Karnataka Bank Personal Loan

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  • Loan Amount: Varies by Customer
  • Processing Fees: Upto 0.50%

Apply for Personal Loan Starting From 10.50%*

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City: Gurgaon

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :31/03/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :31/03/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 31/03/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :31/03/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 31/03/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :31/03/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :31/03/2020

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Updated: 15-11-2019 12:37:53 PM

Karnataka Bank Personal Loan can be availed for both that is personal as well as business purposes. This loan is categorized into 3 categories, namely,Salary Loan, Insta Loan and Ravi Kiran Loan (Solar Energy). The loan ensures to fulfill various requirements of rural as well as urban population with less formalities and quick procedure.

Table of Contents
Karnataka Bank Personal Loan - Features and Benefits
Karnataka Bank Personal Loan - Interest Rate, Fees and Charges
Karnataka Bank Salary Loan
Karnataka Bank Insta Cash
Karnataka Bank Ravi Kiran Loan (Solar Energy)
Karnataka Bank Personal Loan - Documents Required
Karnataka Bank Personal Loan - EMI Calculator
Compare Karnataka Bank Personal Loan VS Other Lenders
How to Apply for Karnataka Bank Personal Loan at Paisabazaar?
Karnataka Bank - Customer Care
Karnataka Bank Personal Loan - Features and Benefits
  • Loan amount: The loan amount for Karnataka Bank Personal Loan varies as per the category- Salary Loan(Upto Rs. 5 lakh), Insta Cash Loan(Upto Rs. 500 lakh) and Ravi Kiran Loan for Solar Energy(Upto Rs. 10 lakh)
  • Flexible tenure: The personal loans offered by Karnataka Bank can be repaid maximum by 60 months. The bank offers complete flexibility when it comes to choosing the tenure
  • Loan schemes: Karnataka Bank offers three personal loan schemes to fulfill various personal and professional needs of individuals
  • Easy application: Karnataka Bank personal loan can be applied online by submitting minimum documents from the comfort of your home
Karnataka Bank Personal Loan - Interest Rate, Fees and Charges
Interest RatesSalaried loanInsta CashRavi Kiran Loan (Solar Energy)
Starting from 13.15%Starting from 11.60%Starting from 11.85%
Processing fee0.50% of the advance subject to a minimum of Rs. 250
Stamp Duty and other Statutory ChargesAs per applicable laws
Pre-payment chargesNo
Karnataka Bank Salary Loan

You can avail Karnataka Bank Salary Loan to deal with financial situations like higher education, purchase of household articles/consumer durables, marriage, medical expenses, home renovation, etc. The loan amount goes up to Rs. 5 lakh.

Karnataka Bank Salary Loan – Eligibility Criteria

  • You should be a permanent employee of listed companies, colleges or universities, schools
  • You should have at least 3 years of residual service
  • Your minimum age should be at least 21 years

Karnataka Bank Salary Loan – Security

  • Upto Rs. 3 lakh:Co-obligation ofsolvent party / co-employee who should be a permanent employee of reputed companies, schools, colleges or universities
  • Above Rs. 3 lakh:Co-obligation of solvent party / co-employee who should be a permanent employee of reputed companies, schools, colleges or universities and Liquid security of LIC policies(SV), NSC, deposits to the extent of 25% of the limit
Karnataka Bank Insta Cash

Karnataka Bank Insta Cash is an ideal option to deal with business related financial situations. The loan amount offered under Insta Cash category varies from Rs. 10.000 to Rs. 500 lakh.

Karnataka Bank Insta Cash – Eligibility Criteria

Any individual who is at least 18 years, joint borrowers or partnership firms or Hindu undivided family business are eligible for this loan

Karnataka Bank Insta Cash – Security

Pledge NSCs/ Post Office Time Deposits/ Kisan Vikas Patras

Karnataka Bank Insta Cash – Repayment

  • The maximum repayment period for fixed loan is 60 months and over draft facility is 24 months
  • The loan must be repaid on the due dates as a lump sum or monthly/ quarterly/ half yearly/ yearly installments
Karnataka Bank Ravi Kiran Loan (Solar Energy)

Ravi Kiran Loan (Solar Energy) can be applied for the installation of solar lighting system, solar lantern, solar water heating system, etc. The maximum loan amount that can be availed goes up to Rs. 10 lakh.

