25 Lakh RBL Bank Home Loan

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Aspiring homeowners seeking to realise their dream of property ownership can find a strong financial partner in RBL Bank. The bank offers a versatile home loan program specifically designed for loans up to ₹25 lakh. This program caters to a broad range of borrowers, including salaried individuals and self-employed applicants.

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Table of Content

1. 25 Lakh Home Loan From RBL Highlights

2. RBL 25 Lakh Home Loan EMI for 5 years

3. RBL 25 Lakh Home Loan EMI for 10 years

4. RBL 25 Lakh Home Loan EMI for 15 years

5. RBL 25 Lakh Home Loan EMI for 20 years

6. RBL 25 Lakh Home Loan EMI for 25 years

7. 25 Lakh RBL Home Loan Fees and Charges

8. 25 Lakh RBL Home Loan Documents Required

9. 25 Lakh RBL Home Loan Eligibility Criteria

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

Reviewed By

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

25 Lakh Home Loan From RBL – Highlights

Below are the key highlights for a 25 lakh home loan from RBL Bank:

Feature	Detail
Term Options	Up to 25 years
Interest Rate	Competitive rates
Prepayment	Non-applicable on floating rate loans
Approval Time	Fast processing and approval

RBL 25 Lakh Home Loan EMI for 5 years

Item	Detail
Monthly EMI	INR 51,500
Number of EMIs	60
Total Amount Paid	INR 30,90,000
Interest in Amount	INR 5,90,000

RBL 25 Lakh Home Loan EMI for 10 years

Item	Detail
Monthly EMI	INR 32,000
Number of EMIs	120
Total Amount Paid	INR 38,40,000
Interest in Amount	INR 13,40,000

RBL 25 Lakh Home Loan EMI for 15 years

Item	Detail
Monthly EMI	INR 26,000
Number of EMIs	180
Total Amount Paid	INR 46,80,000
Interest in Amount	INR 21,80,000

RBL 25 Lakh Home Loan EMI for 20 years

Item	Detail
Monthly EMI	INR 22,333
Number of EMIs	240
Total Amount Paid	INR 53,60,000
Interest in Amount	INR 28,60,000

RBL 25 Lakh Home Loan EMI for 25 years

Item	Detail
Monthly EMI	INR 21,350
Number of EMIs	300
Total Amount Paid	INR 64,05,000
Interest in Amount	INR 39,05,000

25 Lakh RBL Home Loan – Fees and Charges

For a 25 lakh home loan from RBL Bank, the applicable fees include a non-refundable application fee of INR 5,000 plus taxes. The processing fee is either 1% of the loan amount or INR 15,000 plus taxes, whichever is higher. EMI overdue charges are set at 2% of the EMI amount plus applicable taxes. There are no prepayment charges for floating-rate loans.

25 Lakh RBL Home Loan – Documents Required

For a 25 lakh home loan from RBL Bank, the required documents include:

Identity Proof: PAN Card, Voter ID, Passport, or Driving License.
Address Proof: Utility bills, Lease/Sale Agreement, Bank Statement.
Income Proof: Recent salary slips, Form 16, ITR for the last 2 years.
Business Proof: (For self-employed) ITR, P&L statements, business continuity proof.

25 Lakh RBL Home Loan – Eligibility Criteria

To be eligible for a home loan of ₹25 lakh from RBL Bank, applicants must:

Applicant Type: Salaried individuals, self-employed individuals, and professionals.
Income Stability: Stable income is required, as evidenced through salary slips or audited financial statements.
Age Criteria: Must meet the bank’s specific age requirements for loan maturity.
Creditworthiness: Good credit score and credit history.
Documentation: Complete set of required documents, including proof of income, identity, and residence.

Frequently Asked Questions (FAQs)

What is the EMI for a 25 lakh Home Loan for 20 years in RBL?

EMI for a 25 lakh home loan over 20 years from RBL Bank, assuming an interest rate of 8.90%, would be approximately INR 22,333 per month.

Who is eligible for a 25 lakh home loan in RBL?

RBL home loans are open to salaried individuals, NRIs, self-employed individuals, and professionals as long as they meet income and employment stability requirements.

What is the monthly interest rate on a 25 lakh home loan in RBL?

For an RBL home loan with an annual interest rate of 8.90%, the monthly interest rate is approximately 0.74%.

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