Karnataka Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Karnataka Bank Personal Loan Key Features

Eligibility Criteria

Details

Age 18-58 years(at loan maturity)
CIBIL score 750
Karnataka Bank Personal Loan Interest Rate 9.99% p.a.
Lowest EMI per lakh Rs. 2,283
Tenure 06 to 60 months
Karnataka Bank Personal Loan Processing Fee 1% of the loan amount
Prepayment Charges NIL
Part Payment Charges NIL
Minimum Loan Amount Rs. 10,000
Maximum Loan Amount Rs. 5 lakhs

Each Feature Explained in Detail Below


Karnataka Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score criteria 750 and above
Age criteria 18-58 yrs(at loan maturity)
Min Income criteria Rs. 20,000
Occupation criteria Salaried/Self-Employed

Karnataka Bank Personal Loan Interest Rate and Charges

Karnataka Bank Personal Loan Interest Rate 9.99% p.a.
Karnataka Bank Personal Loan Processing Charges 1% of the loan amount
Prepayment Charges NIL
Stamp Duty NIL
Cheque Bounce Charges NIL
Penal Interest NIL
Floating Rate of Interest NIL

Karnataka Bank Personal Loan Documents Required

Form Duly filled application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income > ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months

Karnataka Bank Personal Loan EMI Calculator

EMI Calculator

 

Karnataka Bank Personal Loan Compared to Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Karnataka Bank 9.99% 06 to 60 months Up to Rs. 5 lakh/1%-2%
HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank 11.50% to 19.25% 12 to 60 months Up to Rs. 20 lakh / Up to 2.25% of the loan amount

 

Other Loan Products from Karnataka Bank

Karnataka Bank Gold Loan Karnataka Bank Car Loan Karnataka Bank Home Loan Karnataka Bank Business Loan
Karnataka Bank TWL Karnataka Bank LAP Karnataka Bank Credit Card Karnataka Bank Education Loan

Karnataka Bank Personal Loan

 

Why should you apply for Karnataka Bank Personal Loan with Dialabank?

Dialabank provides the best services all over the country. If you apply for Karnataka Bank’s Personal Loan with Dialabank, you will get your loan approval process faster. Dialabank has the operators for giving you guidance about the procedure of personal loan in a detailed manner.

 

How to Calculate EMIs for Karnataka Bank Personal Loan

The information required for the calculation of your Karnataka Bank’s Personal Loan EMI is given below::

  1. Amount of the Loan
  2. Rate of Interest
  3. Loan Tenure

Put these values in the calculator below and find your monthly EMIs

EMI Calculator.

 

Karnataka Bank Personal Loan Processing Time

Karnataka Bank’s Personal Loan Processing Time is the time taken in your loan application process. 2 days is the processing time for the personal loan.

Karnataka Bank Personal Loan Preclosure charges

Karnataka Bank’s Personal Loan Preclosure is the repayment of the loan amount before the loan tenure. It has the benefit that it will lower the interest rate of your personal loan.

Pre Calculated EMI for Personal Loan

Rate

5 Yrs

4 Yrs

3 Yrs

10.50% 2149 2560 3250
11.00% 2174 2584 3273
11.50% 2199 2608 3297
12.00% 2224 2633 3321
12.50% 2249 2658 3345
13.00% 2275 2682 3369
13.50% 2300 2707 3393
14.00% 2326 2732 3417
14.50% 2352 2757 3442
15.00% 2378 2783 3466
 

Different Personal Loan offers by Karnataka Bank

Karnataka Bank Home Loan             

karnataka bank personal loan

  • Karnataka Bank offers home loans.
  • The loan amount is up to Rs. 5 crores.

Karnataka Bank Personal Loan for Government Employees

  • Karnataka Bank provides the Personal Loan to Govt. Employees.
  • The loan amount depends on the reputation of the company and its fame.

Karnataka Bank Education Loan

  • Karnataka Bank offers personal loans for education.
  • Provides education loan for studies in India as well as Abroad.

Karnataka Bank Personal Loan for Car

  • Karnataka Bank provides a personal loan for cars.
  • Offers loan for a new car and used car as well.

Karnataka Bank Personal Loan Balance Transfer

Karnataka Bank’s Personal Loan Balance Transfer is sending off your loan amount from one lending foundation into another. Balance transfer will help you in lowering the interest rate of your loan.

Karnataka Bank Personal Loan Top Up

Karnataka Bank’s Personal Loan Top Up is the supplementary loan amount that adds up in your existing loan amount. You can avail of top-up loans by giving 12 EMIs successively.

Karnataka Bank Personal Loan Status

Karnataka Bank’s Personal Loan Status can be checked by visiting the bank’s website. Every detail is given on the site.

How to Apply for Karnataka Bank Personal Loan?

