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Karur Vysya Bank Personal loan

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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

About Karur Vysya Bank Personal Loan

  • Karur Vysya Bank offers short term as well as long term personal loans to meet the personal requirements of the applicants.
  • The loan process is quick and paperless.
  • The bank provides in-principle sanction in 15 minutes to applicants having a good CIBIL score.
  • Applicants can avail a maximum loan amount of up to Rs.10 lakh depending on their repayment capacity.
  • The Net Take Home pay after deducting the EMI of the proposed loan shall be at least 25% of gross pay.

Karur Vysya Bank Personal Loan Highlights

Interest rate 13.15% p.a. to 14.15% p.a.
Loan amount Up to Rs 10 Lakh
Loan tenure 1 to 5 years
Processing fee 1.50% of the requested loan amount

Note: Interest rates as on 19 September 2024

Interest Rates of Karur Vysya Bank Personal Loan

The Karur Vysya Bank Personal Loan interest rates range between 13.15% to 14.15%. However, the final personal loan interest rates offered to the loan applicant would vary according to the credit score, monthly income, job profile, employer’s profile, etc. of the loan applicant.

Comparison of Karur Vysya Bank Personal Loan Interest Rate vs Other Lenders

Banks/NBFCs Interest Rates(p.a.)
Bajaj Finance 10% - 31% p.a.
Axis Bank 9.99% onwards
IndusInd Bank 10.49% onwards
IDFC FIRST Bank 10.99% onwards
HDFC Bank 9.99% onwards
ICICI Bank 10.60% onwards
Kotak Mahindra Bank 10.99% onwards
Tata Capital 11.99% onwards
Federal Bank 12.00% onwards
DMI Finance Up to 24%
L&T Finance 11.00% onwards
Kreditbee 12.00% - 28.25%
MoneyTap 13.00% onwards
Piramal Finance 11.99% onwards
Aditya Birla 10.99% onwards
Moneyview 14%-36%
Cashe 33.50% onwards

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Fees and Charges of Karur Vysya Personal Loan

Processing fee Personal loan: 1.50% of the loan requested amountInsta loan: 0.50% of the loan amount subject to a minimum of Rs. 1,000/- + GST.
Foreclosure charges NIL (under floating rate of interest)

Types of Karur Vysya Bank Personal Loan

Personal Loan (Usecured)

  • Purpose: to meet personal needs and unforeseen emergencies of the borrowers
  • Loan amount: Rs 50,000 to Rs 10 lakh
  • Loan tenure: 1-5 years

Insta Loan

  • Purpose: Karur Vysya Bank offers Insta Loan particularly for the permanent employees of reputed companies, schools, government institutions, etc to meet their (including their dependents’) medical, housing, education and other such expenses. The bank also asks for a demand promissory note as the primary security and personal guarantees from different employees for personal loans.
  • Loan tenure: 6 years or remaining service period, whichever is lower.

Eligibility Criteria Required to Avail Karur Vysya Personal Loan

Unsecured Personal Loan

  • For salaried: The net take-home pay after deducting the proposed loan installments shall be 25% of the gross pay
  • For self-employed individuals: IT returns

Insta Loan

  • The net take-home pay after deducting the proposed loan installments should be 25% of the gross pay.
  • Only permanent employees of reputed companies, schools, and government institutions with a minimum confirmed service of 2 years and an unexpired service of 1 year, who are non-defaulters of any other bank or financial institution.

Documents Required for Karur Vysya Personal Loan

Unsecured personal loan

For salaried individuals

  • Salary certificate
  • Undertaking from the employer will be required to deduct loan installments and interest from the borrower’s salary.
  • For self-employed individuals: IT returns to ensure income and repayment capacity

Insta Loan

  • Undertaking Letter from the competent pay disbursing authority
  • Availability of financials of Corporate/ Firms/ Trusts etc., and ensuring that they are in existence and profit making for the last three years.

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

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s 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. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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