RBL Bank Agra

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About RBL Bank

RBL Bank is one of the fastest growing private sectors banks in India with an expanding presence across the country. The bank has more than 201 branches and 373 ATMs across 16 Indian states and Union Territories. The bank was established in 1943 and since then it has been delivering customer-friendly products and services. RBL or Ratnakar Bank Limited has also got the recognition as ‘Global Growth Company’ by the World Economic Forum and has been awarded as ‘India’s Best Bank (Growth) in the ‘Small-Sized Bank segment’ by Business Today-KPMG Best Bank Study for four consecutive years-2012, 2013, 2014 and 2015.

Talking about the business RBL has made, it is quite appreciating that it has the net income of ₹292 crores showing the trust and belief shown by the investors as well as the customers. Also, what is noticeable is that the bank has been a keen participant in redeeming its social responsibilities. Having said that, the CSR unit of the bank is continuously working towards the upliftment and betterment of the underprivileged section of the society.

RBL Bank Agra Branch Addresses

Branch NameComplete AddressIFSCMICRContact Number
Agra The Ratnakar Bank Ltd., Ground Floor, Block No. 41, 4 Sanjay Place, Shop No. 5, 6, 7, 8 & Basement floorRATN0000174NON-MICR43020600

Products Offered by RBL Bank in Agra

RBL Bank offers varied products in Agra and some of them are home loans, personal loans, car loans, mortgage or a loan against property and education loans under the loan segment at low-interest rate and higher loan amount. The bank also offers investment products like FD that promises higher saving options. So, have a look at the basic details like eligibility, amount, interest rate, processing fees and tenure.

Basic Details of RBL Bank Products

ProductEligibilityAmount Interest RateProcessing FeeTenure
Home Loan Salaried Individuals:
Minimum net income of ₹1,20,000 per annum.
Minimum age at loan sanction – 24 years. Maximum age at loan maturity – 60 years or super-annuation whichever is early.
Work Experience of minimum 1 year at current job and 2 years of total experience. If current job is less than 1 year, then 3 years of total experience required.
Self-Employed Individuals and Professionals:
Minimum net annual income as per latest year ITR / Financials of ₹1,50,000.
Minimum age at loan sanction – 24 years. Maximum age at loan sanction – 65 years.
Business continuity of last three years in the same field.
₹10 Crores10.30% - 11.65%0 to upto ₹25 lakh - ₹5000/- ₹25 - upto ₹75 Lakh - ₹10000/- ₹75 Lakh and above - ₹15000/- (fixed amount) In all cases given above, Non-refundable fee of ₹5000/- Upfront. Rest at the time of disbursal.Up to 25 years
Personal Loan Minimum net monthly income of ₹25,000 per month
Minimum age at loan sanction – 25 years. Maximum age at loan maturity - lower of 60 years or retirement age.
Work Experience of minimum 1 year at current employment and 3 years of total employment experience.
Up to ₹20 lakhs13.00% - 18.00%3% of Loan amount Charges for late payment of EMI 2% additional interest per month on overdue EMUp to 5 years
Car LoanFor salaried-
Applicant’s age should be minimum 21 years and maximum 58 years at loan maturity (maximum 60 years for Govt. employees.)
Minimum total work experience of 3 years required.
Minimum one landline contact at residence or office and a post-paid mobile connection required.
Minimum annual income from ₹1 lakh to ₹9 lakhs

For self-employed-
Self-Employed Individuals / Professionals
Applicant’s age should be minimum 25 years and maximum 65 years at loan maturity.
Minimum 3 years of experience required in the same line of business.
Minimum one landline contact at residence or office and a post-paid mobile connection required.
Minimum annual income of from ₹1 lakh to ₹7.5 lakhs
For salaried - ₹30 lakhs
For Self-employed- ₹1 Crore
12.00% - 14.00%2% of Loan amountUp to 5 years
Business Loan Self-employed individuals
Self-employed professionals
Sole proprietorships
Partnership firms and private limited companies (including closely-held public limited companies), with a profitable business for the past 3 years.
Applicant’s age should be minimum 27 years at the time of application and maximum 65 years at loan maturity.
Minimum 5 years of experience required in the same line of business with at least 3 years of business establishment & operation in the same city. For self-employed professionals, minimum
4 years of post-qualification experience is required.
Minimum business turnover required is ₹1 Crore and for Professional / Service Sector, applicant’s gross receipts should be at least ₹60 Lakhs.
Applicant must own either residence or office in his name or jointly with family members or resides in a residence owned by an immediate family member.
Up to ₹35 lakhs19% p.a. onwards3% of Loan amount (No charges applicable for Small Business Loan below ₹5 Lakhs)Up to 3 years
Loan Against PropertySalaried Individuals:
Minimum gross salary of Rs. 150,000 per annum.
Minimum age at loan sanction – 23 years. Maximum age at loan maturity – lower of 60 years or retirement age.
Self-Employed Individuals and Professionals:
Minimum net profit as per latest year ITR / Financials of ₹ 1,50,000.
Minimum age at loan sanction – 23 years. Maximum age at loan maturity – 65 years.
Up to ₹10 Crores 11.30% p.a. onwards1.5% of loan amount (Minimum Processing Fee of ₹7500/-) (Non-refundable fee of ₹5000 Upfront. Rest at the time of disbursal)Up to 15 years
Fixed DepositCitizen of India₹5 Crores5.00% - 8.35%NILUp to 20 years
Education LoanApplicant & co-applicant should be an Indian Resident
Minimum net income of ₹1.5 Lakhs per annum
Co-applicant can be any one - Father / Mother / Brother / Sister and Spouse
Co-applicant can be Salaried or Self-employed individual
Up to ₹20 lakhs14.15%p.a. onwardsNIL1 year after completion of course

