RBL Bank offers home loans in 2025 with rates starting at 9.00% p.a. for salaried and self-employed individuals. With flexible terms, quick approvals, and minimal documentation, RBL Bank caters to diverse needs like purchasing, constructing, or renovating homes. Rates are tailored according to credit score, loan amount, and tenure to ensure affordability.
RBL Bank Home Loan Interest Rates by Employment
RBL Bank Home Loan Interest rates for 2025 will start from 9.00% per annum for salaried employees and for self-employed borrowers. It is due to income consistency, credit score and repayment ability.
RBL Bank Home Loan Interest Rates for Salaried Employees
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Salaried | 9.00% p.a onwards |
RBL Bank Home Loan Interest Rates for Self Employed
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Self Employed | 9.00% p.a onwards |
RBL Bank Home Loan Interest Rates for NRIs
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For NRIs | 9.00% p.a onwards |
Check Out: Home Loan Eligibility – Salaried vs Self-Employed
RBL Bank All Schemes Home Loan Interest Rates
RBL Bank presents a range of home loan schemes in 2025, with interest rates beginning at 9.00% p.a., designed for salaried, self-employed, and NRI customers. The loans feature flexible tenures, easy documentation, and fast approvals.
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| RBL Bank Housing Loan | 9.00% p.a. onwards |
| RBL Bank Affordable Housing Loan | 9.00% p.a. onwards |
| RBL Bank Loan Against Property | 9.00% p.a. onwards |
| RBL Bank Home Purchase Loan | 9.00% p.a. onwards |
| RBL Bank Home Construction Loan | 9.00% p.a. onwards |
| RBL Bank Home Improvement Loan | 9.00% p.a. onwards |
| RBL Bank Balance Transfer Loan | – |
| RBL Bank Home Extension Loan | 9.00% p.a. onwards |
Check Out: RBL Bank Home Loan Eligibility Calculator
All Schemes Offered by RBL Bank: A Detailed Overview
Explore all the loan schemes offered by RBL Bank home loans, business loans, personal financing and many more planned to suit numerous financial needs through flexible terms.
RBL Bank Housing Loan
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | up to 15 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
RBL Bank Affordable Housing Loan
RBL Bank’s Affordable Housing Loan provides accessible financing with attractive interest rates for low and middle-income homebuyers.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 30 lakhs |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
RBL Bank Loan Against Property
RBL Bank’s Loan Against Property allows borrowers to leverage their property for flexible financing with competitive interest rates.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 15 crores |
| Loan tenure | Up to 15 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
Also Read: Why Choose a Loan Against Property?
RBL Bank Home Purchase Loan
RBL Bank’s Home Purchase Loan offers financing solutions with attractive interest rates to help individuals buy their dream homes.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 30 lakhs |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
RBL Bank Home Construction Loan
RBL Bank’s Home Construction Loan provides financial support with flexible terms to help individuals build their own homes.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 30 lakhs |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
Also Read: Home Loan Tax Benefits Calculator
RBL Bank Home Improvement Loan
RBL Bank’s Home Improvement Loan offers funding with competitive interest rates to help homeowners renovate or upgrade their properties.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 30 lakhs |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
RBL Bank Balance Transfer Loan
RBL Bank’s Balance Transfer Loan allows customers to transfer their existing loans to RBL Bank at lower interest rates, reducing their repayment burden.
| Features | Details |
|---|---|
| Interest rate | – |
| Maximum loan amount | – |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
RBL Bank Home Extension Loan
RBL Bank’s Home Extension Loan offers financing to help homeowners extend or expand their existing properties with flexible repayment options.
| Features | Details |
|---|---|
| Interest rate | 9.00% p.a. onwards |
| Maximum loan amount | Up to 30 lakhs |
| Loan tenure | Up to 30 years |
| Processing fees | 1.5% onwards of the loan amount plus applicable charges |
| Eligibility | New and Existing Bank Customers |
Check Out: Home Loans With Overdraft Facility Calculator
How to Get Lowest and Best Home Loan Interest Rates at RBL Bank
- Check your credit report: the tradeoff is that the higher your score is, the greater chance to qualify for a lower rate of interest.
- Comparison: Rate should be RBL Bank interest rate Compare it with others too.
- Earn steady income to hand it over: it is more vital to be drawing a salary over time.
- Decide to Choose the Best-Wanted Loan: Fixed interest is good because it means relaxation, yet floating rates typically start lower.
- Opt for the higher tenure: The duration of the loan becomes longer so that the EMI decreases while the total amount of interest increases.
- Make Profitable Investment: Cut down the loan amount by major payment options and receive improved rates.
- Express Interest in Special Offers: Especially for the female and RBL Bank account holders, there are no special offers for female customers and RBL Bank account holders presently.
- Get a discount on higher loan amounts: For loans drawn in higher amounts, the predominant factors are what reduction has been given on it.
- Check Loan Attachment: Look to swap or refinance in case of better loan terms available anymore.
