1 Crore Home Loan From Karur Vysya Bank

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Buying a high-value property means choosing a lender that can support your goals without overcomplicating the process. A Karur Vysya Bank 1 Crore home loan gives you access to funding with the ease of flexible terms and competitive interest rates. From eligibility checks to monthly instalments, every detail matters. With the 1 Crore loan EMI calculator Urban Money offers online, you can estimate your EMIs with confidence. Whether it’s your first home or an upgrade, understanding the Karur Vysya Bank housing loan EMI for 1 Crore helps you plan better and move forward with clarity.

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1 Crore Karur Vysya Bank Home Loan EMI Calculator

Loan Amount

₹

5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

Monthly Loan EMI

Payment Breakdown:

Principal Amount

₹1,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 1 Crore Home Loan Karur Vysya Bank Highlights

2. 1 Crore Home Loan EMI for 5 years From Karur Vysya Bank

3. 1 Crore Home Loan EMI for 10 years From Karur Vysya Bank

4. 1 Crore Home Loan EMI for 15 years From Karur Vysya Bank

5. 1 Crore Home Loan EMI for 20 years From Karur Vysya Bank

6. 1 Crore Home Loan EMI for 25 years From Karur Vysya Bank

7. 1 Crore Karur Vysya Bank Home Loan Fees and Charges

8. 1 Crore Karur Vysya Bank Home Loan Documents Required

9. 1 Crore Karur Vysya Bank Home Loan Eligibility Criteria

Written By

Shubham Sandhu

Shubham is a finance writer specialising in home loans, investment advice, and personal money management. He explains financial matters clearly and straightforwardly, helping readers make better financial decisions. His aim is to make financial topics simple, practical, and easy to understand.

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: 29th July 2025

1 Crore Home Loan Karur Vysya Bank – Highlights

Below are the key details or highlights for a 1 Crore home loan from Karur Vysya Bank:

Key Highlights	Details
Loan Amount	₹1 Crore
Interest Rate	8.75% to 11.70% p.a.
Loan Tenure	Up to 25 years
Processing Charges:
Up to 25 Lakhs	₹2,500/- + GST
Between 25-50 Lakhs	₹5,000/- + GST
Above 50 Lakhs	₹7,500/- GST
Insurance Coverage	Optional borrower insurance is available through LIC, SBI Life, or BSLI for the full loan amount, offered as a single premium plan (only if the borrower opts for it).

1 Crore Home Loan EMI for 5 years From Karur Vysya Bank

If quick loan closure is your goal, a 5-year tenure can get you there faster, though with a steeper EMI. Below is a look at the 1 Crore home loan EMI for 5 years, which typically amounts to.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹1,00,00,000	8.95% p.a.	5 years	₹ 2,07,341	₹ 24,40,460	₹ 1,24,40,460

1 Crore Home Loan EMI for 10 years From Karur Vysya Bank

A 10-year loan term balances speed and affordability, making it a practical choice for many borrowers. Here’s how the 1 Crore home loan EMI for 10 years, Karur Vysya Bank, is structured for this mid-range tenure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹1,00,00,000	8.95% p.a.	10 years	₹ 1,26,405	₹ 51,68,600	₹ 1,51,68,600

1 Crore Home Loan EMI for 15 years From Karur Vysya Bank

For those aiming to spread out repayments without dragging the loan too long, a 15-year tenure offers a good middle ground. Below is how the 1 Crore home loan EMI for 15 years, Karur Vysya Bank, shapes up:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹1,00,00,000	8.95% p.a.	15 years	₹ 1,01,129	₹ 82,03,220	₹ 1,82,03,220

1 Crore Home Loan EMI for 20 years From Karur Vysya Bank

If you’re looking for lower monthly outflow without compromising on the loan amount, a 20-year term fits the bill. Here’s the EMI breakdown for a 1 Crore home loan EMI for 20 years, Karur Vysya Bank.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹1,00,00,000	8.95% p.a.	20 years	₹ 89,651	₹ 1,15,16,240	₹ 2,15,16,240

