75 Lakh RBL Bank Home Loan

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Looking forward to buying a home but unable to find the ideal home loan to cater to your financial needs? Look no further and check the RBL Bank’s 75 Lakhs home loan, offering competitive interest rates starting from 8.90% per annum and flexible EMIs. RBL Bank offers up to 30 years of repayment tenure, giving you ample time to repay your home loan after completing your budget-friendly EMIs. RBL Bank's Rs 75 Lakh home loan offers attractive perks, such as tax benefits of up to Rs 3.5 lakhs. Keep reading to learn more about the Rs 75 Lakh home loan of RBL Bank, eligibility, and the documents required.

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Table of Content

1. 75 Lakh Home Loan RBL Bank Highlights

2. 75 Lakh Home Loan EMI For 5 Years RBL Bank

3. 75 Lakh Home Loan EMI For 10 Years RBL Bank

4. 75 Lakh Home Loan EMI For 15 Years RBL Bank

5. 75 Lakh Home Loan EMI For 20 Years RBL Bank

6. 75 Lakh Home Loan EMI For 25 Years RBL Bank

7. 75 Lakh RBL Bank Home Loan Fees & Charges

8. 75 Lakh RBL Bank Home Loan Documents Required

9. 75 Lakh RBL Bank Home Loan Eligibility Criteria

Read more
Written By
Utsah Sharma
Utsah Sharma
Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.
Reviewed By
Piyush Bothra
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.

75 Lakh Home Loan RBL Bank – Highlights

Take a look at the key highlights of the Rs 75 Lakh home loan by RBL Bank:

Interest Rates Very competitive-  8.90% per annum onwards
Loan Amount Higher amounts of up to Rs 15 crores
Loan Tenure Longer repayment tenures of up to 30 years
Eligibility The applicant can be a salaried employee, a salaried NRI, a self-employed individual, or a professional.

75 Lakh Home Loan EMI For 5 Years RBL Bank

EMI of RBL Bank’s 75 lakh home loan over the tenure of 5 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 Lakhs 8.90% p.a. 5 years ₹1,55,324 ₹18,19,435 ₹93,19,435

75 Lakh Home Loan EMI For 10 Years RBL Bank

EMI of RBL Bank’s 75 lakh home loan over the tenure of 10 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 Lakhs 8.90% p.a. 10 years ₹94,601 ₹38,52,169 ₹1,13,52,169

75 Lakh Home Loan EMI For 15 Years RBL Bank

EMI of RBL Bank’s 75 lakh home loan over the tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 Lakhs 8.90% p.a. 15 years ₹75,624 ₹61,12,407 ₹1,36,12,407

75 Lakh Home Loan EMI For 20 Years RBL Bank

EMI details for a 75 lakh home loan from RBL Bank over a 20-year tenure are:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 Lakhs 8.90% p.a. 20 years ₹66,998 ₹85,79,484 ₹1,60,79,484

75 Lakh Home Loan EMI For 25 Years RBL Bank

EMI for a 75 lakh home loan from RBL Bank over a 25-year tenure:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 Lakhs 8.90% p.a. 25 years ₹62,427 ₹1,12,28,081 ₹1,87,28,081

75 Lakh RBL Bank Home Loan – Fees & Charges

The fees and charges applicable for a 75 Lakh home loan at RBL Bank are as follows:

  • The processing fee is either 1.5% of the loan amount or up to Rs 15,000, whichever is higher, plus GST.
  • Application charges are Rs 6,500 for Mumbai residents and Rs 5,000 for residents of other areas.
  • A late EMI fee of 2% per month is charged on defaulted payments.
  • The Cheque bounce fee is Rs 250.
  • Foreclosure charges are 3% of the outstanding amount.
  • Legal charges are billed as per actuals.

75 Lakh RBL Bank Home Loan – Documents Required

The documents that are required to avail of a Rs 75 Lakh RBL Bank home loan are as follows:

  • Government-issued identity cards.
  • Address proofs can be your Voter ID, Driving License, Passport, Telephone Bill, Electricity Bill, Registered Lease Deed, Sale Agreement, or Bank Statement.
  • Business continuity proof: a five-year-old document such as a Bank Statement, Sales Tax challenges, IT Returns, Shops and establishment Certificate, Certificate of Incorporation, or Partnership Deed.
  • Passport-size photographs and any valid photo ID issued by the Central or State Government are also needed.

For Salaried Individuals

  • The last 2 years of Income Tax Returns
  • Latest 3-month salary slip
  • Latest Form 16

For Self-Employed Individuals and Professionals:

  • Latest audited ITR and financials for the last 2 years
  • 6 months of main account bank statements
  • 3 months of other account statements
  • Professional qualification and degree certificates for professionals

75 Lakh RBL Bank Home Loan – Eligibility Criteria

Ensure to meet the following eligibility criteria before applying for a Rs 75 Lakh RBL Bank home loan:

Eligible Candidates Residents, NRIs, Self-employed Individuals & Self-employed Professionals
Salaried Individuals The eligibility criteria include a minimum annual income of Rs 1,80,000 and a minimum age of 24. Applicants should not exceed 70 years of age at loan maturity. Additionally, a minimum of 3 years of work experience is required.
Self-employed individuals The eligibility criteria require a minimum annual income of Rs 1,50,000 and a minimum age of 24. The maximum age at loan maturity should not exceed 65 years. Additionally, a minimum business tenure of 3 years is required.

Frequently Asked Questions (FAQs)

What is the EMI for a 75 lakh Home Loan for 20 years in RBL Bank?

The EMI for a Rs 75 lakh RBL Bank home loan over a tenure of 20 years is Rs 66,998.

Who is eligible for a 75 lakh Home loan in RBL Bank?

Salaried employees, NRIs, self-employed individuals, and professionals are eligible for a Rs 75 lakh home loan from RBL Bank.

What is the monthly interest rate of a 75 lakh home loan in RBL Bank?

RBL Bank offers a monthly interest rate of approximately 0.74% for a 75 lakh home loan.

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