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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

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I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Got loan yesterday

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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