Karur Vysya Bank Home Loan
Karur Vysya Bank Home Loan
Karur Vysya Bank Home Loan
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Karur Vysya Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Karur Vysya Bank Home Loan Key Highlights
Loan Amount As per the applicant's repayment capacity and current market value of the property
Rate of Interest Starts at 9.0% per annum
Processing Fee INR 2,500
INR 7,500
Maximum Tenure for Repayment 25 years (Including Holiday Period)
Rate Packages Floater/ Fixed
Charges for Prepayment/Foreclosure Nil
Karur Vysya Bank Home Loan Interest Rates in 2026
Karur Vysya Bank is known for affordable housing loan schemes offered with minimum documentation and easy eligibility criteria. The home loan interest rates at Karur Vysya Bank start at 9.0% per annum and can go up to 10.73% per annum.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Repo Rate + Spread (For Salaried) | 8.95% - 11% p.a. |
| Repo Rate + Spread (For Self Employed) | 8.95% - 11% p.a. |
| Rate of Interest (For Salaried) | 8.95% - 11% p.a. |
| Rate of Interest (For Self Employed) | 8.95% - 11% p.a. |
Karur Vysya Bank Home Loan Eligibility Criteria
KVB offers home loans to salaried and self-employed or non-salaried applicants who are Indian Residents, NRIs, or PIOs. But to get a home loan from Karur Vysya, every applicant must fulfill the pre-defined Karur Vysya Bank home loan eligibility criteria.
For Salaried Individuals
Age Range (in years)
23 years - 65 years
Nationality
Indian Resident/ NRIs/ PIOs
Minimum Income Earned
For Self-Employed Individuals
Age Range (in years)
23 years - 65 years
Nationality
Indian Resident/ NRIs/ PIOs
Minimum Income Earned
Karur Vysya Bank Home Loan Processing Fee and Charges
The Karur Vysya home loan processing fee is different for different loan amount categories and starts at Rs. 2,500 + GST for loans up to Rs. 25 lakh. Besides the processing fee, the bank doesn't charge much for any other operation related to a housing loan scheme. The table below highlights all fees and charges levied by KVB:
| Processing Fee | Loans up to Rs. 25 lakh: Rs. 2,500 + GST Loans between Rs. 25 lakh and Rs. 50 lakh: Rs. 5,000 + GST Loans above Rs. 50 lakh: Rs. 7,500 + GST |
| Prepayment/ Foreclosure Charges | Nil |
Karur Vysya Bank Home Loan Schemes and Top Plans
Karur Vysya Bank offers a wide range of home loan schemes to meet the varied needs of different types of applicants at affordable rates of interest. The list below highlights the top Karur Vysya Bank home loan schemes:
- Ideal home loan scheme for Indian residents, including Hindu Undivided Families or HUFs
- Maximum loan repayment tenure of up to 30 years
- Minimum rate of interest starts at 8.95% and goes up to 11% per annum
- Perfect home loans for NRIs and PIOs
- Maximum loan tenure of up to 25 years
- Minimum rate of interest starts at 8.95% and goes up to 11% per annum
- Flexible repayment options
- Maximum loan repayment tenure of up to 30 years
- Minimum rate of interest starts at 9.20% and goes up to 10.55% per annum
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Karur Vysya, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Karur Vysya Bank Home Loan
Like all other banks and NBFCs, Karur Vysya Bank also asks for a set of documents to verify an applicant’s eligibility for a home loan. These include general KYC documents such as proof of identity, age, address, age, and income. Have a look at the complete Karur Vysya home loan documents required list mentioned below for your convenience:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
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| Identity & Address Proof |
|
| Documents Related to Property |
|
Apply Home Loan Through BASIC Home Loan
The Karur Vysya Bank home loan apply online procedure is quite simple. All you need to do is follow the below-mentioned steps to apply for a Karur home loan online: Apply for a Home Loan Through the BASIC Home Loan website
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
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A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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