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35 Lakh Home Loan From Karur Vysya Bank
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A ₹35 Lakh Karur Vysya Bank Home Loan is your gateway to securing your dream house at flexible terms without any massive financial hassle. Using these funds, you can construct or purchase a home in any well-reputed society. The bank focuses on customer-friendly solutions and simplified documentation, making it ideal for those seeking quick loan approval and disbursement. Backed by Karur Vysya Bank’s strong legacy and digital-first processes, it ensures a smooth, responsive borrowing experience from start to finish. Enjoy low interest rates and full transparency when applying for the home loan.
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35 Lakh Karur Vysya Bank Home Loan EMI Calculator
- 5 Lac
- 20 Cr
- 5
- 30
- 6
- 20
Monthly Loan EMI
Payment Breakdown:
Principal Amount
₹35,00,000
Interest Payable
Total Amount Payable
Table of Content



35 Lakh Home Loan Karur Vysya Bank – Highlights
Here are some major highlights and features of the ₹35 Lakh Karur Vysya Bank Home Loan that make it the superior choice amongst other competitors:
Feature | Details |
Purpose of Loan | Purchase, construction, extension, or renovation of residential properties |
Loan Amount | 90% of Property Cost |
Margin Requirement | 10-30% |
Interest Range | 8.40% to 10.25% |
Repayment Tenure | 30 Years |
Security Required | Mortgage of the property financed |
35 Lakh KVB Home Loan EMI for 5 Years
Choosing to pay off your home loan in 5 years can help you save lots of interest money and get rid of financial obligations as soon as possible. Here is a glance at your financial analysis for the same:
Loan Amount | Interest Rate | Loan Tenure | EMI Amount | Total Interest Payable | Total Amount Payable |
₹3,500,000 | 9.15% p.a. | 20 years | ₹31,829 | ₹41,38,923 | ₹76,38,923 |
35 Lakh KVB Home Loan EMI for 10 years
With a 10-year tenure, you can maintain financial stability through moderate EMIs while accelerating your journey to becoming debt-free. Here is your financial plan for a 35 Lakh Home Loan from Karur Vysya Bank, to be paid off in a decade:
Loan Amount | Interest Rate | Loan Tenure | EMI Amount | Total Interest Payable | Total Amount Payable |
₹3,500,000 | 9.15% p.a. | 10 years | ₹44,621 | ₹18,54,538 | ₹53,54,538 |
35 Lakh KVB Home Loan EMI for 15 years
Here is a breakdown of your financial expenses over 15 years for a 35 Lakh Home Loan from Karur Vysya Bank:
Loan Amount | Interest Rate | Loan Tenure | EMI Amount | Total Interest Payable | Total Amount Payable |
₹3,500,000 | 9.15% p.a. | 15 years | ₹35,812 | ₹29,46,218 | ₹64,46,218 |
35 Lakh KVB Home Loan EMI for 20 years
If you choose to pay off your Karur Vysya Bank’s 35 Lakh Home Loan within 20 years, here is a glimpse of the EMI payment to be made, along with the total interest payable.
Loan Amount | Interest Rate | Loan Tenure | EMI Amount | Total Interest Payable | Total Amount Payable |
₹3,500,000 | 9.15% p.a. | 20 years | ₹31,829 | ₹41,38,923 | ₹76,38,923 |
35 Lakh KVB Home Loan EMI for 25 years
Stretching your loan over 25 years means lower EMIs, providing more flexibility in your monthly budget, but it also increases the interest payable. Here is the EMI and interest payable for a 35 Lakh Home Loan from Karur Vysya Bank over 25 years.
Loan Amount | Interest Rate | Loan Tenure | EMI Amount | Total Interest Payable | Total Amount Payable |
₹3,500,000 | 9.15% p.a. | 25 years | ₹29,732 | ₹54,19,665 | ₹89,19,665 |
35 Lakh Karur Vysya Bank Home Loan – Charges
When applying for or closing your loan, you may be required to pay certain mandatory charges as per the bank’s guidelines. These help in quick processing and proper registration of your home loan. These charges include:
Charge Type | Details |
Processing Fee | ₹5,000 + GST |
Prepayment / Foreclosure | Nil |
Legal & Documentation Fees | No separate standard fee |
Valuation Charges | May apply according to the property type |
Penal / Late Payment Charges | Applicable as per the bank regulations |
GST | 18% |
35 Lakh Karur Vysya Bank Home Loan – Documents Required
Here is a list of documents that you will be asked to provide while applying for the 35 Lakh Karur Vysya Bank Home Loan:
Document Category | Details |
Identity, Age and Address Proof | PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence, Ration Card or Utility Bills |
Income Proof – Salaried | Latest 3 months’ salary slips, 6 months’ salary credited bank statements, Form 16 or ITRs |
Income Proof – Self-employed | Latest 2 years’ ITRs with computation, balance sheet & P&L account, 6 months’ bank statement |
Employment Proof (If Employed) | Employment ID Card / Appointment Letter / Experience Certificate |
Business Proof( If Self-employed) | Business registration licence, GST certificate, or company PAN |
Photographs | Recent passport-size photographs (2 copies) |
Property Documents | Agreement to Sale / Registered Sale Deed, Approved Building Plan, Encumbrance Certificate (EC), NOC from Society |
Bank Statement | Last 6 months’ bank statement |
35 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria
To be eligible for a ₹35 Lakh Karur Vysya Bank Home Loan, applicants should prove their Indian nationality. The applicant must be between the ages of 18 and 65 and have a stable income source, such as from a business or job. To prove this, they will have to submit their CIBIL score and other financial documents. The property being financed must also comply with all legal and technical parameters as evaluated by the bank.
Frequently Asked Questions (FAQs)
What is the EMI for a 35 Lakh Home Loan for 20 years in Karur Vysya Bank?
The EMI payment for a 35 Lakh Karur Vysya Bank Home Loan over 20 years stands at INR ₹31,829.
Who is eligible for a 35 Lakh Home loan in Karur Vysya Bank?
The loan is available to salaried individuals, self-employed professionals, business owners, and pensioners who are Indian residents aged between 23 and 65 years.
What is the monthly interest rate of a 35 Lakh home loan in Karur Vysya Bank?
The monthly interest rate for a ₹35 Lakh home loan from Karur Vysya Bank is 0.75%., with the final rate depending on the borrower’s credit profile and overall eligibility.
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