You can avail a personal loan by following the given steps:

  1. Visit Dialabank and fill the application form.
  2. Our representative will call you.
  3. Our experts will guide you through the whole procedure and tell you the details of the loan.

FAQs About Karnataka Bank Personal Loan

✅ How to apply for Karnataka Bank Personal Loan?

You can apply for a personal loan from Karnataka Bank through visiting the nearest branch of Karnataka Bank or submitting the form with Dialabank. You can get the benefit to apply from anywhere with Dialabank. 

✅ What is the Interest Rate for Karnataka Bank Personal Loan?

The interest rate for a personal loan from Karnataka Bank is 9.99% p.a.

✅ What is the minimum age for getting a Personal Loan from Karnataka Bank?

The minimum age for getting a personal loan from Karnataka Bank is 18 years.

✅ What is the maximum age for getting a Personal Loan from Karnataka Bank?

The maximum age for getting a personal loan from Karnataka Bank is 58 years.

✅ What is the minimum loan amount for Karnataka Bank Personal Loan?

The minimum loan amount for a personal loan from Karnataka Bank’s Personal Loan is Rs. 10,000.

✅ What is the maximum loan amount for Karnataka Bank Personal Loan?

You can get a maximum loan amount for your personal loan from Karnataka Bank of Rs. 5 lakh.

✅ What are the documents required for Karnataka Bank Personal Loan?

The documents required to apply for a personal loan from Karnataka Bank’s Personal Loan are Aadhaar card, driving license, voter ID card, PAN card, salary certificate and form number 16, bank statements of last 3 months, ITR files of the last two years.

✅ What is the Processing Fee for Karnataka Bank Personal Loan?

The processing fee charged by Karnataka Bank is 1% of the loan amount for their personal loan products.

✅ How to get Karnataka Bank Personal Loan for Self Employed?

Karnataka Bank provides special offers for self-employed borrowers to aid them financially. You will need to show the ITR files of the last two years for income proof.

✅ What is the Maximum Loan Tenure for Karnataka Bank Personal Loan?

The maximum loan tenure for a personal loan from Karnataka Bank is 60 months.

✅ What should be the CIBIL Score for Karnataka Bank Personal Loan?

The CIBIL score required for getting a personal loan from Karnataka Bank is 750 and above.

✅ Do I have a preapproved offer for Karnataka Bank Personal Loan?

You can check out your preapproved personal loan offers from Karnataka Bank with Dialabank. Visit the online platform of Dialabank and check out offers for you.

✅ How to calculate EMI for Karnataka Bank Personal Loan?

To calculate your personal loan EMI for Karnataka Bank, you can use the EMI calculator available for you at Dialabank’s website.

✅ How to pay Karnataka Bank Personal Loan EMI?

Your personal loan EMIs from Karnataka Bank subtracted automatically from your bank account. You can also use the net-banking service of Karnataka Bank.

✅ How to close Karnataka Bank Personal Loan?

You must have paid your outstanding personal loan amount to close the loan and then collect no dues certificate through contact with the Karnataka Bank branch.

✅ How to check Karnataka Bank’s Personal Loan Status?

To know your personal loan status, you will require to visit the Karnataka Bank branch. Also, you can visit Dialabank and fill a form to allow us to do work for you.

✅ How to close Karnataka Bank Personal Loan Online?

The following steps for closing the personal loan from Karnataka Bank:

  • Visit the net-banking page of Karnataka Bank.
  • Login by filling your details.
  • Pay for your personal loan.
  • Save the transaction receipt.

✅ How to pay Karnataka Bank Personal Loan EMI Online?

You can pay your personal loan EMIs online using the net-banking facility provided by Karnataka Bank. To get a low-EMI personal loan, Dialabank will provide the best services for it.

✅ How to check Personal Loan Balance in Karnataka Bank?

You will contact the customer care number of Karnataka Bank to check the personal loan balance. If you are looking for low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer.

✅ How to download Karnataka Bank’s Personal Loan Statement?

The personal loan statement of Karnataka Bank can be downloaded through the Karnataka Bank’s mobile banking app. You can visit the online platform of Dialabank.

✅ How to Top Up Personal Loan in Karnataka Bank?

If you want a top-up personal loan from Karnataka Bank, you will visit the bank branch and contact the loan officer. You can also fill a form with Dialabank at Personal Loan Top Up.

✅ What happens if I don’t pay my Karnataka Bank Personal Loan EMIs?

If you don’t pay your personal loan EMIs of Karnataka Bank, then you will have to pay a penal interest. To get low-interest personal loans, you must apply for a balance transfer through Dialabank.

✅ How to find Karnataka Bank Personal Loan account number?

To know your personal loan account number, you will contact your Karnataka Bank loan branch. Also, fill a form at Dialabank.

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