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.
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 Personal Loan
✓ Karnataka Bank Fixed Deposit
