Looking for a Business Loan from RBL Bank?

Look no further. We have summarised the information you may need to make a sensible decision

Corporate Business Loans from RBL Bank

RBL Bank, previously known as Ratnakar Bank, offers a wide array of finance products to different segments of its customer base to meet their specific needs. The bank offers financial services across six distinct verticals including the corporate banking vertical. It provides different business loans in addition to non-funded services to its corporate customers.

Four of the business loans from RBL Bank are:

  1. Working Capital Loan
  2. Term Loan
  3. Trade Finance
  4. Structured Finance

We give you a brief intro to these business loans below.

RBL Bank Working Capital Loan

The RBL Bank Working Capital Loan helps businesses finance their everyday operations such as for investment in current assets, purchase inventory, salary payments, power charges, etc. This a perfect loan scheme for businesses to manage cash flows and maximise business potential.

Features of RBL Bank Working Capital Business Loan

Why this Loan?

  • This business loan can be taken for managing day-to-day operations related to running the business
  • The security needed for this loan is decided based on the risk perception after checking the borrowers’ profile and other lending norms of the bank

RBL Bank Term Loan for Business

This loan helps businesses get financial assistance to meet their needs for growth and expansion of business. This is a need-based loan which means that the quantum of loan and other related details are decided by the bank on a case-to-case basis.


Features of RBL Bank Term Loan

Why this Loan?

  • This business loan is meant for big and small businesses to obtain funds for expansion of a business
  • Borrowers can avail the RBL Bank Term Loan to set a new industrial unit, expand or modernise a unit, purchase long-term assets for a business, etc.
  • The repayment schedule is set based on a range of factors such as Cash Generation and Repayment capacity of the borrower, Debt Service Coverage Ratio, etc.

RBL Bank Trade Finance

This loan helps businesses pay for pre-shipment, post-shipment, and other activities for your trade business right from sourcing, manufacturing or converting semi-finished into finished goods and services to importing raw materials and capital goods.

Features of RBL Bank Trade Finance

Why this Loan?


  • The RBL Bank Trade Finance is meant for you if you need to raise funds for meeting your export and import obligations. Please get in touch with the bank to get a list of all activities eligible for this loan
  • The repayment period for each loan is set on a case-to-case basis depending on factors such as the nature of project, quantum of loan, repayment capacity of the borrower, etc.

RBL Bank Structured Finance

The bank offers this as an umbrella loan scheme and has a range of business loans to meet the needs of its corporate customers. The loan products under this scheme are specially designed to structure complex transactions and mitigate risks for the borrower.

Features of Structured Finance

Why this Loan?

  • The RBL Bank Structured Finance schemes are perfect for businesses that need funds for complex transactions such as business acquisitions, investing in a foreign market, etc.
  • These are need-based loan schemes and each detail such as quantum of loan, repayment period, etc. is decided by the bank on a case-to-case basis

Important Note: Even though the bank’s website has information available for a few business loan scheme at this time, there is a possibility that the bank may offer more corporate loan options which are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for RBL Bank Business Loans

  • The interest rate for the RBL Bank business loans depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, the structure of debt, etc. The applicable interest rate for each loan is not mentioned on the RBL Bank website. Please get in touch with a bank representative for details

Eligibility for RBL Bank Business Loans

  • Individuals, Proprietors, Partnership Firms, Private Limited and Public Limited Companies can apply for these loans

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • For term loans: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For Term Loans Only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For term loans only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Reference Facts:

  • RBL Bank Website: www.rblbank.com
  • Headquarters: Mumbai, Maharashtra
  • Phone Number: +91 22 6115 6300