35 Lakh RBL Bank Home Loan

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RBL Bank, one of India’s fastest-growing banks, provides various banking and financial services tailored to meet customer needs. Need a 35 lakh home loan? RBL Bank offers easy and affordable home loans to help you buy your dream home. With low interest rates starting at 8.90% p.a. and repayment terms up to 30 years, RBL Bank makes home buying simple. Their friendly approach ensures you understand everything. Get your dream home with RBL Bank's 35 lakh home loan.

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Table of Content

1. 35 Lakh Home Loan RBL Bank Highlights

2. 35 Lakh Home Loan EMI for 5 to 25 Years RBL Bank

3. 35 Lakh RBL Bank Home Loan Fees and Charges

4. 35 Lakh RBL Bank Home Loan Documents Required

5. 35 Lakh RBL Bank Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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.

35 Lakh Home Loan RBL Bank – Highlights

These features make RBL Bank’s home loan an excellent choice for anyone seeking straightforward and beneficial home financing. Here are the key highlights of the 10 lakh home loan from RBL Bank:

Feature	Details
Interest Rate	Starting from 8.90% p.a. onwards
Loan Amount	Up to INR 15 Crores
Flexible Tenure	Up to 30 years
Tax Benefits	Up to 3.5 lakhs*

35 Lakh Home Loan EMI for 5 to 25 Years RBL Bank

Calculating your EMI for a 35 lakh home loan at an interest rate of 8.90% is easy with the Urban Money Home Loan EMI Calculator. Here’s a quick reference table for different loan tenures:

Loan Tenure (Years)	EMI (Monthly)
5	INR 72,640
10	INR 44,008
15	INR 34,961
20	INR 30,965
25	INR 29,071

35 Lakh RBL Bank Home Loan – Fees and Charges

Here are the RBL Bank’s 35 Lakh Home Loan fees and charges:

Category	Details
Prepayment and Foreclosure	Floating Rate Loans: No charges Fixed Rate Loans: As per schedule
Application Fee	INR 5,000 + taxes (Non-refundable)
Processing Fee (above 30 lakhs)	1.00% or INR 15,000 + taxes (whichever is higher)
EMI Overdue	2% of EMI + taxes

35 Lakh RBL Bank Home Loan – Documents Required

The documents required are as follows:

Basic Documents

PAN Card: For Individuals/Partnership Firm/Company
Identity Proof: Any one document (e.g., Voter ID, Driving License, Passport)
Address Proof: Any one document (e.g., Voter ID, Driving License, Passport, Telephone Bill, Electricity Bill, Registered Lease Deed or Sale Agreement, Bank Statement)
Business Continuity Proof: Any one document dated 5 years old (e.g., Bank Statement, Sales Tax Challans, IT Returns, Shops & Establishment Certificate, Certificate of Incorporation, Partnership Deed)
Passport Size Photographs
Other Photo ID: Any valid photo ID issued by Central or State Government

Financial Documents

The last 2 years of Income Tax Returns, the latest 3 months’ salary slips, or the latest Form 16
issued by the employer for Salaried Individuals. For Self-Employed Individuals, the latest audited ITR and financials for the last 2 years and bank statements from accounts mentioned in the balance sheet.
Professional qualification and degree certificates for self-employed professionals.

35 Lakh RBL Bank Home Loan – Eligibility Criteria

Here is a detailed list of eligibility criteria for a 35 lakh RBL Bank Home Loan:

Category	Criteria
Who Can Apply	Salaried Individuals, Salaried NRIs, Self-Employed Individuals, Self-Employed Professionals
Salaried Individuals	Minimum net income: INR 1,80,000 per annum
	Age: 24 to 70 years (at loan maturity)
	Work experience: At least 3 years; if the current job is less than 1 year, a confirmation letter is needed
Self-Employed Individuals and Professionals	Minimum net annual income: INR 1,50,000 (latest ITR/Financials)
	Age: 24 to 65 years (at loan sanction)
	Business continuity: At least 3 years in the same field

Frequently Asked Questions (FAQs)

What is the EMI for a 35 Lakh Home Loan for 20 years in RBL Bank?

The EMI for a 35 lakh home loan for 20 years at an interest rate of 8.90% is INR 30,965 per month.

Who is eligible for a 35 Lakh Home Loan in RBL Bank?

Salaried individuals with a minimum net income of INR 1,80,000 per annum, aged 24-70 years, with at least 3 years of work experience, and self-employed individuals and professionals with a minimum net annual income of INR 1,50,000, aged 24-65 years, with at least 3 years in the same field.

What is the monthly interest rate of a 35 Lakh home loan in RBL Bank?

The monthly interest rate for a 35 lakh home loan at RBL Bank is approximately 0.74% (annual rate of 8.90%).

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