4 Crore RBL Bank Home Loan

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Are you a salaried professional or self-employed and looking to buy your first home? RBL Bank has a home loan solution for you! With their loan options for properties valued up to ₹4 cr, they can help turn your dream of homeownership into reality. The flexible terms make it easier to achieve this significant life milestone.

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4 Crore Rbl Bank Home Loan EMI Calculator

₹
  • 5 Lac
  • 20 Cr
Years
  • 5
  • 30
%
  • 6
  • 20

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹4,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 4 Crore Home Loan From RBL Highlights

2. RBL 4 Crore Home Loan EMI for 5 Years

3. RBL 4 Crore Home Loan EMI for 10 years

4. RBL 4 Crore Home Loan EMI for 15 years

5. RBL 4 Crore Home Loan EMI for 20 Years

6. RBL 4 Crore Home Loan EMI for 25 Years

7. 4 Crore RBL Home Loan Fees and Charges

8. 4 Crore RBL Home Loan Documents Required

9. 4 Crore RBL Home Loan Eligibility Criteria

Read more
Written By
Hepson Franklin
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
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.

Last Updated: 26th September 2024

4 Crore Home Loan From RBL – Highlights

Here are the key highlights for a Rs 4 crore home loan from RBL Bank:

Feature Detail
Loan Amount INR 4,00,00,000
Term Options Up to 25 years
Interest Rate Competitive rates
Prepayment Nil charges on floating rate loans
Approval Time Fast processing and approval

RBL 4 Crore Home Loan EMI for 5 Years

Here are the highlights of RBL home loan worth 4 Cr:

Item Detail
Loan Amount INR 40000000
Interest Rate 8.90% per annum
Monthly EMI ₹ 87,862.57
Number of EMIs 60  
Total Amount Paid ₹ 5,261,577.20
Interest in Amount ₹ 1,261,577.20

RBL 4 Crore Home Loan EMI for 10 years

Here are the highlights of RBL home loan worth 4 Cr:

Item Detail
Loan Amount INR 40000000
Interest Rate 8.90% per annum
Monthly EMI ₹ 51,768.77
Number of EMIs 120 
Total Amount Paid ₹ 6,204,852.40
Interest in Amount ₹ 2,204,852.40

RBL 4 Crore Home Loan EMI for 15 years

Here are the highlights of RBL home loan worth 4 Cr:

Item Detail
Loan Amount INR 40000000
Interest Rate 8.90% per annum
Monthly EMI ₹ 40,561.65
Number of EMIs 180 
Total Amount Paid ₹ 7,297,093.00
Interest in Amount ₹ 3,297,093.00

RBL 4 Crore Home Loan EMI for 20 Years

Here are the highlights of RBL home loan worth 4 Cr:

Item Detail
Loan Amount INR 40000000
Interest Rate 8.90% per annum
Monthly EMI ₹ 33,518.92
Number of EMIs 240 
Total Amount Paid ₹ 8,049,778.80
Interest in Amount ₹ 4,049,778.80

RBL 4 Crore Home Loan EMI for 25 Years

Here are the highlights of RBL home loan worth 4 Cr:

Item Detail
Loan Amount INR 40000000
Interest Rate 8.90% per annum
Monthly EMI ₹ 31,396.51
Number of EMIs 300 
Total Amount Paid ₹ 9,419,663.00
Interest in Amount ₹ 5,419,663.00

4 Crore RBL Home Loan – Fees and Charges 

For a 4 crore RBL home loan, the fees include:

  • Application Fee: INR 5,000 + taxes (non-refundable)
  • Processing Fee: 1% or INR 15,000 + taxes, whichever is higher
  • EMI Overdue Charges: 2% of EMI + taxes
  • Prepayment Charges: Nil for floating-rate loans

4 Crore RBL Home Loan – Documents Required 

RBL Bank requires the following documents when applying for a ₹4 crore home loan:

  • Identification: PAN Card, Voter ID, Passport, or Driving License (choose one)
  • Residence: Utility bill, Lease/Sale Agreement, or Bank Statement (choose one)
  • Income (Salaried): Recent salary slips, Form 16, and ITR for 2 years
  • Income (Self-Employed): ITRs, P&L Statements, and Business Continuity Proof

4 Crore RBL Home Loan – Eligibility Criteria 

There are three main criteria for obtaining a ₹4 crore home loan from RBL Bank:

  • Employment Type: You must be a salaried individual, self-employed, or a professional.
  • Financial Stability: You’ll need to meet the bank’s minimum income requirement to demonstrate your ability to repay the loan.
  • Creditworthiness: A good credit history is essential for securing the loan.

Frequently Asked Questions (FAQs)

What is the EMI on a 4 crore home loan for 20 years in RBL?

An RBL home loan of ₹4 crore at 8.90% interest for 20 years would translate to a monthly EMI of around ₹35,732.18.

Who is eligible for a Rs 4 crore home loan in RBL?

Eligibility for a home loan of ₹4 crore from RBL typically extends to salaried individuals, salaried NRIs, self-employed individuals, and professionals as long as they meet specific income and job stability criteria.

What is the monthly interest rate on a Rs 4 crore home loan in RBL?

If you take out an RBL home loan with an advertised yearly interest rate of 8.90%, you can expect a monthly interest rate of roughly 0.741%.

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