to the business, which creates confidence among clients and suppliers.
  
  
• Effective Cash Flow Management: Current accounts allow businesses to effectively manage their inflows and outflows, ensuring they have enough funds for operational requirements.
  
  Read More – DCB Bank Minimum Balance
  
  

Types of DCB Bank Current Accounts

Based on the information available on the DCB Bank website, they offer the following main types of current accounts:

• DCB Business Saver Account: A unique account designed for individuals and proprietorships that automatically transfers surplus funds to a linked savings account to earn interest.
  
  
• DCB Elite Current Account: A premium account offering the unique feature of allowing customers to choose their account number, along with other benefits.
  
  
• DCB Classic Current Account: A standard business account designed for individuals and businesses seeking convenient everyday banking with a reasonable minimum balance requirement.
  
  
• DCB RERA Current Account: A special-purpose account designed to comply with the regulations of the Real Estate (Regulation and Development) Act, 2016.
  
  

Key Features of DCB Bank Current Account

The key features vary depending on the specific type of DCB Bank Current Account chosen. Here's a breakdown based on the information provided for each account:

DCB Business Saver Account:

• Automatic transfer of funds above ₹25,000 to a linked savings account to earn interest.
• Seamless management with a combined balance reflected in the Current Account statement.
• Free monthly cash deposit and withdrawal limit of 3 times the previous month’s average balance (Current Account + linked Savings Account).
• Free Any Branch Banking across DCB Bank branches.
• Free Demand Drafts / Pay Orders up to ₹10 Lakh per month.
• Free 50 leaves payable at par chequebook per month.
• 5 free ATM withdrawals per month at any Visa ATM in India.
• Free DCB Business Internet Banking and DCB Mobile Banking App.
• Cash Management Services at a nominal cost.
  
  

DCB Elite Current Account:

• Option to personalise the last 8 digits of the 14-digit account number.
• Cash deposit and withdrawal limit up to 3 times the previous month's average balance.
• DCB Debit Card – Choice of Visa or Rupay.
• Free payable at par chequebook (number of leaves not specified).
• 5 free ATM withdrawals per month at any Visa ATM in India.
• Free DCB Business Internet Banking and DCB Mobile Banking App.
  
  

DCB Classic Current Account:

• Free monthly cash deposit and withdrawal limit of 3 times the previous month’s average balance.
• DCB Debit Card – Choice of Visa or Rupay.
• Free 25 leaves payable at par chequebook per month.
• 5 free ATM withdrawals per month at any Visa ATM in India.
• Free DCB Business Internet Banking and DCB Mobile Banking App.
• Free SMS alerts.
• Free Email statement of accounts.
  
  

DCB RERA Current Account:

• Designed specifically for RERA compliance, with a dedicated Master Collection Account (MCA 100%), Project RERA account (PRA 70%), and Project Transaction Account (PTA 30%).
• Nil charges for opening.
• RERA account in the name of the project.
• Disbursement into the Project RERA Account (PRA 70%).

Benefits of DCB Bank Current Account

Opening a DCB Bank Current Account can offer several advantages for businesses and professionals:

DCB Bank Current Account Charges & Fees

DCB Bank offers a range of current accounts tailored to meet diverse business needs, each with specific features, charges, and fees. Below is a summary of the key charges associated with various DCB Bank current accounts:

Additional Charges:

• Cash Deposit in Lower Denominations (Below ₹100) and Coins: Charges may apply; please refer to the specific account's schedule of charges
• Cheque Deposited & Returned Unpaid (Financial Reason): ₹150 per instrument. 
• Outstation Cheques: ₹150 per instrument. ​
• Fund Transfer Within DCB Bank: Free.

Also Read - DCB Bank Debit Card
 

DCB Bank Current Account Eligibility & Required Documents

The eligibility criteria and required documents for opening a DCB Bank Current Account would depend on the type of business entity. Generally, the following entities are likely to be eligible:

• Individuals
• Sole Proprietorships
• Partnership Firms   
• Private Limited Companies
• Public Limited Companies
• Limited Liability Partnerships (LLPs)
• Trusts and Societies (eligibility for specific account types may vary)

The required documents include:

• For all entities:

  
  

  • Account Opening Form (duly filled and signed)
  • PAN Card of the entity and authorised signatories
  • Address Proof of the entity and authorised signatories
  • Identity Proof of authorised signatories

  • Passport-sized photographs of authorised signatories

    
    

• For Companies:
  
  
  • Certificate of Incorporation
  • Memorandum and Articles of Association (MOA & AOA)
  • Board Resolution authorising the opening and operation of the account
  • Tax Identification Number (TIN) or GST registration
    
    
• For Partnership Firms:
  
  
  • Partnership Deed

How to Open a DCB Bank Current Account?