65 Lakh Karnataka Bank Home Loan

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Is searching for an ideal home loan that comes with competitive interest rates and budget-friendly EMIs tiresome? Karnataka Bank offers home loan aspirants an attractive 65 lakh home loan scheme with interest rates ranging from 8.60% to 10.62% per annum. With loan amounts as high as 7.5 crores, the home loan aspirant can benefit from longer loan tenure, making expenses easy on the pocket. With quick approvals, flexible eligibility, and additional tax benefits, check out the 65 lakh Karnataka Bank home loan and the applicable EMI over 10 and 20 years.

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65 Lakh Karnataka Bank Home Loan EMI Calculator

Loan Amount

₹

5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹65,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 65 Lakh Karnataka Bank Home Loan Highlights

2. 65 Lakh Karnataka Bank Home Loan EMI For 5 Years

3. 65 Lakh Karnataka Bank Home Loan EMI For 10 Years

5. 65 Lakh Karnataka Bank Home Loan EMI For 15 Years

7. 65 Lakh Karnataka Bank Home Loan EMI For 20 Years

8. 65 Lakh Karnataka Bank Home Loan EMI For 25 Years

9. 65 Lakh Karnataka Bank Home Loan Fees & Charges

10. 65 Lakh Karnataka Bank Home Loan Documents Required

11. 65 Lakh Karnataka Bank Home Loan Eligibility Criteria

Written By

Amrita Sinha

Amrita Sinha comes with a background in journalism and mass communication, drawing from her roots in journalism, she has found her voice in the world of finance. As an accomplished writer, she specialises in Financial Services, Mutual Funds, Loan Assessments, Banking & Loan Products. She has established herself as a reliable expert in the field, offering valuable advice to those looking to navigate the various aspects of personal finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 11 December 2025

65 Lakh Karnataka Bank Home Loan Highlights

Check the key highlights of the 65 lakh Karnataka Bank home loan by referring to the table below:

Feature	Details
Loan Amount	The applicant can avail up to 7.5 Crore
Interest Rate	Lies between 8.60% and 10.62% per annum
Processing Fees	Up to 0.25% of the loan amount
Loan Tenure	Up to 30 years
Eligible Candidates	Indian Residents & NRI

65 Lakh Karnataka Bank Home Loan EMI For 5 Years

On a 65 lakh Karnataka Bank home loan, the EMI over a tenure of 5 years is mentioned in the table below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹65 lakhs	8.60% p.a.	5 years	₹1,33,671	₹15,20,257	₹80,20,257

65 Lakh Karnataka Bank Home Loan EMI For 10 Years

Over a tenure of 10 years, the table below shows the EMI on a 65 lakh Karnataka Bank home loan:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹65 lakhs	8.60% p.a.	10 years	₹80,939	₹32,12,650	₹97,12,650

65 Lakh Karnataka Bank Home Loan EMI For 15 Years

The table below shows the EMI for a Karnataka Bank home loan of 65 lakhs over a 15-year tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹65 lakhs	8.60% p.a.	15 years	₹64,390	₹50,90,138	₹1,15,90,138

65 Lakh Karnataka Bank Home Loan EMI For 20 Years

The table below displays the EMI for a 65 lakh Karnataka Bank home loan over a 10-year tenure:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹65 lakhs	8.60% p.a.	20 years	₹56,821	₹71,36,939	₹1,36,36,939

65 Lakh Karnataka Bank Home Loan EMI For 25 Years

The EMI on a 65 lakh Karnataka Bank home loan for a tenure of 25 years is given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹65 lakhs	8.60% p.a.	25 years	₹52,779	₹93,33,554	₹1,58,33,554

65 Lakh Karnataka Bank Home Loan – Fees & Charges

Check the applicable fees & charges on the 65 lakh Karnataka Bank home loan:

Processing Fee – Up to 0.50% of the loan amount availed
CIBIL/CRIF Charges – Rs 100 per consumer report
EMI Bounce Charges – Rs 500 for every cheque bounce

65 Lakh Karnataka Bank Home Loan – Documents Required

Refer to the table below to check the required documents for a 65 lakh Karnataka Bank home loan:

KYC Documents

Aadhar Card, PAN Card, Driving License, Voter ID Card, etc

Customer ID/Debit Card Number

Salaried Individuals

Last 12 months’ bank account statement

Non-Salaried Individual

Copy of last 12 months’ bank account statement

65 Lakh Karnataka Bank Home Loan – Eligibility Criteria

You must meet the eligibility criteria to avail yourself of a 65 lakh Karnataka Bank home loan. Refer to the table below:

Eligible Age	18 to 60 years
Salaried Individuals Monthly Income	Minimum Rs 10,000
Self-Employed Individuals Annual Income	Minimum Rs 1,20,000
NRI Salaried Individual Monthly Income	Minimum Rs 40,000
NRI Self-Employed Individual Gross Income	Rs 4,80,000

Frequently Asked Questions

What is the EMI on a 65 lakh Karnataka Bank home loan over 20 years?

Considering the minimum interest rate of 8.60% per annum, the minimum monthly EMI over a tenure of 20 years on a 65 lakh home loan will be ₹56,821.

Who is eligible for a 65 lakh Karnataka Bank home loan?

The eligible candidates for a 65 lakh Karnataka Bank home loan are salaried & self-employed Indian residents and NRIs.

What is the monthly interest rate of a 65 lakh Karnataka Bank home loan?

The monthly interest rate of a 65 lakh Karnataka Bank home loan ranges between 0.72% and 0.89%.

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