Information only
RBL Bank is a private sector bank in the Reserve Bank of India (RBI) list of banks. RBI lists its address as Kolhapur, Maharashtra. It began as Ratnakar Bank Limited, set up in Kolhapur in 1943, and took the name RBL Bank in 2014, according to published company histories. Its loan page lists home, personal, property, business, car, two-wheeler, gold and education loans, along with loans against securities and rural vehicle finance. This page is an information summary, not an offer, and it does not compare RBL Bank with other lenders.
Loans it offers
Loans RBL Bank lists
| Loan | What to know |
|---|---|
| Home loans | A housing loan is listed, and a separate home loan for non-resident Indians sits under NRI banking. |
| Personal loans | A personal loan is listed. It carries no property security. |
| Loans against property | A loan against property and a Small and Micro Loan Against Property (SMLAP) are listed. The second suits smaller borrowers who offer property as security. |
| Business and MSME loans | A business loan is listed. Under business banking the bank also names Pradhan Mantri Mudra Yojana and the Agriculture Infrastructure Fund. |
| Car loans | A car loan is listed, with a link to a pre-owned car loan. |
| Two-wheeler loans | A two-wheeler loan is listed. |
| Gold loans | Listed as a loan against gold ornaments. |
| Education loans | An education loan is listed. |
| Rural vehicle finance | The page links a used tractor loan under rural vehicle finance. |
| Overdraft against securities | The bank lists an overdraft called EasyGain and a loan against securities. |
How these loans work, on LOANZ 360: home loans, personal loans, loans against property, MSME loans, car loans, two-wheeler loans, gold loans, education loans, agriculture loans. The bank has an agri banking section, but it does not name a plain agriculture loan on the page we read. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, as listed by RBI |
| Registered office (RBI listing) | Kolhapur, Maharashtra |
| Former name | Ratnakar Bank Limited, renamed RBL Bank in 2014 |
| Ownership | Emirates NBD, the Dubai-based bank, holds a majority stake following an investment completed in June 2026 |
As of 8 November 2026, Emirates NBD and RBL Bank announced on 18 June 2026 that Emirates NBD had completed its investment and held 60 percent of the expanded share capital. News reports say RBI cleared the merger of Emirates NBD's Indian branches into RBL Bank from 1 December 2026.
Before you apply
- Ownership changed in 2026, so ask the bank whether any product terms, branch details or servicing arrangements are changing for existing or new borrowers.
- Ask for the Key Fact Statement (KFS) and read the annual percentage rate (APR), which includes the lender's charges.
- For SMLAP, ask which property types the bank accepts and what valuation and legal checks it runs.
- For a pre-owned car or tractor loan, ask how the bank values an older vehicle and what documents prove ownership.
Processing, foreclosure and penal charges are set by the lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it. Compare published rates on interest rates.
Read interest rates and the lenders list to compare banks side by side. The label on this page, lending partner or information only, is drawn by the site from live data. If the lender shows as information only, apply on its own website.
Last updated 12 Nov 2026