1 Crore Home Loan EMI for 25 years From Karur Vysya Bank

Choosing a 25-year tenure can ease the EMI burden, especially if you’re balancing other financial goals. Here’s what the Karur Vysya Bank home loan 1 Crore EMI looks like with the longest repayment stretch.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹1,00,00,000	8.95% p.a.	25 years	₹ 83,578	₹ 1,50,73,400	₹ 2,50,73,400

1 Crore Karur Vysya Bank Home Loan – Fees and Charges

Taking a Karur Vysya Bank 1 Crore home loan means more than just EMIs — you’ll want to factor in some additional costs. For loan amounts above ₹50 Lakhs, the bank charges a processing fee of ₹7,500 plus GST. Borrowers who go with a floating interest rate benefit from zero charges on prepayment or full closure, which adds flexibility if you plan to repay early. However, missing an EMI invites a penalty of 2% per month on the overdue amount. The loan can run up to 25 years, and depending on the property value, funding can go up to 90% of the purchase price.

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1 Crore Karur Vysya Bank Home Loan – Documents Required

Large loan amounts require a bit more preparation, especially when it comes to documentation. Below is a checklist for anyone applying for a Karur Vysya Bank 1 Crore home loan.

Required Item	What You’ll Need to Submit
Loan Application	Completed and signed form along with recent passport-sized photographs
Proof of Identity	Any valid government-issued ID such as PAN, Aadhaar, Passport, Voter ID, or Driving Licence
Proof of Address	Recent utility bills, rent agreement, Aadhaar, or Passport showing your current residence
Income Documents – Salaried	Salary slips for the last 3 months, Form 16, and ITR for the past 2 financial years
Income Documents – Self-Employed	ITRs of the last 2 years, business registration, and audited profit & loss accounts with balance sheet
Banking Records	Personal or salary account statements from the last 6 months
Property-Related Papers	Registered sale deed, title documents, approved plan, and latest property tax receipts

1 Crore Karur Vysya Bank Home Loan – Eligibility Criteria

Not everyone qualifies for a ₹1 Crore loan, and Karur Vysya Bank follows a clear set of benchmarks. Here’s what you’ll need to meet to be considered eligible for this loan amount.

You should be at least 23 years old when applying and no older than 65 by the time the loan ends
The bank accepts applications from salaried professionals, business owners, and self-employed individuals
Resident Indians, NRIs, and PIOs are all eligible to apply
A reliable income source is essential, along with a track record of financial stability
If you’re salaried, a minimum monthly income of ₹18,000 is usually expected
A credit score of 750 or more improves your chances of quick approval
Depending on the property value, the bank can fund up to 90% of the cost
Your monthly income after EMI deductions should leave you with a reasonable buffer.

Frequently Asked Questions (FAQs)

What is the EMI for a 1 Crore Home Loan for 20 years in Karur Vysya Bank?

If you take a 1 Crore home loan from Karur Vysya Bank and choose a 20-year repayment period, your EMI will be approximately ₹89,651 per month, based on an interest rate of 8.95% per annum. You can get a tailored estimate using the 1 Crore loan EMI calculator Karur Vysya Bank provides online.

Who is eligible for a 1 Crore Home loan in Karur Vysya Bank?

To be considered for a Karur Vysya Bank 1 Crore home loan, you need to be between 23 and 65 years of age, with a steady income. The bank accepts salaried professionals, self-employed individuals, and business owners. A strong credit score, usually 750 or above, and a stable financial background are essential to qualify.

What is the monthly interest rate of a 1 Crore home loan in Karur Vysya Bank?

At an annual rate of 8.95%, the monthly interest rate comes out to about 0.7458%. The exact rate may vary slightly depending on your credit profile and other eligibility factors.

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