Everyday banking, made simple

Your money, your way.

Open an account in minutes, pay with UPI, save, borrow and invest, all in one place.

Open an account See our rates
  • Bank-grade security
  • 24×7 support
  • Fully digital
Salary account
On bills & UPI2× rewards

Salary in. Rewards on.

  • Zero-balance account
  • Free UPI and debit card
Open an account Explore UPI
Fixed Deposit
Up to7.40% p.a.

Let your savings do the heavy lifting.

  • Extra 0.50% for senior citizens
  • Book online in minutes
See FD rates Try the calculator
New
Loan Buddy5 min

Just talk. We’ll fill the loan form.

  • In English or हिन्दी
  • You review every detail before submitting
Start my application All offers

Sample offers for demonstration. Terms and conditions apply.

01 — Made for you

Namaste, Aarav.
Here’s what matters today.

Tell us who you are and the page re-tunes itself. Sample data only; nothing here is a real offer.

Showing nuggets for a salaried in Pune

Pre-approved · sample

Personal Loan up to

₹8,50,000

at 10.99% p.a., 5 years. Based on a ₹1,00,000 monthly salary. No documents beyond Aadhaar and PAN.

Claim with Loan Buddy Sample offer for demonstration. Not a real approval.
40%
Smart money

Keep EMIs under 40% of income

On ₹1,00,000 a month that is ₹40,000. Banks look at FOIR, and below 50% is the comfort zone.

See how FOIR works
2×
Salary account

2× rewards on your salary account

Zero balance, free UPI, and 2× points on bills when your salary lands with RayBank.

Explore accounts
1.2 km
Near you

Viman Nagar branch is open till 4 pm

A Loan Buddy kiosk is available if you would rather finish your application in person.

Get directions
02 — Loans

A loan for every plan you have

Five loans, one assistant. Pick a type, or let Loan Buddy find the right fit.

Rates are indicative and for demonstration only. Subject to eligibility.

03 — Loan Buddy

Four steps. No forms to fight with.

Loan Buddy is an AI assistant that talks you through your application and fills the form as you answer. A real loan officer takes every decision.

Try Loan Buddy Ask a policy question
  • Aadhaar is always masked as XXXX XXXX 1234
  • English or हिन्दी, whichever you prefer
  • Switch to the regular form at any time
  1. 1

    Say hello & pick a loan

    Personal, Home, Car, Education or Business. Or just describe what you need.

    I want to buy a flat in Pune✓ Loan Type: Home
  2. 2

    Answer in your own words

    “Around 45 lakh”, “twenty years”, “1 lakh salary”. Loan Buddy understands and confirms each field it fills.

    around 45 lakh✓ Loan Amount (INR): 4500000
  3. 3

    Review & add documents

    See everything it filled, upload your Aadhaar photo, and fix anything with a tap.

    ✓ 9 of 9 required
  4. 4

    Submit & track

    Get an application number at once, and follow each step in your RayBank account.

    RB-HL-2026-004217
04 — EMI calculator

Know your EMI before you ask

Move the sliders. Amounts are shown the Indian way: lakh and crore.

₹10,00,000
₹50,000₹1 crore
9.50% p.a.
7%18%
10 years
1 year30 years
Your monthly EMI₹12,939
PrincipalInterest
Principal
Total interest
Total payable
Apply with Loan Buddy
05 — Offers

This season at RayBank

All offers
0%

Loan Buddy fee waiver

Zero processing fee on personal loans applied through Loan Buddy before 31 Oct.

Know more
7.40%

Festive 400-day FD

Special 400-day deposit. Senior citizens earn up to 7.90%.

Open an FD
5×

Festive card rewards

5× points on groceries, electronics and travel with RayBank credit cards.

See cards
₹500

UPI first-payment bonus

Make 5 UPI payments in your first week and earn a ₹500 cashback.

Start using UPI
8.35%

Home loan, floating

Lowest rate of the year. No prepayment charges. Balance transfer welcome.

Home Loan

Sample offers for demonstration only.

07 — Grow it

See your money grow

Quick estimates for deposits and monthly investing. All calculators

₹5,00,000
7.00% p.a.
3 years
You get at maturity₹6,16,000
Invested
Interest earned
Open a Fixed Deposit
₹10,000
12.0% p.a.
10 years
Estimated value₹23,23,391
Invested
Est. gains
Start a SIP

Returns are not guaranteed. Mutual fund investments are subject to market risks.

Why RayBank

₹5,00,000deposit cover per depositor
10 minaverage Loan Buddy chat to a filled form
1,240branches across Mumbai, Pune, Bengaluru, Delhi & more
256-bitencryption. Aadhaar always masked.

Sample figures for demonstration.

08 — Near you

Your city, your branch

1,240 branches and 4,800 ATMs. Pick a city to see the closest one.

Open now

Viman Nagar, Pune

Ground floor, Sai Plaza · 10 am – 4 pm · 1.2 km

  • Loan Buddy kiosk
  • ATM 24×7
  • Locker
Open branch locator
Sample testimonials: fictional customers

What customers say

I told Loan Buddy my salary and city, and it filled almost everything. I only had to add my Aadhaar photo.
AP
Aarav PatilPune · Personal Loan
It explained prepayment charges in simple Hindi and showed me the policy it was quoting from. That built trust.
SI
Sunita IyerBengaluru · Home Loan
Applied for my shop’s working capital between two customers. My application number came in minutes.
RK
Rohit KhannaDelhi · Business Loan
FAQ

Quick answers

What is Loan Buddy?
Loan Buddy is RayBank’s AI loan assistant. You chat, it fills your application, and you review before submitting. You can switch to the regular form any time.
Who can apply, and what documents do I need?
Salaried and self-employed Indian residents aged 21–65. You’ll need an Aadhaar photo, PAN, and income proof. Loan Buddy tells you exactly what applies to your loan type.
Is my Aadhaar number safe?
Your Aadhaar number is stored encrypted and is shown only as XXXX XXXX 1234 on screen, including to our staff.
Can I repay my loan early?
Yes. Prepayment rules depend on the loan type. Ask Loan Buddy for the policy and it will quote the source article.
Does Loan Buddy approve my loan?
No. Loan Buddy collects and checks your details. A RayBank loan officer reviews every application and makes the decision.

Take RayBank with you

Pay with UPI, track your application and chat with Loan Buddy, all from the RayBank app.

Get it onGoogle PlayDownload on theApp Store