RBL Bank - Know More Info about Products Offered & Banking Services
RBL Bank is a private sector bank in India that was established in 1943. The bank’s headquarters is in Mumbai. In India, the bank has 502 branches and serves more than 11.30 million customers.
The bank has more than 400 ATMs across India and is listed on BSE and NSE. Earlier, the bank was known as Ratnakar Bank. Some of the products that are offered by RBL Bank include doctors account, current accounts, savings accounts, Fixed Deposits, credit cards, loans, insurance, and Non-Resident Indian (NRI) accounts.
Several products offered by the bank can be opened online and the procedure is simple. The mobile banking and net banking options provided by the bank allows you to access various accounts easily. Payments can be made via the mobile app, UPI, using the bank’s debit card, and net banking.
Products Offered by RBL Bank
Some of the products that are offered by RBL Bank are mentioned below:
Accounts
Several deposit accounts are offered by RBL Bank with different benefits. Some of the accounts that are offered by the bank are listed below:
- Savings Accounts - RBL Bank allows you to open a savings account online within five minutes. The bank offers the account at a high interest rate.
- Current Accounts - Various current accounts are offered by the bank that can be opened online. Certain current accounts allow you to pay direct taxes online.
- Doctors Account - The account is offered to health care professionals and doctors. You can choose the account number under the Doctors Account.
Deposits
The FD and RD schemes offered by the bank come with attractive interest rates. RBL Bank provides the option to open an account online as well.
- Fixed Deposits - Several FD schemes are offered by RBL Bank. The tenure of the scheme may vary from 7 days to 20 years.
- Recurring Deposits - The RD scheme offered by the bank comes with a tenure ranging between 6 months and 20 years. Nominees can be added to the account as well.
Cards
Several debit cards and credit cards are offered by RBL Bank with different benefits.
- Debit Cards - Various debit cards are offered by the bank with different features and benefits. You can apply for a debit card online as well.
- Credit Cards - RBL Bank offers the option to apply for a credit card online. A host of benefits and features are offered by the bank on its credit cards.
Loans
Depending on your requirements, several loans are offered by RBL Bank, some of which are listed below:
- Education Loan - RBL Bank offers an education loan of up to Rs.20 lakh at attractive interest rates. The loan can be used for higher education in India or abroad.
- Working Capital Finance - The loan is offered in order to help your business progress. The process to apply for the loan is simple and minimal documents will need to be submitted.
- Car Loan - You can avail a car loan from the bank to purchase a new car. Up to 90% of the on-road price of the car may be provided as a loan.
- Home Loan - Up to Rs.10 crore may be offered by the bank as a home loan. Salaried employees, professionals, and self-employed individuals can apply for the loan.
- Personal Loan - RBL Bank offers a personal loan at attractive interest rates. Up to Rs.20 lakh may be offered by the bank as a loan.
- Business Loan - Up to Rs.35 lakh may be provided as a business loan by RBL Bank. No security or collateral will need to be provided to avail the loan.
- Loan Against Property - Both commercial and residential property may be provided as collateral. The maximum loan amount that will be provided is up to Rs.10 crore.
- Overdraft Against Property - The loan is offered at attractive interest rates. Up to 80% of the value of the property may be provided as a loan.
- Affordable Housing Loan - Up to Rs.35 lakh may be provided as a loan. The repayment tenure is up to 20 years.
Insurance
Different insurance products are offered by RBL Bank, some of which are listed below:
- Health Insurance - Three health insurance plans are offered by the bank that comes with several features and benefits.
- General Insurance - Several general insurance plans are offered by RBL Bank to meet your requirements. You can apply for certain insurance plans online as well.
- Life Insurance - Different life insurance policies are offered by RBL Bank with various benefits. The bank also provides the option to purchase a policy online.
Investments
Some of the investment options that are provided by RBL Bank are mentioned below:
- National Pension System - The PFRDA has appointed RBL Bank as a Point of Presence (POP) for the scheme.
- e-ASBA - Investment in FPOs and IPOs can be made through this facility.
Banking Services
Some of the banking services that are offered by the bank are given below:
- Chat with RBL Cares - Assistance is provided for credit card and bank account-related queries via RBL Cares.
- Mobile Banking - You can download the app on your smartphone. Several products can be opened on the RBL Bank mobile application.
- Net Banking - The net banking facility offered by the bank allows you to access account details.
FAQs on RBL Bank
1.Does RBL Bank offer an FD facility for Non-Resident Indians (NRIs)?
Yes, RBL Bank offers FD facility to NRIs, with period of deposit ranging from 7 days to 60 months.
2.Can I open an RBL Bank RD account online?
Yes, you can open an RBL Bank RD account online with the help of your Aadhaar card and PAN card.
3.Can I add nominees to the RBL Bank RD account?
Yes, nominees can be added to the RBL Bank RD account.
4.Is motor insurance offered by RBL Bank?
Yes, RBL Bank offers motor insurance. The bank offers insurance for both two-wheelers and four-wheelers. Cashless claims can be made at more than 1,500 network garages.
5.What is the repayment tenure of the car loan scheme offered by RBL Bank?
The repayment tenure of the car loan scheme offered by RBL Bank ranges between 12 months and 60 months.
6.What is the maximum loan amount that RBL Bank provides under the car loan scheme?
Up to Rs.1 crore may be provided as a car loan by the bank under the scheme.
7.What is the tenure of the Tax Savings Fixed Deposit scheme offered by RBL Bank?
The Tax Savings Fixed Deposit scheme offered by the bank comes with a tenure of five years.
8.Is it possible to open the RBL Bank Tax Saving Fixed Deposit account via mobile banking?
Yes, you can open the Tax Savings Fixed Deposit account offered by RBL bank via mobile banking.
Disclaimer
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