Karnataka Bank Home Loan – Interest Rates 2024, EMI Eligibility Calculator

KBL APNA GHAR (Home Loan) Scheme of Karnataka Bank. Find ✓ Best interest rates ✓ Eligibility at Deal4loans. Compare ✓ Documents ✓ Repayments options ✓ Margin amount ✓ Prepayment charge ✓ Processing fees.

Karnataka Bank Home loan Interest Rates

Interest Rates 8.25% – 10.31%
Period of Loan Upto 15 years
Pre payment Charges Nil
Amount of Finance upto Rs.50 lakh
Cibil Score Min. 750
Lowest EMI Rs. 731
Min. Income Rs.8000/- p.m
Margin 20% to 30%

Who is eligible for Karnataka Bank housing loan schemes?

✓ Individuals who are residents of India.
✓ Salaried persons aged 21 years and above. They should be in confirmed service in the present employment and must have total regular employment for a minimum period of 3 years and a minimum gross monthly salary  of Rs. 6000/-.
✓ Businessmen / Professionals / self employed persons aged 21 years and above. Further, the period of loan plus age of the borrower should not exceed 70 years. They should be in business for a minimum period of 3 years and a minimum gross annual income of Rs.60,000/-.

Karnataka Bank Home Loan EMI Calculator

You can calculate your required loan amount EMI per month on the basis of interest Rates & No of Repayment Years.

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
 
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

Amount of Finance:

For purchase / construction
✓ 60 times the last drawn monthly take home (net) salary in case of salaried persons   Or
✓ 5 times the latest annual net income + depreciation provided, if      any, as per Profit & Loss A/c in case of traders / professionals / self employed persons  Or
✓ Rs.50 lakh whichever is lower.

For renovation / repairs: Upto Rs.10 lakh or 40% of the value of the house / flat, whichever is lower.

Period of Loan: Up to 15 years. Repayment holiday up to 18 months considered.

Margin:

✓ 20% for construction of a house on a land already owned.
✓ 25% of  the  total  cost  in  the  case  of  a  house  /  flat  not  older  than  5  years.
✓ 30% of the total cost in the case of a house  /  flat over  5 years old but not older than 20 years.
✓ 30% of the cost for renovation / repair, subject to maintaining 40% margin on the value of the house /  flat.

