The current eligibility criteria for RBL home loans are as given in the table below:

Eligibility Criteria

Applicable to salaried and self-employed applicants

Income criteria

Minimum income - Rs. 25,000

Age criteria

Minimum 21 years and maximum 60 years

Loan tenure

Maximum 25 years

Loan amount

Maximum Rs. 10 crores

Interest rate

10.30% - 11.65%

Processing fees

Rs. 5,000 to Rs. 15,000

Prepayment penalty


To improve your home loan eligibility for RBL bank home loans, here are some important tips:

  1. Apply with a co-applicant - You can improve your RBL bank home loan eligibility by applying for a home loan with a co-applicant, like an earning family member who has a good credit score. 
  2. Work towards good credit score – A high credit score of 750 or above can help in easily availing a home loan from RBL bank and at flexible loan terms.
  3. Timely debt repayment - Repaying your debts on time and in full can help in building a good credit score which will further enhance your chances of easily availing of a home loan from RBL bank.
  4. Maintain good relations with the bank – Having an existing saving or fixed deposit account with the bank can ensure better chances of home loan approval from RBL bank.
  5. Show all income sources – No matter how small the income from a particular source, you must consider and reflect all possible income sources to RBL bank while applying for a home loan. This will improve your eligibility. 

Opting for a longer loan tenure can also help in easily securing a home loan from RBL bank at reasonable terms and conditions. This way, you can also manage timely EMI payments.