KBL Home Top-up Loan
Embrace this opportunity to enhance your lifestyle and fulfill your aspirations with minimal fuss, all while leveraging the value of your existing property investment in India. It's perfect for those who've already taken a home loan from Karnataka Bank and need extra cash. With an attractive starting interest rate of 9.27*% - 10.95*%, a comfortable repayment tenure of up to 120 months, we provide an easy path to get a little more out of your existing loan. Whether it's for upscale home renovations, celebrating grand family occasions, or other significant personal expenditures, this loan amplifies your financial flexibility. Read more
Why this loan is for you
Designed to give you just what you need
Convenient top-up on existing home loans
Enjoy a comfortable tenure up to 120 months
Avail this for a variety of needs to suit your global lifestyle
Make matters simple and straightforward
A smart calculator for smart spending and savings
Eligibility criteria
Must construct a house within 5 years of plot purchase and be at least 21 years
- Non residents of India (NRIs) of 21 years of age who are existing KBL home loan (Apna Ghar/Elite/Home Comfort) customers
- Individuals compliant with FEMA guidelines
Documents required
- PAN card
- Aadhaar card or driver’s license
- Scanned or soft copy of KYC documents
As easy as 1,2,3...
Apply for a KBL Home Top-up Loan in 3 simple steps
Step 1
Visit your nearest branch
Go to your nearest Karnataka Bank branch
Step 2
Start with your basic details
Provide your basic details and keep your documents handy
Step 3
We’ll take care of the rest
Our branch officials will notify you when your loan is sanctioned
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Got questions? We’ve got answers
NRIs can choose a tenure up to 120 months, allowing for a flexible and manageable repayment schedule.
This loan allows existing Karnataka Bank housing loan customers to borrow additional funds through a digital process for your personal needs for up to ₹1 crore.
The loan requires continuing the mortgage on the existing property tied to the initial housing loan.
This loan is available to NRIs who have previously availed housing loans under schemes like KBL-Apna Ghar, Elite, or KBL Home Comfort, and have their Indian properties mortgaged.
To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Mobile Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.
NRIs are subject to a processing fee, which includes expenses for legal checks, property valuation, and obtaining background reports.
EMI for NRIs is a predetermined monthly amount, ensuring systematic repayment of both principal and interest over the selected tenure.
EMI (Equated Monthly Installment) is the fixed monthly payment made to the bank, covering both interest and principal repayment.
The loan is versatile, allowing NRIs to use it for various purposes including upgrading or renovating your property in India.
Yes, you can prepay your loan. For the applicable charges and conditions, please refer to your loan agreement for exact terms and conditions of a particular loan when applying.
Give your home in India the upgrade it deserves with KBL Home Top Up Loan. This product is specially designed for NRIs, providing an additional loan for home furnishing, over your existing home loan for home furnishing and renovations. With the KBL Home Top Up Loan, transform your space into a modern haven with new fixtures, fittings, and furniture, elevating comfort and style.
Non-resident Indians seeking to unlock the financial potential of their assets in India can take advantage of NRI loans against property. This type of loan is a prudent way to access funds for various personal and business purposes without liquidating your property. Whether you're planning to invest in new ventures, fund educational pursuits abroad, or cover unforeseen expenses, an NRI LAP loan provides the capital you need with the assurance of keeping your property. With attractive interest rates tailored for the NRI community, you can enjoy the dual benefits of liquidity and ownership. Karnataka Bank makes it easier for you to harness the value of your real estate investments in India, offering a secure and efficient lending service that respects your financial goals and the significance of your property holdings.
