4 Crore Home Loan From Karur Vysya Bank

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A Karur Vysya Bank 4 Crore home loan is designed to support buyers aiming for upscale or premium properties. With adaptable repayment plans and competitive interest rates, it enables borrowers to align long-term housing goals with financial capacity. The 4 Crore home loan EMI Karur Vysya Bank remains predictable across flexible tenures, helping manage budgets efficiently. Through tools like the 4 Crore loan EMI calculator, Karur Vysya Bank, applicants can plan ahead with clarity. Whether it is a new build or an existing home purchase, the Karur Vysya Bank 4 Crore home loan offers a blend of reliability and convenience.

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4 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

₹4,00,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 4 Crore Home Loan Karur Vysya Bank Highlights

2. 4 Crore home loan EMI for 5 years From Karur Vysya Bank

3. 4 Crore home loan EMI for 10 years From Karur Vysya Bank

4. 4 Crore home loan EMI for 15 years From Karur Vysya Bank

5. 4 Crore home loan EMI for 20 years From Karur Vysya Bank

6. 4 Crore home loan EMI for 25 years From Karur Vysya Bank

7. 4 Crore Karur Vysya Bank home loan Fees and Charges

8. 4 Crore Karur Vysya Bank Home Loan Documents Required

9. 4 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: 4th July 2025

4 Crore Home Loan Karur Vysya Bank – Highlights

For a loan as significant as ₹4 Crore, it is essential to be clear about the lending terms from the outset. Below is a refined snapshot of the key features that define the Karur Vysya Bank 4 Crore home loan experience.

Feature	Description
Sanctioned Loan Value	Up to ₹4 Crore, subject to property and income assessment
Applicable Interest	Ranges from 8.75% to 11.70% per annum, based on profile
Maximum Term	Can stretch up to 25 years, as per the applicant’s eligibility
Processing Fee Slabs	₹2,500 + GST (up to ₹25L) ₹5,000 + GST (₹25L–₹50L) ₹7,500 + GST (above ₹50L)

4 Crore home loan EMI for 5 years From Karur Vysya Bank

Choosing a shorter tenure like 5 years for a Karur Vysya Bank 4 Crore home loan results in higher monthly instalments but ensures quicker repayment. This option suits borrowers with strong income stability seeking faster debt clearance.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹40000000	8.95% p.a.	5 years	₹ 8,29,364	₹ 97,61,840	₹ 4,97,61,840

4 Crore home loan EMI for 10 years From Karur Vysya Bank

A 10-year repayment plan under the Karur Vysya Bank 4 Crore home loan offers a middle ground, a manageable tenure with substantial monthly payouts. It appeals to those keen on limiting interest accumulation while still keeping repayment structured.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹40000000	8.95% p.a.	10 years	₹ 5,05,621	₹ 2,06,74,520	₹ 6,06,74,520

4 Crore home loan EMI for 15 years From Karur Vysya Bank

Here is the EMI distribution for a 15-year repayment option under Karur Vysya Bank’s 4 Crore home loan plan.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹40000000	8.95% p.a.	15 years	₹ 4,04,518	₹ 3,28,13,240	₹ 7,28,13,240

4 Crore home loan EMI for 20 years From Karur Vysya Bank

A 20-year loan tenure under the Karur Vysya Bank 4 Crore home loan scheme offers a balanced approach to affordability and long-term planning. The EMI details for this duration are provided below for your clarity.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹40000000	8.95% p.a.	20 years	₹ 3,58,605	₹ 4,60,65,200	₹ 8,60,65,200

4 Crore home loan EMI for 25 years From Karur Vysya Bank

Dividing your 4 Crore home loan from Karur Vysya Bank across 25 years can lighten the EMI load while maintaining long-term financial flexibility. Below is an overview of the expected repayment structure.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹4,00,00,000	8.95% p.a.	25 years	₹ 3,34,310	₹ 6,02,93,000	₹ 10,02,93,000

4 Crore Karur Vysya Bank home loan – Fees and Charges

Understanding the cost structure of a Karur Vysya Bank 4 Crore home loan is vital when planning your finances. For high-value loans like this, a processing fee of ₹7,500 plus GST is typically applicable. Prepayment and foreclosure charges are waived for floating-rate home loans, adding flexibility for early repayment. If any overdue amount arises, a 2% penal interest per month is levied. The maximum loan tenure can extend up to 25 years, with competitive interest rates starting from 8.75% per annum, depending on your creditworthiness. Always use the 4 Crore loan EMI calculator Karur Vysya Bank provides for precise planning.

4 Crore Karur Vysya Bank Home Loan – Documents Required

To process your Karur Vysya Bank 4 Crore home loan smoothly, certain documents are essential for verification and eligibility assessment. Ensuring these are in order helps expedite approvals and minimises delays.

Required Documents	Specifics
Loan Application	Fully completed and signed form, along with recent passport-size photos.
Proof of Identity	Any valid ID such as PAN, Aadhaar, Driving Licence, Passport, or Voter ID.
Residential Verification	Recent utility bills or official documents like Aadhaar or Passport.
For Salaried Applicants	Last 3 months’ salary slips, Form 16, and ITRs of the past two financial years.
For Self-Employed Applicants	Business registration proof, IT returns, and audited statements (2 years).
Banking Records	Last 6 months’ bank statements reflecting income and outflow patterns.
Property-Related Papers	Title documents, approved layout/building plan, and municipal tax receipts.

4 Crore Karur Vysya Bank home loan – Eligibility Criteria

Before applying for a ₹4 Crore home loan from Karur Vysya Bank, it is vital to check if you meet the qualifying benchmarks. These parameters help the bank assess your creditworthiness and repayment strength.

Age Requirement: Applicant must be at least 23 years old at the time of application and not older than 65 at loan maturity.
Nationality: Only Resident Indians, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs) can apply.
Employment Profile: Both salaried professionals and self-employed individuals/business owners are eligible.
Minimum Income Criteria: Salaried applicants must earn at least ₹18,000 monthly, while self-employed individuals should show ₹24,000 in annual income.
Credit Health: A CIBIL score of 750 or higher is considered favourable for sanctioning.
Loan-to-Value (LTV) Ratio: Up to 90% funding available for properties within ₹30 Lakh valuation; varies for higher slabs.
Repayment Capacity: Post-EMI, at least 25% of your monthly income should remain as surplus.

Frequently Asked Questions (FAQs)

What is the EMI for a 4 Crore Home Loan for 20 years in Karur Vysya Bank?

At an interest rate of 8.95% per annum, the EMI for a ₹4 Crore home loan over 20 years works out to approximately ₹35,954 per ₹1 Lakh, totalling to around ₹1,43,81,600 per year, or roughly ₹11.98 Lakhs per month. The final figure may slightly vary based on your credit profile and prevailing interest rate.

Who is eligible for a 4 Crore Home loan in Karur Vysya Bank?

Individuals aged 23 to 65 years, with stable income and a strong credit score (750+), are eligible. Salaried professionals, self-employed individuals, NRIs, and PIOs with a monthly income meeting the bank’s benchmarks can apply. Additionally, the applicant’s repayment capacity and property value influence final approval.

What is the monthly interest rate of a 4 Crore home loan in Karur Vysya Bank?

The monthly reducing interest rate typically ranges between 8.75% to 11.70% per annum. However, this rate is subject to the applicant’s creditworthiness, tenure chosen, and market lending rates. Karur Vysya Bank uses a floating rate system linked to its MCLR or Repo Linked Lending Rate.

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