3 Crore Home Loan From Karur Vysya Bank

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A high-value property often calls for equally strong financial support, and the Karur Vysya Bank 3 Crore home loan is designed for exactly that. This loan option is ideal for those planning to purchase luxury residences, premium apartments, or high-end villas. With competitive terms and flexible repayment options, it makes large-scale borrowing feel more manageable. The Karur Vysya Bank home loan interest rate for 3 Crore ensures that even bigger loans stay within reach. Use the 3 Crore loan emi calculator Karur Vysya Bank provides to get a clear view of your budget and repayment plan.

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3 Crore Karur Vysya Bank Home Loan EMI Calculator

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5 Lac
20 Cr

Loan Tenure

Years

Rate Of Interest

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Payment Breakdown:

Principal Amount

₹3,00,00,000

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Table of Content

1. 3 Crore Home Loan Karur Vysya Bank Highlights

2. 3 Crore Home Loan EMI for 5 years From Karur Vysya Bank

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

4. 3 Crore Home Loan EMI for 15 years From Karur Vysya Bank

5. 3 Crore Home Loan EMI for 20 years From Karur Vysya Bank

6. 3 Crore Home Loan EMI for 25 years From Karur Vysya Bank

7. 3 Crore Karur Vysya Bank Home Loan Fees and Charges

8. 30 Lakh Karur Vysya Bank Home Loan Documents Required

9. 30 Lakh 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.

3 Crore Home Loan Karur Vysya Bank – Highlights

When financing a premium property, understanding the basic loan features becomes essential. This snapshot gives a quick view of what the Karur Vysya Bank 3 Crore home loan offers at a glance.

Feature	Information
Loan Quantum	₹3 Crore
Applicable Interest Rate	Starts from 8.95% p.a., depending on the borrower’s profile
Repayment Period	Flexible tenure up to 25 years
Processing Charges	₹7,500 + GST (standard for loans above ₹50 Lakhs)
Maximum LTV Ratio	Up to 90% (as per property valuation norms)
Security Requirement	Equitable mortgage of the financed property
Insurance Cover	Optional, single-premium cover via LIC/SBI Life/BSLI
Prepayment & Foreclosure	Zero charges for floating rate loans

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

Borrowers looking to repay their Karur Vysya Bank 3 Crore home loan over five years must prepare for high EMIs due to the compact duration. However, this also means the debt clears faster with less overall interest paid:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹3,00,00,000	8.95% p.a.	5 years	₹ 6,22,023	₹ 73,21,380	₹ 3,73,21,380

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

Choosing a 10-year repayment timeline offers a practical balance between EMI size and total interest cost. Below is a breakdown tailored for a emi of 3 Crore Karur Vysya Bank home loan scenario across this tenure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹3,00,00.000	8.95% p.a.	10 years	₹ 3,79,216	₹ 1,55,05,920	₹ 4,55,05,920

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

A 15-year tenure on a Karur Vysya Bank 3 Crore home loan eases the monthly burden while maintaining reasonable control over the total interest paid. The table below illustrates the repayment details over this mid-range duration.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹3,00,00.000	8.95% p.a.	15 years	₹ 3,03,388	₹ 2,46,09,840	₹5,46,09,840

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

Stretching your Karur Vysya Bank 3 Crore home loan over two decades provides room to maintain your monthly budget comfortably. The following table presents a clear EMI layout for a 20-year repayment period.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹3,00,00.000	8.95% p.a.	20 years	₹ 2,68,954	₹ 3,45,48,960	₹ 6,45,48,960

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

Selecting a 25-year repayment plan offers greater control over your monthly budget. The table below outlines the EMI distribution for a Karur Vysya Bank 3 Crore home loan under this extended tenur.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹3,00,00.000	8.95% p.a.	25 years	₹2,50,733	₹4,52,19,900	₹7,52,19,900

3 Crore Karur Vysya Bank Home Loan – Fees and Charges

Borrowing at this scale comes with a few extra costs that should not be overlooked. Below is a breakdown of the standard charges linked to a Karur Vysya Bank 3 Crore home loan.

Fee/Charge	Details
Processing Fee	₹7,500 plus GST for loans exceeding ₹50 Lakhs. This fee is applicable for high-value loans, including the ₹3 Crore bracket.
Interest Rate	Starts from 8.95% per annum, varying based on the applicant’s credit profile, loan amount, and tenure.
Prepayment Charges	Nil for floating-rate home loans, allowing borrowers to make partial prepayments without incurring additional costs.
Foreclosure Charges	No charges for closing the loan before the end of the tenure on floating-rate loans.
Penal Interest	2% per month on overdue amounts, applicable if EMIs are missed or delayed.
Loan Tenure	Up to 25 years, providing flexibility in choosing a comfortable repayment period.
Loan-to-Value (LTV) Ratio	Up to 90% for properties valued up to ₹3 Crore, subject to the bank’s assessment and guidelines.
Security	Primary: Equitable mortgage of the property. Collateral: Optional, such as NSC, KVP, LIC policies, bank deposits, or additional property.
Insurance Coverage	Available up to the loan amount through LIC, SBI Life, or BSLI as a single premium, payable by the borrower, if opted.

30 Lakh Karur Vysya Bank Home Loan – Documents Required

Submitting accurate documents is an essential part of the Karur Vysya Bank 30 Lakh home loan application process. To ensure a smooth and timely verification, you will need the following:

A duly filled application form along with recent passport-size photographs
Valid proof of identity and residence (such as Aadhaar, PAN card, passport, etc.)
Income proof, like recent salary slips or audited financials, for self-employed applicants
Bank account statements for the last six months
Legal documents of the property, including the title deed, sanctioned plan, and tax receipts

30 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria

To qualify for a Karur Vysya Bank 30 Lakh home loan, applicants must meet certain financial and personal benchmarks. These conditions ensure responsible borrowing and a smooth approval journey:

Eligibility Factor	Required Criteria
Applicant Age Range	23 years (minimum) to 65 years (maximum) by the end of the loan term
Eligible Profiles	Indian residents, NRIs, and Persons of Indian Origin (PIOs)
Occupation	Salaried employees, self-employed professionals, and entrepreneurs
Minimum Earnings	₹18,000/month for salaried; ₹24,000/year for self-employed applicants
Credit Health	A CIBIL score of 750 or above is generally preferred
Property Value LTV Limit	Loans up to 90% of the property value (for properties worth up to ₹30 Lakh)
Repayment Affordability	At least 25% of gross monthly income should remain after EMI deductions

Frequently Asked Questions (FAQs)

What is the EMI for a 30 Lakh Home Loan for 20 years in Karur Vysya Bank?

At an annual interest rate of 8.95%, the EMI for a 30 Lakh home loan for 20 years, Karur Vysya Bank is approximately ₹26,711 per month. Over the entire tenure, the total interest payable would be around ₹34.1 Lakhs, bringing the total repayment amount to nearly ₹64.1 Lakhs.

Who is eligible for a 30 Lakh Home loan in Karur Vysya Bank?

Individuals aged between 23 and 65 years, whether salaried or self-employed, with a stable income and a credit score of 750 or above, are usually considered eligible for a Karur Vysya Bank 30 Lakh home loan.

What is the monthly interest rate of a 30 Lakh home loan in Karur Vysya Bank?

The Karur Vysya Bank home loan interest rate for 30 Lakh generally starts from 8.75% per annum, which translates to a monthly interest of approximately 0.73%, depending on creditworthiness and loan terms.

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