75 Lakh Home Loan From Karur Vysya Bank

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In today’s rising real estate market, a ₹75 Lakh Home Loan from Karur Vysya Bank presents a strategic way to acquire high-value property in a developing neighbourhood. It enables you to invest in premium real estate that promises both comfort and long-term value appreciation. With flexible repayment plans and low interest rates, the loan can be managed easily. The funding can cover purchase, construction, or even major renovation with transparent eligibility norms and accessible support. Borrowers can choose a tenure that fits their income pattern, and opt for floating interest rates to reduce the EMI burden.

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75 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

₹75,00,000

Interest Payable

Total Amount Payable

Table of Content

1. 75 Lakh Home Loan From Karur Vysya Bank Highlights

2. 75 Lakh Home Loan EMI for 5 Years From Karur Vysya Bank

3. 75 Lakh Home Loan EMI for 10 Years From Karur Vysya Bank

4. 75 Lakh Home Loan EMI for 15 Years From Karur Vysya Bank

5. 75 Lakh Home Loan EMI for 20 Years From Karur Vysya Bank

6. 75 Lakh Home Loan EMI for 25 Years From Karur Vysya Bank

7. 75 Lakh Karur Vysya Bank Home Loan Charges

8. 75 Lakh Karur Vysya Bank Home Loan Documents Required

9. 75 Lakh Karur Vysya Bank Home Loan Eligibility Criteria

Written By

Bhavya Kamra

With a background in commerce and a strong affinity for numbers, Bhavya is dedicated to delivering accurate financial insights in her blog. She avidly reads finance magazines and articles to stay updated on the latest market trends. Currently crafting content for Urban Money, Bhavya aims to offer practical financial tips and simplify complex subjects into easy-to-understand steps.

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.

75 Lakh Home Loan From Karur Vysya Bank – Highlights

Explore the core benefits and terms of Karur Vysya Bank’s ₹75 lakh home loan to make an informed borrowing decision.

Features	Metric
Purpose of Loan	Purchase, construction, renovation
Loan Amount (% LTV)	Up to 90% of the property value
Margin Requirement	10–30%
Interest Rates	8.40–10.00% p.a. (floating)
Repayment Tenure	Up to 30/ years

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

If you choose to repay your Karur Vysya Bank ₹75 lakh home loan within 5 years, your EMIs will be considerably higher due to the short tenure. Here’s a complete breakdown of the loan details:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹75,00,000	9.20% p.a.	5 years	₹1,56,417	₹18,85,000	₹93,85,000

75 Lakh Home Loan EMI for 10 Years From Karur Vysya Bank

Opting for a 10-year tenure spreads your ₹75 lakh home loan into more manageable EMIs while still keeping the interest outgo in check. Here’s how it works:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹75,00,000	9.20% p.a.	10 years	₹95,821	₹39,98,463	₹1,14,98,463

75 Lakh Home Loan EMI for 15 Years From Karur Vysya Bank

Choosing a 15-year term provides a balance between affordable EMIs and moderate total interest. Here’s the EMI and total interest payable:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹75,00,000	9.20% p.a.	15 years	₹76,965	₹63,53,681	₹1,38,53,681

75 Lakh Home Loan EMI for 20 Years From Karur Vysya Bank

A 20-year repayment plan lowers your monthly outflow, making homeownership more manageable over time, although it results in higher interest payments. Here is a detailed breakdown of the loan figures:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹75,00,000	9.20% p.a.	20 years	₹68,447	₹89,27,317	₹1,64,27,317

75 Lakh Home Loan EMI for 25 Years From Karur Vysya Bank

Choosing a 25-year tenure spreads your repayments over a longer period, resulting in lower EMIs and improved monthly affordability. The complete financial breakdown of the loan scenario includes:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payable
₹75,00,000	9.20% p.a.	25 years	₹63,970	₹1,16,91,022	₹1,91,91,022

75 Lakh Karur Vysya Bank Home Loan – Charges

When applying for a ₹75 lakh home loan from Karur Vysya Bank, borrowers should account for standard charges beyond the monthly EMI. For loan amounts exceeding ₹50 lakh, the bank charges a processing fee of ₹10,000 plus applicable Goods and Services Tax (GST). Prepayment and foreclosure charges are waived for floating-rate home loans. However, any overdue EMI or defaulted payment attracts a penal interest of 2% per month on the outstanding amount. The maximum loan tenure allowed is up to 25 years, with an additional 5 years as a holiday period. Additionally, based on the property’s value and internal appraisal, the Loan-to-Value (LTV) ratio may be capped at 75% to 80%, meaning applicants must contribute a margin of 20% to 25% of the property’s value from their funds.

75 Lakh Karur Vysya Bank Home Loan – Documents Required

When applying for a Karur Vysya Bank ₹75 lakh home loan, submitting the correct set of documents can significantly expedite your approval process and enhance your chances of loan application selection. These include,

Document Type	Examples
Identity & Address Proof	Aadhaar Card, PAN Card, Passport, Voter ID, Driving Licence
Income Proof	Latest salary slips (3 months), ITR (2 years), CA-certified statements (for self-employed)
Bank Statements	Past 6 months’ bank statements from salary or business account
Property Documents	Title deed, sale agreement, approved building plan, tax receipts

75 Lakh Karur Vysya Bank Home Loan – Eligibility Criteria

Applicants must be at least 21 years old at the time of application and should not exceed 65 years by the end of the loan tenure. The loan is open to salaried individuals, self-employed professionals, business owners, and pensioners with a steady income stream. A minimum monthly income of ₹35,000–₹50,000 is typically expected, along with a strong CIBIL score of over 750.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹75 Lakh Home Loan over 20 years with Karur Vysya Bank?

For a ₹75 Lakh home loan from Karur Vysya Bank with a 20-year tenure at an interest rate of 8.95% p.a., the estimated EMI would be ₹67,010 per month.

Who is eligible for a ₹75 Lakh Home Loan from Karur Vysya Bank?

Self-employed and salaried applicants between the ages of 21 and 65 years with a stable income and a credit score of 750 or above are typically eligible for this loan.

What is the monthly interest rate on a ₹75 Lakh home loan from Karur Vysya Bank?

The monthly interest rate for a ₹75 Lakh home loan is approximately 0.7458%, based on an annual rate of 8.95%, but this can vary according to the borrower’s creditworthiness and employment type.

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