- Negotiate on Processing Charges: With reference to some of those charges in terms of variations, you need to bargain out the ‘take-it-or-leave-it’ stance adopted by them.
Check Out: How to Increase CIBIL Score
Factors that Affect RBL Bank Home-Loan Interest Rate
- If you have a good credit score, then you can benefit from the lower interest rates.
- Qualifying for larger loan amounts allows you to enjoy lower interest rates.
- A loan-lasting time of fewer years always yields lower interest for any long-dated deals.
- Employees who receive salaries generally are given the lowest interest rate, in comparison to self-employed people.
- The new loans have added a high rate of property and a lower loan-to-value ratio along with lower rates.
- Locations and survey nature (residential/commercial) of property influences that rate for home loans.
- Home Loans directly affected by the repo rates of The Reserve Bank of India.
- For long-time clients, RBL Bank offers special rates, better than the lowest published rate.
- LOW LTV ratios get more favorable at imposing lower interest rates.
- Loan Rates are comfortably affected by Economic factors like Inflation and Housing Markets.
Check Out: CIBIL Score Check Free Online by PAN Number
Types of Home Loan Interest Rates
| Interest Rate Type | Definition | Pros | Cons |
|---|---|---|---|
| Fixed | Rate remains constant throughout a predetermined period or entire tenure. | – Predictable EMIs for budgeting – Protection against rising interest rates | – Typically higher rates compared to floating – No benefit if market rates go down |
| Floating (Variable) | Linked to market benchmarks (e.g., Repo Rate, MCLR) and changes over time | – Often cheaper when rates fall – Can partly or fully prepay with lower penalties | – EMIs fluctuate with market conditions – Costs may rise if rates increase |
Also Read: Choosing Home Loans: Fixed vs Floating Interest Rates
How is RBL Bank Interest Rates Calculated
RBL Bank calculates its home loan interest rates after analyzing certain key elements:
- Benchmark Rate: Based on the RBI guidelines and market conditions, RBL Bank uses either MCLR or EBLR.
- Spread or Markup: An individual and the type of loan granted it determines the spread added by RBL Bank.
- Credit Score: A higher credit rating often translates into lower interest rates.
- Type and Term of Loan: Other factors such as the loan type also play a key role in determining interest.
- Loan-to-Value (LTV) Ratio: A higher LTV ratio is likely to result in higher interest rates.
- Economical Factors: How interest rates swing given the current circumstances; inflation will help you understand how these factors will influence such borrowing rates as the Repo Rate set by the RBI.
- Loan Amount: Higher loan amounts can help avail better interest rates, but this insight is subjective to how lenders perceive your risk grade.
How to Switch my RBL Bank home loan from Fixed to Floating Interest Rates?
Migrate from a fixed interest rate to a floating home loan interest rate from RBL Bank:
- Check Eligibility: Your loan account should be eligible to be converted. Subject to some terms and conditions in your existing loan agreement.
- Please get in touch with RBL Bank: Contact the customer care or your relationship manager from RBL Bank requesting the switch from fixed to floating rate.
- Just Fill up the Form: Sometimes it is required to fill a formal request for beginning the conversion process physically or via an online submitted form.
- T&Cs will follow: The terms will follow about the prevailing floating rates, charges, and the re-definition of loan tenure or Emi Post-after discussion.
- What you are to know: You have to be cautious about the charges that may apply during the conversion like the processing fees or administrative charge or both even.
- Sign the Agreement: Sign a formal document if the conversion is approved to switch in reality to floating rates.
- Wait for Confirmation: RBL Bank will acknowledge the request after completion and put your home loan under the floating interest rate.
How to Obtain RBL Bank Home Loan Interest Certificate
Time needed: 2 minutes
- Visit RBL Bank Website
- Log in to your internet banking account using your credentials.
- Select Home Loan
Choose the “Home Loan” option from your loan accounts.
- Request Interest Certificate
Look for the “Request Interest Certificate” option and click on it.
- Download the Certificate
Once requested, the certificate will be available for download in PDF format. You can save or print it for your records.
The interest certificate will include details of the interest paid on your home loan during the financial year, which is useful for tax purposes.
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Conclusion
The RBL Bank offers lower Home Loan Interest Rates with attractive flexible options, partnering with finance seekers to offer affordable and acceptable financing.
Frequently Asked Questions
The interest rate for a home loan at RBL Bank starts at 9.00% p.a competitive rates, which may vary based on the applicant’s profile and loan amount.
Yes, RBL Bank home loan borrowers can claim tax deductions of up to ₹1.5 lakh on principal repayment under Section 80C and up to ₹2 lakh on interest paid under Section 24(b) of the Income Tax Act.
The minimum age to apply for an Easy Home Loan is 24 years, with a maximum age of 60 years at loan maturity for salaried individuals and 65 years for self-employed individuals.
Yes, RBL Bank is a licensed and approved bank by the Reserve Bank of India (RBI).
RBL Bank is a private sector bank.
Yes, RBL Bank is safe and regulated by the Reserve Bank of India (RBI), ensuring it meets all financial and security standards.
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