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Ratnakar Bank

Business Loan

RBL Bank Business Loans are a perfect solution to service your short-term finance and working capital requirements. With RBL Bank at your service, you can focus on growing your business while we take care of financing your business expansion needs.

Product Features
  • Loan amount from Rs. 10 Lakhs upto Rs. 35 Lakhs
  • Convenient loan repayment option of 12 to 36 months
  • No security or collateral required to avail this loan
Eligibility & Loan Criteria
  • Business Loans can be availed by self-employed individuals, self-employed professionals, sole proprietorships, partnership firms and private limited companies (including closely-held public limited companies), with a profitable business for the past 3 years.
  • Applicant’s age should be minimum 27 years at the time of application and maximum 65 years at loan maturity.
  • Minimum 5 years of experience required in the same line of business with at least 3 years of business establishment & operation in the same city. For self-employed professionals, minimum 4 years of post-qualification experience is required.
  • Minimum business turnover required is Rs. 1 Crore and for Professional / Service Sector, applicant’s gross receipts should be at least Rs. 60 Lakhs.
  • Applicant must own either residence or office in his name or jointly with family members or resides in a residence owned by an immediate family member.

Mortgage Loan

Realise your dreams through RBL Bank Loan Against Property. Whether you are salaried or self-employed, RBL Bank Loan Against Property helps you to realise the true value of your property to meet your business and personal needs.

Product Features
  • Loan amount of upto Rs. 10 Crores
  • Convenient loan repayment option of upto 180 months
  • Both residential and commercial property accepted as collateral
  • Minimal documentation and faster approvals
  • Attractive interest rates
  • Fixed rate for first three years available
Eligibility & Loan Criteria
  • Loan Against Property can be availed by salaried individuals, self-employed individuals, self-employed professionals, sole proprietorships, partnership firms and private limited companies (including closely-held public limited companies.)
  • Loan Against Property can be offered to Indian Residents only.
Salaried Individuals
  • Minimum gross salary of Rs. 150,000 per annum..
  • Minimum age at loan sanction – 23 years. Maximum age at loan maturity – lower of 60 years or retirement age.
Self-Employed Individuals and Professionals
  • Minimum net profit as per latest year ITR / Financials of Rs. 150,000.
  • Minimum age at loan sanction – 23 years. Maximum age at loan maturity – 65 years.

Personal Loan

RBL Bank offers Personal Loans to Salaried resident individuals in order to meet immediate cash requirements. Now, lead life the way you want with flexible and quick loan options.

Product Features
  • Loan amount from Rs.1 Lakh up to Rs.20 Lakhs.
  • Convenient loan repayment option of 12 to 60 months.
  • No security or collateral required to avail this loan.
  • Simplified and quick documentation
  • Attractive interest rates
  • Hassle-free loan sanction and disbursal procedure
Eligibility & Loan Criteria
  • Minimum net monthly income of Rs. 25,000 per month
  • Minimum age at loan sanction – 25 years. Maximum age at loan maturity - lower of 60 years or retirement age.
  • Work Experience of minimum 1 year at current employment and 3 years of total employment experience.

Home Loan

Own your dream home with RBL Bank Home Loans. RBL Bank offers home loans with easy documentation and faster processing so that you can own your dream house without any delays. RBL Bank also offers the “Easy Home Loan” product which helps you save interest on your home loan and repay your loan faster.

Product Features
  • Home Loans of upto Rs. 10 Crores
  • Flexible tenure of upto 25 years
  • Minimal documentation and faster approvals
  • Easy Home Loan available wherein you can save interest by maintaining balance in a linked account
Eligibility & Loan Criteria
  • Home Loan can be availed by salaried Individuals, self-employed individuals and self-employed professionals.
  • Home Loan can be offered to Indian Residents only.
  • Salaried Individuals
    • Minimum net income of Rs. 120,000 per annum.
    • Minimum age at loan sanction – 24 years. Maximum age at loan maturity – 60 years or super-annuation whichever is early.
    • Work Experience of minimum 1 year at current job and 2 years of total experience. If current job is less than 1 year, then 3 years of total experience required.
    • Self-Employed Individuals and Professionals
      • Minimum net annual income as per latest year ITR / Financials of Rs. 150,000.
      • Minimum age at loan sanction – 24 years. Maximum age at loan sanction – 65 years.
      • Business continuity of last three years in the same field.
  • Work Experience of minimum 1 year at current employment and 3 years of total employment experience.