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RBL Bank Home Loan

RBL Bank offers home loans of upto Rs 10 crore @ 8.20% p.a. onwards for tenures of up to 25 years. It also offers special home loans for affordable housing, including for those receiving their salaries in cash. To know more about RBL Home Loans, read below.
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Lowest interest rates starting from 7.1%

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5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 8.20% p.a.

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Additional Funds when Required

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HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
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How Can I Apply for a Home Loan Online?

Get up to 5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

RBL Bank Home Loan Highlights

Interest Rate 8.20% p.a. onwards
Loan Tenure Up to 30 years
Loan Amount Up to Rs. 15 crore
Processing Charges Up to 1.5% of the loan amount or up to Rs 15,000, whichever is higher + GST

Note: Interest rates as of 4th February 2026

RBL Bank Home Loan Interest Rates

Paisabazaar offers RBL Bank home loan interest rates starting from 8.20% p.a. However, the rate of interest at which RBL Bank will approve the home loan will depend on various parameters such as credit score, loan amount, type of employment, etc.

Customer Profile Interest Rate (% p.a.)
Salaried Individuals 8.20% – 14.35%
Self-employed Individuals 8.35% – 14.75%

Comparison of RBL Bank Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.00% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.60% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.45% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.50% p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.50% p.a.

*when applied through Paisabazaar

Rates as of 4th February 2026

RBL Bank Home Loan Processing Fee and Other Charges

Particulars Charges
Processing fees For loans up to Rs 30 lakh: Up to 1.5% of loan amount or Rs 10,000, whichever is higher
For loans above Rs 30 lakh: Up to 1% of loan amount or Rs 15,000, whichever is higher
Application fees  Rs 5000
Charges for late payment of EMI 2% additional interest per month on the overdue amount
Issue of Duplicate Interest & Principal Certificate Rs. 250 per instance
Duplicate no due certificate / NOC Rs.250 per instance
Repayment mode swap charges Rs. 500 per instance
Cheque / ECS / NACH Dishonour Charges Bounce Rs. 500 per instance
Charges for CIBIL report Rs.100 per instance
Changes & Rate switch charges 0.5% on principal outstanding

Also check home  loan processing fee by top banks and HFCs.

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Types of RBL Bank Home Loan

RBL Bank Home Loan

  • Borrower Profile: Indian Residents only
  • Purpose: It is a regular home loan scheme availed for financing costs incurred during house purchase and construction. Individuals seeking loan for home extension, renovation and repair can also avail this scheme. Home Loan Balance Transfer facility is offered to existing home loan borrowers for transferring their existing home loans from other banks/HFCs to RBL Bank at lower interest rates.
  • Loan Tenure: Up to 25 years
  • Loan Amount: Up to Rs. 10 crore

RBL Bank Affordable Home Loan

  • Borrower Type: Resident Indians only
  • Purpose: This home loan scheme can be availed for purchasing or constructing a new house/flat. The home loan product is also for those needing loan for house renovation/improvement, repair or extension.
  • Loan Tenure: Up to 30 years (for home loans) and 15 years (for top-up loans)
  • Loan Amount: Up to Rs. 30 lakh

RBL Bank Home Loan Eligibility Criteria

  • Salaried Individuals, Self-employed Individuals, and Self-employed Professionals
  • Indian Residents only

Income Criteria

For RBL Bank Affordable Home Loan

Should have net salary / net business income of at least Rs. 7,000 per month

For RBL Bank Home Loan

For Salaried Individuals:

  • Minimum net income of Rs. 1.2 lakh p.a.

For Self-Employed Individuals and Professionals:

  • Minimum net annual income as per latest year ITR/Financials of Rs. 1.5 lakh

Age Limit

For RBL Bank Affordable Home Loan

  • Maximum age for salaried at time of loan maturity: 60 years
  • Maximum age for self-employed at the time of loan maturity: 65 years

For RBL Bank Home Loan

For salaried:

  • Minimum age at loan sanction: 24 years
  • Maximum age at loan maturity: 60 years or super-annuation, whichever is early

For self-employed:

  • Minimum age at loan sanction: 24 years
  • Maximum age at loan sanction: 65 years

Work Experience/ Business Continuity

For Salaried Individuals:

  • Work experience of minimum 1 year at current job and 2 years of total experience. If the current job is less than 1 year, then 3 years of total experience is required.

For Self-Employed Individuals and Professionals:

  • More than 3 years of business continuity in the same field

While the RBL Bank has not stated the minimum credit score requirements for availing home loans, lenders usually factor-in the applicants’ credit score for evaluating their home loan eligibility. Note, home loan applicants having credit scores of 750 & above have higher chances of home loan approval and at lower interest rates. In case, you are new to credit or have credit scores of less than 750, you can build or improve your credit score by using a secured credit card issued against fixed deposits.

RBL Bank Home Loan Documents Required

For Salaried Individuals

  • Duly filled in and signed the application form with photographs
  • Identity, address, and age proof
  • Salary slip of  last 3 months
  • Bank statement of the past 6 months
  • Form-16 and Income Tax Returns (ITR) details
  • Title documents of the property

For Self Employed Individuals

  • Duly filled in and signed application form with photographs
  • Identity, address, and age proof
  • ITR and financial statements, including balance sheet, profit & loss account, schedules. (documents must be certified by a CA)
  • Bank statement of the past 12 months
  • For partnership firms: Latest partnership deed
    For companies: Latest Memorandum and Articles of Association (CA certificate on profit sharing ratio/list of directors/shareholding partnership)
    For Limited Liability Partnership: LLP Agreement
  • Title document of the property along with business address proof

Also Read: Documents required for home loan

How Can I Apply for a Home Loan Online?

Get up to 5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Get a Home Loan For
Your Dream Home

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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