2K+
Home Loan
RBL Bank Limited, headquartered in Mumbai, is a fast-growing private sector bank in India, trusted for digital banking, prudent lending practices, and transparent retail home loan solutions.
Availing Loan
NEVER BEEN SO EASY
Research & Explore
An online quote is an estimate of the cost of a product or service provided
Comparison Tools
Picking a product refers to the process of selecting a specific from a range
Reviews & Feedback
Product packaging refers to the materials and design used to protect
Secure Your Loan
Product transport refers to the process of moving products from one location
⭐ RBL Bank Home Loan Types & Key Features
RBL Bank offers clear, purpose-driven home loan options suitable for different borrower needs — from first-time buyers to balance transfer seekers.
📊 Home Loan Types, Interest Rates & Features
| Home Loan Type | Floating Interest Rate* | Fixed Interest Rate* | Maximum Tenure | LTV | Loan Amount |
|---|---|---|---|---|---|
| Regular Home Loan | 8.90% – 10.75% p.a. | 11.50% – 12.75% p.a. | Up to 30 years | Up to 90% | ₹5 lakh – ₹5 crore |
| Self-Employed Home Loan | 9.25% – 11.25% p.a. | 12.00%+ | Up to 25 years | Up to 80% | ₹10 lakh – ₹3 crore |
| NRI Home Loan | 9.75% – 11.75% p.a. | Case-based | Up to 25 years | Up to 75% | ₹25 lakh – ₹2.5 crore |
| Balance Transfer | 8.90% – 10.50% p.a. | — | Remaining tenure | As per policy | ₹10 lakh+ |
| Home Loan Top-Up | 9.75% – 12.50% p.a. | — | Up to 20 years | Based on property | ₹5 lakh – ₹1 crore |
*Rates are indicative and depend on credit score, income stability & property profile.
✨ PoketCare Pro Tip
RBL Bank offers better LTV for strong salaried profiles — especially government, PSU and MNC employees.
🧭 Which RBL Home Loan Fits Which Borrower?
Choosing the right loan type improves approval chances and lowers EMI stress.
🎯 Borrower-Loan Match Guide
- 👨💼 Salaried professionals: Regular Home Loan
- 🧑💼 Business owners / consultants: Self-Employed Home Loan
- 🌍 NRIs investing in India: NRI Home Loan
- 🔁 High-interest existing loan: Balance Transfer
- 🏠 Renovation or extra funds: Top-Up Loan
✨ PoketCare Pro Tip
If your salary has variable components (bonus/incentives), RBL may still consider them with proper bank proof.
🛡️ Home Loan Insurance Recommendation
Protecting your home loan ensures your family remains financially secure even during uncertainties.
✅ Recommended Insurance Plans
- HDFC Life Group Credit Protect
- ICICI Prudential Home Loan Shield
- Tata AIA Loan Suraksha
✨ PoketCare Pro Tip
Always opt for reducing balance insurance — it lowers premium cost and aligns with your outstanding loan.
👥 Ideal Borrowers & Eligibility Criteria
RBL Bank follows a structured yet practical approach to eligibility.
✔ Eligible Applicants
- Salaried individuals
- Self-employed / business owners
- Professionals (CA, Doctors, Architects, Consultants)
- NRIs / PIOs
- Co-applicants allowed (spouse, parents)
📋 Eligibility Snapshot
- Age: 21–65 years (loan maturity)
- Minimum CIBIL Score: 700+ preferred
- Stable income & employment/business continuity
- Approved & legally clear property
➕ Other Incomes Considered
- Rental income
- Bonus & performance incentives
- Co-applicant income
- Interest & investment income
✨ PoketCare Pro Tip
Adding a working spouse as co-applicant significantly boosts eligibility and reduces interest rate slabs.
📑 Documents Checklist – Clear & Simple
RBL Bank documentation is straightforward when prepared correctly.
📄 Required Documents
| Borrower Type | KYC Documents | Income Proof | Property Documents |
|---|---|---|---|
| Salaried | Aadhaar, PAN, Address proof | Salary slips (3 months), Bank statements (6 months), Form 16 | Sale agreement, Approved plan, Title deed |
| Self-Employed | Aadhaar, PAN, Business proof | ITR (2–3 years), Bank statements, GST (if applicable) | Chain agreement, Legal & valuation reports |
| NRIs | Passport, Visa, Overseas address proof | Salary slips / Contract, NRE/NRO statements | Indian property ownership documents |
✨ PoketCare Pro Tip
Clean bank statements with regular credits matter more than just high ITR numbers.
All Charges – Pre & Post Disbursement
Transparency helps you plan your home purchase better.
💸 Charges
| Charge Type | Amount |
|---|---|
| Processing Fee | Up to 1% of loan amount |
| Legal & Technical Charges | ₹5,000 – ₹15,000 |
| Documentation Charges | ₹3,000 – ₹5,000 |
| MODT / Mortgage Charges | As per state law |
| Prepayment Charges | Nil for floating rate loans |
| EMI Bounce Charges | ₹500 – ₹750 |
| Penal Interest | 2% – 3% monthly |
✨ PoketCare Pro Tip
Processing fees are often negotiable through PoketCare’s lender partnerships.
🌟 Benefits of RBL Bank Home Loan
Designed for borrowers who value speed, clarity and banking discipline.
🎁 Key Advantages
⚡ Faster approval process
📉 Competitive interest rates
🧾 Transparent charges
🏦 Strong salaried borrower focus
🔄 Attractive balance transfer offers
🤝 Reliable private sector bank support
✨ PoketCare Pro Tip
RBL is a strong choice if you prefer bank-backed stability over NBFC flexibility.
🔗 Useful Links for Home Loan Borrowers
- 🔢 EMI Calculator: https://www.poketcare.in/home-loan-emi-calculator
- 📊 Check CIBIL Score: https://www.poketcare.in/check-cibil-score
- 🔁 Balance Transfer Guide: https://www.poketcare.in/home-loan-balance-transfer
- 🏡 Complete Home Loan Guide: https://www.poketcare.in/home-loan
🏁 Conclusion
RBL Bank Home Loan is ideal for disciplined borrowers seeking transparent pricing, strong banking support and predictable approval processes. With PoketCare’s AI + human expertise, you get smarter comparisons, better negotiation and stress-free disbursement.