List of Major Bank Branches of Karnakata Bank for Retail Loans in India

City Branch Address
Guntur P.B.NO.191, BEHIND HINDU COLLEGE, G.T.ROAD,GUNTUR,ANDHRA PRADESH-522003
Guntur D.NO.4-14-106,ANANDA NILAYAM,NEAR ANJANEYA SWAMY TEMPLE, AMARAVATI ROAD,GUNTUR,ANDHRA PRADESH-522 007
Vijayawada D.No.27-20-51,Ground Floor,Lakshmiram Plaza, Museum Road,Governorpet,VIJAYAWADA,ANDHRA PRADESH-520002
Vishakapatnam 9-1-221/1, NEAR RAMA TALKIES JUNCTION, C.B.M.COMPOUND, MADDILAPALEM ROAD,VISAKHAPATNAM,ANDHRA PRADESH-530003
Raipur PLOT NO. 2, FAFADIH CHOWK, JAIL ROAD (MEDICAL COLLEGE ROAD),RAIPUR,CHHATTISGARH-492009
New Delhi 11/8, WEST PATEL NAGAR, ,NEW DELHI,DELHI-110008
New Delhi F-90,Ground Floor, Lajpat Nagar-II,NEW DELHI,DELHI-110024
New Delhi M-13A, (OUTER CIRCLE) PUNJ HOUSE, 1ST FLOOR, CONNAUGHT CIRCUS,NEW DELHI,DELHI-110001
New Delhi DELHI KARNATAKA SANGH BUILDING, RAO TULARAM MARG SECTOR 12 R K PURAM,NEW DELHI,DELHI-110022
New Delhi No. 6, GROUND FLOOR, JAIN COLONY, VEER NAGAR, KARNAL ROAD,NEW DELHI,DELHI-110007
Delhi PLOT NO. 5439/71, MAIN ARYA SAMAJA ROAD, KAROL BAGH,NEW DELHI,DELHI-110005
Delhi A-4/45, PASCHIM VIHAR, ,NEW DELHI,DELHI-110063
Delhi D-59, OPP. SAPNA CINEMA, SAPNA ROAD,NEW DELHI,DELHI-110065
Delhi K-10,GROUND FLOOR, KALKAJI,NEW DELHI,DELHI-110 019
Rajkot PRAMUKH PARADISE,YOGINIKETAN PLOT, NIRMALA CONVENT ROAD,RAJKOT,GUJARAT-360005
Surat K.G.CHAMBERS, UDHNA DARWAJA, RING ROAD, OPP. GUJARAT SAMACHAR PRESS, P.B.NO. 386,SURAT,GUJARAT-395002
Vadodara SURYA KIRAN COMPLEX, OLD PADRA ROAD, NEAR TAGORE NAGAR, VIDUTNAGAR,VADODARA (BARODA),GUJARAT-390015
Gurgaon PLOT NO 14, GROUND FLOOR, SCO – 14, SECTOR – 14,GURGAON,HARYANA-122001
Gurgaon SCO No:28,Huda Main Market, SECTOR 31,GURGAON,HARYANA-122 001
Faridabad SCO.149,Ground & First Floor, SECTOR 21C, SHOPPING CENTRE,FARIDABAD,HARYANA-121 012
Bangalore B B ENCLAVE,NEW INTERNATIONAL AIRPORT, HUNASEMARANAHALLI-562157,BANGALORE URBAN DIST.,BENGALURU-RURAL,KARNATAKA-562157
Bangalore # 5006/5011, LAKSHMI COMPLEX, B.H. ROAD, SUBHASHNAGAR, NELAMANGALA,BENGALURU-RURAL,KARNATAKA-562123
Bengaluru No.-87,MICO MAIN ROAD,VINAYAKA NAGAR, (OPP. RTO),NAGANTHAPURA,BENGALURU-URBAN,KARNATAKA-560100
Bengaluru NO.569/570,1st MAIN ROAD, KENGERI SATELLITE TOWN,BENGALURU-URBAN,KARNATAKA-560060
Mysore NO. 2954, K-12/4, J.L.B. ROAD, CHAMUMDIPURAM CIRCLE, P.B.NO.385,MYSURU,KARNATAKA-570004
Trivandrum S.NO.703/1, 1ST FLOOR, MUTHUPPA BUILDING, THAKARAPARAMBU ROAD, PAZHAVANGADI, P.B.NO.5082,THIRUVANANTHAPURAM,KERALA-695023
Kozhikode ROOM NO.4, JAYANTHI BUILDINGS, 1ST FLOOR, PALAYAM, P.B.NO.140,KOZHIKODE,KERALA-673001
Indore UG-1,2 & 9,#10/2,CAPTAIN C S NAIDU ARCADE, GREATER KAILASH ROAD, OLD PALASIA.INDORE,INDORE,MADHYA PRADESH-452001
Bhopal GROUND FLOOR- SADANA TOWERS- 2A,BHOPAL,MADHYA PRADESH-462011
Gwalior GROUND FLOOR BKG HOUSE,OPPP:SANJAY COMPLEX, JAYENDRAGANJ,GWALIOR,MADHYA PRADESH-474 009
Mumbai GROUND FLOOR, DON BOSCO HIGH SCHOOL BUILDING, VAZIRA NAKA,BORIVLI (WEST),MUMBAI,MAHARASHTRA-400091
Mumbai 20-21, OSHIWARA LINK PLAZA, MHADA COMPLEX, OSHIWARA, JOGESHWARI (WEST),MUMBAI,MAHARASHTRA-400102
