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Home > Business > Micro & Small Business Banking > Products
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Ratna Pragati

Collateral free loans specifically for women under Joint Liability Group mechanism.

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Ratna Samrudhi

Loans for micro enterprises to meet their working capital as well as fixed asset finance requirements.

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Ratna Unnatti

Collateral free individual loans given in a group for different economic activities and also for consumption purpose.

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Ratna Business

Loans to trading, manufacturing and service enterprises with average annual turnover less than Rs.50 cr.

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Ratna Pragati

  • Eligibility: Married women in the age group of 18 to 55.
  • Purpose:For income generating activities.
  • Loan Amount: Rs.15,000 to Rs.25,000
  • Checklist:
    • - KYC Documents (Valid ID Proof & Address Proof)
    • - Aadhaar Card (if available)
    • - Member of Joint Liability Group
    • - Must be staying in the same place for at least 3 years

Ratna Unnatti

  • Eligibility: Married men & women in the age group of 18 to 55 (from the same area).
  • Purpose: For income generating activities and general purpose.
  • Loan Amount: Rs.10,000 to Rs.50,000
  • Checklist:
    • - KYC Documents (Valid ID Proof & Address Proof)
    • - Aadhaar Card (if available)
    • - Proof of Business
    • - Member of Joint Liability Group
    • - Must be involved in economic activity at least for 3 years

Ratna Samrudhi

  • Eligibility: Companies, professionals & self-employed Individuals in the age group of 21 to 60.
  • Purpose: To meet credit needs, working capital requirements, repairs, renovations, expansion and purchase of machinery.
  • Loan Amount: Rs.1 lakh to Rs.20 lakhs
  • Checklist:
    • - KYC Documents (Valid ID Proof & Address Proof)
    • - Proof of Business
    • - Financial Statements of 3 years (Certified or audited)
    • - Must be staying in the same place for at least 2 years
    • - Minimum 3 years of experience of the current business

Ratna Business

  • Eligibility: All trading, manufacturing and service enterprises with average annual turnover less than Rs.50 cr will be eligible for the loan. A minimum track record of three years.
  • Purpose: To meet credit needs, working capital requirements, repairs, renovations, expansion and purchase of machinery.
  • Loan Amount: Rs.10 lakhs to Rs.5 crores
  • Checklist:
    • - Firm/Company Profile
    • - KYC Documents (Valid ID Proof & Address Proof)
    • - Proof of Business
    • - Bank Statement of the last six months
    • - Property Papers including title deed, completion certificate, occupancy certificate, tax receipt & sanction plan
    • - Audited financial statements of last two years along with the IT return and tax audit report and schedules & notes accounts
    • - IT PAN card of concern (Entity) and all Promoters / Directors / Partners
Ratna Pragati  PDF
Ratna Unnati  PDF
Ratna Samrudhi  PDF
Ratna Business  PDF

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What's New


  • You can continue enjoying our Net-Banking, Mobile Banking & Phone Banking services round the clock on all days at your convenience. However, please note that as per RBI directive, there will be no clearing/NEFT/RTGS on 2nd & 4th Saturdays, Sundays and Public Holidays of the month. Please reschedule any standing instructions scheduled for these days on Net-banking.
  • Earn More – RBL Bank now offers Higher Interest Rates on its Savings Accounts,w.e.f July 8th, 2015
  • RBL Bank has been recognised by the World Economic Forum as a Global Growth Company, 2014
  • RBL Bank has been rated as India's Best Bank (Growth) in the mid-sized Banks segment in the 2012, 2013 & 2014 - Business Today-KPMG study
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