Documents Required

ProductDocuments
Home Loan PAN Card – For Individual / Partnership Firm/Company
Identity Proof – (Voter ID / Driving License/Passport)
Address Proof – (Voter ID/Driving License/Passport/Telephone Bill/Electricity Bill/Registered Lease Deed or Sale Agreement/Bank Statement)
Business Continuity Proof – Any 5 documents (Bank Statement/Sales Tax Challans / IT Returns / Shops & Est. Certificate / COI / Partnership Deed)
Passport Size Photographs
Any other valid Photo ID card issued by central or state government
Income Proof
Bank statements
Personal Loan PAN Card – For Individual
Identity Proof – Any one (Voter ID / Driving License / Passport)
Address Proof – Any one (Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)
Relationship Proof (if required)
Passport Size Photographs
Any other valid Photo ID card issued by central or state government
Latest 6 months Salary credit Bank Statements
Income Proof
Bank statements
Vehicle LoanPAN Card – For Individual/Partnership Firm / Company
Identity Proof – Any one (Voter ID / Driving License / Passport / Aadhar Card)
Address Proof – Any one (Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)
Business Continuity Proof – Any one document dated 3 years old (Bank Statement / Sales Tax Challans / IT Returns / Shops & Est. Certificate / Certificate of Incorporation / Partnership Deed)
Passport Size Photographs of all applicants & co-applicants
Car Documents
Pro-forma Invoice of the Car
Margin money receipt from the dealer
RTO set
Income Proof
Bank statements
Business Loan PAN Card – For Individual / Partnership Firm / Company
Identity Proof – Any one (Voter ID / Driving License / Passport / Aadhar Card)
Address Proof – Any one (Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)
Ownership proof of either residence or office either in the name of applicant or jointly with family members
Business Continuity Proof – Any one document dated 5 years old (Bank Statement / Sales Tax Challans / IT Returns / Shops & Est. Certificate / Certificate of Incorporation / Partnership Deed)
Letter certifying end use of the business loan funds on Business Letterhead
Passport Size Photographs of all applicants and co-applicants
Income Proof
Bank statements
Loan Against PropertyPAN Card – For Individual / Partnership Firm / Company
Identity Proof – Any one (Voter ID / Driving License / Passport)
Address Proof – Any one (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 (Bank Statement / Sales Tax Challans / IT Returns / Shops & Est. Certificate / COI / Partnership Deed)
Passport Size Photographs
Income Proof
Bank statements
Fixed DepositPassport size photographs
ID Proof
Address Proof
Income Proof
Bank statements
Education LoanCompletely filled Application Form with Signature
Proof of Identity & Age Proof - any one (e.g. Pan card, Passport, Valid Driving License, Voters ID Card)
Proof of Address & Signature - any one [Voter's ID Card, Valid Driving License, Valid Passport, Utility Bill (Electricity / Telephone / Mobile - not more than 2 months old), Bank Statement (Monthly Statement not more than 3 months old)]
Relationship Proof with co-applicant
Passport Size Photograph
Educational Proof of applicant: Mark sheets of Standard 10th, 12th, Graduation or Diploma etc.
Admission proof confirming the admission of the applicant along with the tuition fee, course fee details, duration of the course etc.
Passport Copy is a Mandatory Document for students pursuing the course abroad.
In case of US institutes I-20 Form will be mandatory. Also Scholarship Certificates if applicable
Mark Sheets / Certificates of English proficiency test and other qualifying tests like GRE, GMAT, SAT, TOEFL etc.

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