Mumbai PLOT NO.321-322 ST.ANTHONYS INSTITUTE,MUMBAI,MAHARASHTRA-400050
Mumbai B/13,MATRU ASHISH,NEXT TO BALBHARATI SCHOOL, S V ROAD,KANDIVLI WEST,MUMBAI,MAHARASHTRA-400067
Mumbai Ground Floor, MTNL CETTM Building,Main Street, Hiranandani Gardens,Powai,MUMBAI,MAHARASHTRA-400076
Nagpur P.B.NO.417, JAISHREE, 365A, 1ST FLOOR, NEAR LAD COLLEGE SQUARE, GANDHI NAGAR,NAGPUR,MAHARASHTRA-440010
Pune DOOR NO. 84/4, 1ST FLOOR, EVEREST HOUSE, TUPE COMPLEX, NEAR VAIBHAV THEATRE, SOLAPUR ROAD, HADAPSAR,PUNE,MAHARASHTRA-411028
Nashik CANADA CORNER OPPOSITE VASANT MARKET, GANGAPUR LINK ROAD,NASIK,MAHARASHTRA-422005
Thane SHOP NO. 12, “VIHANG GARDEN”, POKARAN ROAD NO. 1, VARTAK NAGAR,THANE,MAHARASHTRA-400606
Amritsar 35B-(36-13)-SCO3- AVENTURA MALL,AMRITSAR,PUNJAB-143001
Ludhiana B-15/179, 1ST FLOOR, SONA COMPLEX, NIRANKARI KUCHA NO.4, P.B.NO.789, MILLERGANJ, G.T.ROAD,LUDHIANA,PUNJAB-141003
Mohali S C F 43, PHASE-3-B-II, SECTOR-59, S.A.S. NAGAR, ROOPNAGAR,MOHALI,PUNJAB-160059
jaipur C-13.GROUND FLOOR,VAISHALI MARG, VAISHALI NAGAR.,JAIPUR,RAJASTHAN-303 021
Erode DOOR NO.15A, GANDHIJI ROAD, P.B.NO.192,ERODE,TAMILNADU-638001
Madurai 39-41, 1ST FLOOR, P.B.NO.78, TOWN HALL ROAD,MADURAI,TAMILNADU-625001
Trichy No 72,Kanchana Enclave, 7th Cross,Thillai Nagar,TRICHY,TAMILNADU-620018
Vellore PLOT NO-A-1,SUNDRAM COMPLEX,PHASE-II, TNHB(NEAR COLLECTOR OFFICE),SATHUVACHARI,VELLORE,TAMILNADU-632009
Hosur D.NO 74,3rd CROSS, KAMARAJ COLONY,HOSUR,TAMILNADU-635 109
Noida F-27/28, Sector -18, SECTOR-18, NOIDA,NOIDA,UTTAR PRADESH-201301
Varanasi 1st FLOOR, KANHAIYA CHITRA MANDIR COMPLEX, BADADEV, GODOWALIA,VARANASI,UTTAR PRADESH-221001
Chandigarh SCO NO.2909 & 2910,SECTOR 22-C, DAKSHIN MARG,CHANDIGARH,U.T.OF CHANDIGARH-160022
Chandigarh SCO 311,SECTOR 38D, ,CHANDIGARH,U.T.OF CHANDIGARH-160036
Chandigarh 1ST FLOOR, ?SHUBHAM?, 1, SAROJINI NAIDU SARANI, PARK STREET,KOLKATA,WEST BENGAL-700017
Kolkata NO. C J -161, JANAKI KUNJ, SECTOR II, SALTLAKE CITY, [PARA],KOLKATA,WEST BENGAL-700091
Hyderabad PLOT NO.50, SRINAGAR COLONY, A.P. GOVT. OFFICERS CO-OP. BLDG. SOCIETY, BANJARA HILLS,HYDERABAD,TELANGANA-500073
Hyderabad NO. 3-4/1, A K REDDY COMPLEX, CHAITANYAPURI, DILSUKHNAGAR,HYDERABAD,TELANGANA-500060
Hyderabad 6-3-1219/24, GROUND FLOOR, UMA NAGAR, BEGUMPET,HYDERABAD,TELANGANA-500 016
Warangal NO.12-2-6, 1ST FLOOR, JANDHYAM COMPLEX, S.V.N. ROAD,WARANGAL,TELANGANA-506002
Patna SR,01,DukhaRam Plaza,, Exhibition Road, Near Ghandhi Maidan,,PATNA,Bihar-Patna

Available Products of Karnataka Bank:

Karnataka Bank Home Loan

Karnataka Bank Personal Loan

Karnataka Bank Car Loan

Karnataka Bank Fixed Deposit

Karnataka Bank Two Wheeler Loan

Check Free Cibil Score
Apply Here
I authorize Deal4loans.com & its partnering banks to contact me to explain the product & I Agree to Privacy policy and Terms and Conditions.
Top Banks for Home Loans in India
Banks Interest Rates
SBI 8.60% - 9.65%
HDFC Bank 8.50% - 9.40%
ICICI Bank 9.00% - 9.10%
LIC Housing Finance8.50% - 10.50%
PNB Housing 8.50% - 11.95%
Axis Bank 8.75% - 9.15%
Bank of Baroda 9.15% - 10.50%
Canara Bank 8.90 %- 11.25%
Aadhar Home loan N.A