20 Lakh Home Loan From Karur Vysya Bank

Home Loan By Amount
Home Loan By Other

Looking to borrow ₹20 Lakhs for your next home purchase? Karur Vysya Bank's 20 Lakhs home loan options may just fit the bill. Known for their flexible terms and efficient service, the bank offers competitive rates and quick processing. The current Karur Vysya Bank home loan interest rate for a loan of ₹ 20 Lakhs starts from 8.95% per annum. Borrowers can estimate the EMI for a 20 lakh home loan from Urban Money using their online calculator tools. Whether you're buying a ready-to-move property or constructing a house, the Karur Vysya Bank housing loan EMI for 20 Lakhs is designed to suit varied budgets.

Get in Touch for Home Loan Expert Advice

Connect with our Home Loan Advisor Now!

Personalized Home Loan solutions
Expert guidance
Application assistance
Credit score discussion
Home Loan Interest rate comparison

Full Name *

+91Mobile No. *

Search City *

Choose City

Choose Loan Type *

I agree to the Terms and Conditions of TUCIBIL and hereby provide explicit consent to share my Credit Information with Urban Money Private Limited.

Terms and Conditions

CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH Equifax

End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

20 Lakh 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

₹20,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 20 Lakhs Home Loan Karur Vysya Bank Highlights

2. 20 Lakhs Home Loan EMI for 5 years From Karur Vysya Bank

3. 20 Lakhs Home Loan EMI for 10 years From Karur Vysya Bank

4. 20 Lakhs Home Loan EMI for 15 years From Karur Vysya Bank

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

6. 20 Lakhs Home Loan EMI for 25 years From Karur Vysya Bank

7. 20 Lakhs Karur Vysya Bank Home Loan Fees

8. 20 Lakhs Karur Vysya Bank Home Loan Documents Required

9. 20 Lakhs 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: 3rd July 2025

20 Lakhs Home Loan Karur Vysya Bank – Highlights

Below are the key details or highlights for a 20 lakh home loan from Karur Vysya Bank :

Key Highlights	Details
Loan Amount	₹20 Lakhs
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

20 Lakhs Home Loan EMI for 5 years From Karur Vysya Bank

Opting for a shorter term, such as five years, means you’ll repay your loan faster, but it also increases the monthly outgo. The 20 Lakh home loan EMI for 5 years at Karur Vysya Bank will be on the higher side due to the compact repayment window. Below is a detailed view of the Karur Vysya Bank housing loan EMI for 20 Lakh under this tenure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 2000000	8.95% p.a.	5 years	₹ 41,468	₹ 4,88,080	₹ 24,88,080

20 Lakhs Home Loan EMI for 10 years From Karur Vysya Bank

Those who want to get a tenure of 10 years for the loan repayments, below are the breakdown details for them:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 2000000	8.95% p.a.	10 years	₹ 25,281	₹ 10,33,720	₹ 30,33,720

20 Lakhs Home Loan EMI for 15 years From Karur Vysya Bank

Breakdown for a 15-year loan repayment tenure is mentioned below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 2000000	8.95% p.a.	15 years	₹ 20,226	₹ 16,40,680	₹ 36,40,680

20 Lakhs Home Loan EMI for 20 years From Karur Vysya Bank

If you’re aiming for lower monthly payments, selecting a longer tenure can be beneficial. Here’s what the 20 Lakh home loan EMI for 20 years at Karur Vysya Bank looks like with extended repayment terms.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 2000000	8.95% p.a.	20 years	₹ 17,930	₹ 23,03,200	₹ 43,03,200

20 Lakhs Home Loan EMI for 25 years From Karur Vysya Bank

Stretching your loan over 25 years brings down the EMI, making it easier to manage monthly expenses. Below is the breakdown of the Karur Vysya Bank home loan 20 Lakh EMI for a 25-year repayment plan.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹20,00,000	8.95% p.a.	25 years	₹16,716	₹30,14,800	₹50,14,800

20 Lakhs Karur Vysya Bank Home Loan – Fees

When considering a Karur Vysya Bank 20 Lakh home loan, it’s essential to understand the associated charges. The bank levies a processing fee of ₹2,500 plus GST for loans up to ₹25 Lakh. Notably, there are no prepayment or foreclosure charges for floating-rate home loans, offering flexibility for early repayments.

In cases of delayed payments, a penalty interest of 2% per month is applicable on the overdue amount. These charges are standard and apply uniformly, ensuring transparency in the loan process. It’s advisable to review the latest fee structure on the official Karur Vysya Bank website or consult with a bank representative for detailed information.

20 Lakhs Karur Vysya Bank Home Loan – Documents Required

Getting your paperwork in order is key to a smooth loan approval. Below is a list of documents generally required when applying for a Karur Vysya Bank 20 Lakh home loan.

Document Type	Details
Application Form	A duly filled and signed application form with passport-size photographs.
Identity Proof	Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence.
Address Proof	Utility bills (electricity, telephone), Aadhaar Card, Passport, or Driving Licence.
Income Proof (Salaried)	Latest 3 months’ salary slips, Form 16, and last 2 years’ Income Tax Returns.
Income Proof (Self-employed)	Business proof, last 2 years’ Income Tax Returns, and audited financial statements.
Bank Statements	The bank statements for the last 6 months show income and expenses.
Property Documents	Sale deed, title deed, approved building plan, and tax receipts.

20 Lakhs Karur Vysya Bank Home Loan – Eligibility Criteria

Lenders don’t hand out home loans without conducting thorough checks, and Karur Vysya Bank is no exception. If you’re planning to borrow ₹20 Lakh, here’s what they usually look for in an applicant:

Applicant must be between 23 and 65 years of age at the time of loan maturity.
Both salaried and self-employed individuals are eligible to apply.
Resident Indians, NRIs, and PIOs can apply.
Minimum monthly income of ₹18,000 for salaried applicants.
For self-employed individuals, stable business income and IT returns for the last two years are required.
A credit score of 750 or above is preferred for smooth approval.
Repayment capacity is assessed based on existing liabilities and net monthly income.

Frequently Asked Questions (FAQs)

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

At an interest rate of 8.95% per annum, the EMI for a 20 Lakh home loan with Karur Vysya Bank over a 20-year tenure is ₹17,930 per month. This amount strikes a balance between affordability and a long-term repayment window.

Who is eligible for a 20 Lakh Home loan in Karur Vysya Bank?

To be eligible for a Karur Vysya Bank 20 Lakh home loan, you should be between 23 and 65 years of age, with a stable income. Salaried individuals, self-employed professionals, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs) are eligible to apply. A good credit score and proof of repayment capacity are also key.

What is the monthly interest rate of a 20 Lakh home loan in Karur Vysya Bank?

The monthly interest rate works out to approximately 0.7458%, based on an annual rate of 8.95%. This rate may vary depending on your credit profile and bank policy at the time of application.

Quick Links

Loan Offers By Karur Vysya Bank's

Karur Vysya Bank Personal Loan

Home Loan by Nationalized Bank

Home Loan Calculators

Karur Vysya Bank Calculators