30 Lakh Home Loan From Karur Vysya Bank

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Applying for a 30 Lakh home loan from Karur Vysya Bank is the best option for many aspiring homeowners. The bank currently offers interest rates starting at 8.95% per annum, depending on your credit profile and the loan tenure. With repayment terms stretching up to 25 years, the Karur Vysya Bank housing loan EMI for 30 Lakh can be adjusted to fit your monthly budget. Borrowers can also utilise the EMI calculator provided by Urban Money, which helps them plan their finances effectively. Whether you’re buying a new house or transferring an existing loan, the Karur Vysya Bank home loan interest rate and minimal processing charges make it a competitive choice.

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30 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

₹30,00,000

Interest Payable

Total Amount Payable

Table of Content

1. Highlights of 30 Lakh Home Loan From Karur Vysya Bank

2. 30 Lakh Home Loan EMI for 5 Years From Karur Vysya Bank

3. 30 Lakh Home Loan EMI for 10 years From Karur Vysya Bank

4. 30 Lakh Home Loan EMI for 15 years From Karur Vysya Bank

5. 30 Lakh Home Loan EMI for 20 years From Karur Vysya Bank

6. 30 Lakh Home Loan EMI for 25 years From Karur Vysya Bank

7. 30 Lakh Karur Vysya Bank Home Loan Fees & 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.

Last Updated: 15 December 2025

Highlights of 30 Lakh Home Loan From Karur Vysya Bank

If you are considering a Karur Vysya Bank home loan of 30 Lakh, it helps to know the main terms at a glance. Below are the key details to guide your decision:

Key Highlights	Details
Loan Amount	₹30 Lakh
Interest Rate	8.75% to 11.70% p.a.
Loan Tenure	Up to 25 years
Processing Charges	₹ 2,500 to ₹ 7,500 + GST

30 Lakh Home Loan EMI for 5 Years From Karur Vysya Bank

If you plan to repay your Karur Vysya Bank 30 Lakh home loan in 5 years, your EMIs will be higher due to the shorter tenure. Here’s how the 30 Lakh home loan EMI for 5 years, Karur Vysya Bank, breaks down:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 3000000	8.95% p.a.	5 years	₹ 62,202	₹ 7,32,140	₹ 3,732,120

30 Lakh Home Loan EMI for 10 years From Karur Vysya Bank

Below is the breakdown for a 10-year home loan emi for an amount of 30 Lakh:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 3000000	8.95% p.a.	10 years	₹ 37,922	₹ 1,550,601	₹ 4,550,640

30 Lakh Home Loan EMI for 15 years From Karur Vysya Bank

Let’s have a look at the breakdown of a loan amount of 30 Lakh for a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 3000000	8.95% p.a.	15 years	₹ 30,349	₹ 2,460,997	₹ 5,461,020

30 Lakh Home Loan EMI for 20 years From Karur Vysya Bank

Breakdown of a 30 Lakh home loan emi for 20 years is given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹ 3000000	8.95% p.a.	20 years	₹ 26,895	₹ 3,454,895	₹ 6,454,800

30 Lakh Home Loan EMI for 25 years From Karur Vysya Bank

Here is the breakdown of a 30 lakh loan emi for 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹30 Lakh	8.95% p.a.	25 years	₹25,073	₹45,21,900	₹75,21,900

30 Lakh Karur Vysya Bank Home Loan – Fees & Charges

Before applying for a Karur Vysya Bank 30 Lakh home loan, it’s important to understand the costs beyond just the EMI. Here’s a look at the standard fees and charges you may incur:

Charge Type	Details
Processing Fee	₹5,000 + GST (for loan amounts between ₹25 Lakh and ₹50 Lakh)
Prepayment Charges	Nil for floating-rate home loans
Foreclosure Charges	Nil for floating-rate home loans
Penal Interest	2% per month on overdue amounts
Loan Tenure	Up to 25 years
Loan-to-Value (LTV)	Up to 90% for properties valued up to ₹30 Lakh

30 Lakh Karur Vysya Bank Home Loan – Documents Required

When applying for a Karur Vysya Bank 30 Lakh home loan, having the right documents ready can expedite the approval process. Below is a list of the commonly required paperwork:

Completed loan application form with passport-size photographs
Identity and address proof (Aadhaar, PAN, passport, etc.)
Latest salary slips or income proof
Bank statements (last 6 months)
Property documents with title deed and approvals

30 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria

Before applying for a Karur Vysya Bank 30 Lakh home loan, it’s important to check whether you meet the bank’s standard requirements. Here’s a quick look at the key eligibility criteria:

Criteria	Details
Age	Minimum: 23 years; Maximum: 65 years at loan maturity.
Nationality	Resident Indians, NRIs, and PIOs are eligible.
Employment Type	Salaried individuals, self-employed professionals, and business owners.
Minimum Income	Salaried: ₹18,000 per month; Self-employed: ₹24,000 per annum.
Credit Score	A good credit score (typically 750 and above) enhances eligibility.
Loan-to-Value (LTV) Ratio	Up to 90% for properties valued up to ₹30 Lakh.
Repayment Capacity	Post EMI deductions, the applicant’s take-home pay should be at least 25% of the gross income.

Frequently Asked Questions (FAQs)

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

For a ₹30 Lakh home loan with Karur Vysya Bank over 20 years at an interest rate of 8.95% per annum, the EMI is around ₹26,804 per month. You can use the 30 Lakh loan EMI calculator provided by Karur Vysya Bank online for accurate, personalised results.

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

Anyone aged between 23 and 65 years, with a steady income and a good credit score (typically 750 or above), can apply. Both salaried individuals and self-employed professionals are eligible, provided they meet the income and repayment capacity requirements.

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

The monthly interest rate works out to approximately 0.7458%, based on an annual interest rate of 8.95%. This rate may vary depending on the applicant’s credit profile and prevailing lending rates.

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