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Karnataka Bank Personal Loan

Karnataka Bank Personal Loan is available at 13.71% p.a. for loan amounts of up to Rs 5 lakh and tenures of up to 5 years. Government as well as private sector employees are eligible to apply for the loan and can avail it through digital process at their own convenience.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Karnataka Bank Personal Loan

  • Interest Rate: 13.71% p.a.
  • Loan Amount: Up to Rs 5 lakh
  • Loan Tenure: Up to 5 years
  • Processing Fees: Up to 2% of loan amount (Min. Rs 2,500 & Max. Rs 8,500)

Karnataka Bank Personal Loan Interest Rates

Karnataka Bank Personal Loan interest rate for salaried applicants (for both private & government employees) is 13.71% p.a. While the bank has not disclosed differentiated personal loan interest rates on the basis of parameters like the applicant’s credit score, employer’s profile, EMI/NMI ratio, employer’s profile, etc., most banks and NBFCs look into these parameters when setting interest rates for their personal loan schemes. Therefore, before applying for a personal loan, individuals (especially those with good credit profile) should compare offers from as many lenders as possible.

Karnataka Bank Personal Loan Processing Fees and Other Charges

Processing Charges
  • For loan amount of up to Rs 1 lakh: Rs 2,500
  • For loan amount above Rs 1 lakh: 2% of loan amount, subject to a minimum of Rs 2,500 and a maximum of Rs 8,500

Types of Karnataka Bank Personal Loan

KBL Xpress Cash Loan

  • Purpose: Karnataka Bank offers KBL Xpress Cash Loan to government and private sectors employees having at least 6 months of work experience. The loan has no end-use restriction; and therefore can be availed to cover any personal or business related expenses.
  • Tenure: Up to 5 years
  • Loan Amount: Up to Rs 5 lakh
  • Processing Fees: Up to 2% of the loan amount, subject to a minimum of Rs 2,500 and a maximum of Rs 25,000 for salaried customers

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Eligibility for Karnataka Bank Personal Loan

Customers planning to apply for Karnataka Bank Personal Loan must meet its eligibility criteria given as below:

  • Indian residents working in government and private sectors with at least 6 months of work experience can apply for the loan.
  • The age of the applicant should be at least 21 years.
  • The applicant should not have an existing unsecured personal loan from Karnataka Bank.

While evaluating your personal loan eligibility, the bank may also look into your credit score, minimum income and repayment capacity.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Karnataka Bank Lenders

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I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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Exceptional Support During Loan Process

I’m writing to express my sincere appreciation for Mohammad Shazeb (Employee Code: EW33348) for the excellent support he provided during my recent loan process. There was a complication with the KYC verification, and Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly.

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Outstanding Assistance from Ms. Seema Kumari

I would like to express my sincere appreciation for Ms. Seema Kumari (Employee ID: EW32347) for her exceptional support in helping me secure a personal loan.

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I had the opportunity to interact with Ms. Yashi Saxena (Employee Code: AW22197) while applying for a loan from Poonawalla Fincorp. I am extremely satisfied with her guidance, support, and professionalism throughout the process. She explained each step very clearly, helped me understand the details, and ensured that the process went smoothly. Her assistance made my loan journey hassle-free.

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