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Rbl Bank Home Loan vs Icici Bank Home Loans Home Loan Comparison | Ambak

The rbl bank vs icici bank home loan comparison: RBL Bank (550+ branches since 1943, Private) offers RBL Home Loan; ICICI Bank (6,500+ branches, 17,000+ ATMs, Private) offers ICICI Home Loan, Express Home Loan and Money Saver. Differences lie in schemes, eligibility, digital experience and customer segments.
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Which banks saves you more?

rbl bank vs icici bank: RBL Bank offers RBL Home Loan with fast doorstep documentation and digital sanction with quick turnaround. ICICI Bank offers ICICI Home Loan, Express Home Loan and Money Saver with instant in-principle approval via iLens. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
RBL Bank
RBL Bank
Home Loan
Ambak Recommended
ICICI Bank
ICICI Bank
Home Loan
vs
Home loan comparison between RBL Bank and ICICI Bank
MetricRBL BankICICI Bank
Interest Rate
9% – 12%
7.5% – 9.5%
Interest Rate
9% – 12%
7.5% – 9.5%
Processing Fee
Rs. 15,000 + GST
5,000 + GST
Processing Fee
Rs. 15,000 + GST
5,000 + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
EMI per Lakh
₹900
₹806
EMI per Lakh
₹900
₹806

Why Choose RBL Bank Home Loan

RBL Bank is a Private lender with 550+ branches since 1943. Variants include RBL Home Loan, designed for salaried and self-employed borrowers. Key features include fast doorstep documentation, digital sanction with quick turnaround and balance transfer with top-up. RBL Bank suits borrowers looking for fast doorstep and digital sanction.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose ICICI Bank Home Loan

ICICI Bank is a Private lender with 6,500+ branches, 17,000+ ATMs. Variants include ICICI Home Loan, Express Home Loan and Money Saver, designed for salaried, self-employed and premium buyers. Key features include instant in-principle approval via iLens, step-up and step-down EMI and OD-linked Money Saver variant. ICICI Bank suits borrowers looking for fully digital journey with diverse variants.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate RBL Bank vs ICICI Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
ICICI Bank
ICICI Bank
7.5%
EMI
₹ 80,559
Interest
₹ 93,34,160
Total
₹ 1,93,34,160
Your Total Savings
₹ 22,59,360
RBL Bank
RBL Bank
9%
EMI
₹ 89,973
Interest
₹ 93,34,160
Total
₹ 2,15,93,520

RBL Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 9% is slightly higher than ICICI Bank's 7.5%
  • •Monthly EMI of ₹900/lakh is ₹94 more than ICICI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

ICICI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.5% — that's cheaper than RBL Bank's 9%
  • •You pay only ₹806/lakh per month — ₹94 less than RBL Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 5,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare RBL Bank with other banks

Compare ICICI Bank with other banks

RBL Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 9% is slightly higher than ICICI Bank's 7.5%
  • •Monthly EMI of ₹900/lakh is ₹94 more than ICICI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

ICICI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.5% — that's cheaper than RBL Bank's 9%
  • •You pay only ₹806/lakh per month — ₹94 less than RBL Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 5,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

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