Karnataka Bank Ravi Kiran Loan (Solar Energy)- Eligibility Criteria

Individuals/ HUF/Farmers /Traders /Businessmen /Proprietorship concerns /Professionals /Salaried persons /Institution, etc.

Karnataka Bank Ravi Kiran Loan (Solar Energy)- Security

  • Hypothecation of solar energy products with accessories installed
  • Third party solvent co-obligation/guarantee
Karnataka Bank Personal Loan - Documents Required

The basic documents required to avail Karnataka Bank personal loan are as follows:

  • Proof of Identity like Passport/ PAN Card, Aadhar card, Voter’s ID, Driving License
  • Proof of Residence like Utility Bill, Passport or Lease and License Agreement
  • Bank Statement for the last 3 months with income details
  • Salary slip for the last 3 months
  • 2-3 Passport Size photographs

Note: As per the type of personal loan you avail, you might be asked to submit some additional documents by the bank.

Karnataka Bank Personal Loan - EMI Calculator

It is more convenient to use Paisabazaar’s personal loan EMI calculator in order to estimate your monthly EMI payouts of Karnataka Bank personal loan rather than calculating it manually. As, the EMI calculator saves your time and tells you the EMI within seconds.

  • Go to the Personal Loan EMI calculator
  • Scroll the sliders to loan principal amount, the applicable interest rate and the required loan tenure
  • Get instant results
Compare Karnataka Bank Personal Loan VS Other Lenders
ParticularsKarnataka BankSBIAxis BankHDFC BankCiti BankICICI BankBajaj Finserv
Interest RateStarting from 11.60%Starting from 11%11.49% to 17.49%11.25% to 21.50%Starting from 10.99%11.50% to 19.25%Starting from 12.99%
TenureUpto 60 months6 to 71 months12 to 60 months12 to 60 months12 to 60 months12 to 60 months12 to 60 months
Loan amountVaries from customer to customerUpto Rs. 20 lakhRs. 50,000 to Rs. 15 lakhUpto Rs. 40 lakhUpto Rs. 30 lakhUpto Rs. 20 lakhUpto Rs. 25 lakh
Processing Fee0.50% of the advance subject to a minimum of Rs. 250Upto 2% of loan amount plus GSTUpto 2% of loan amount plus GSTUpto 2.50% of the loan amount plus GSTUpto 3% of the loan amount plus GSTUpto 2.25% of loan amount plus GSTUp to 3.99% of the loan amount plus GST
Apply NowApply NowApply NowApply NowApply NowApply NowApply Now
Karnataka Bank - Customer Care
  • You can call on 1800-425-1444 or 080-220-215-07/08/09
  • You can send an email on info@ktkbank.com
FAQs
What is the minimum and maximum quantum of loan over the range of personal loan schemes offered by the bank?
Is any security required when the applicants apply for a Karnataka Bank personal loan?
How do I apply for Karnataka Bank personal loan offline?
What is the minimum and maximum quantum of loan over the range of personal loan schemes offered by the bank?

The range of minimum and maximum value of loan would be from Rs.10, 000 to a maximum of Rs.500 lakhs

Is any security required when the applicants apply for a Karnataka Bank personal loan?

Yes, Karnataka Bank offers personal loans with the requirement of pledging a security for the loan to be sanctioned. The security can be a mortgage of the property, either residential or commercial owned by the applicant, pledge of Government securities held like NSCs or KVPs, third party guarantee from a person who is solvent enough to provide a guarantee or a guarantee from the applicant’s spouse.

How do I apply for Karnataka Bank personal loan offline?

You can visit the nearest branch to apply for Karnataka Bank personal loan offline. You can locate the nearest branch here.

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