A process for fabricating a capacitor under bit line (CUM), DRAM device, featuring increased capacitance, without increasing the aspect ratio for a dry etched, narrow diameter bit line contact hole, has been developed. The process features increasing the vertical space in a capacitor opening, needed to accommodate a capacitor structure with increased vertical dimensions, via selective removal of the top portions of the polysilicon plug structures exposed in the capacitor openings. The depth of a subsequent bit line contact hole, opened to a non-truncated polysilicon plug structure, is therefore not increased as a result of the increase capacitor depth, thus not resulting in an increased aspect ratio for the dry etched, narrow diameter bit line contact hole.