KBL Home Comfort Loan

Elevate your Indian abode with a loan designed to transform your house into a personalized sanctuary. From elegant furnishings to modern solar systems and modular kitchens , we offer financial support that aligns with your vision of an ideal home. As an NRI, enjoy the convenience of digital processing and instant sanctions, simplifying your journey in upgrading interiors, from renovations to furnishings. Our flexible financing solutions cater to your unique style and needs, making it effortless to enhance the comfort of your home in India. Read more

Why this loan is for you

Designed to give you just what you need

Covers all home decor needs and interior upgrades, including furnishing

Upgrade newly bought, constructed or future homes

Quick digital processing for immediate loan sanctioning with special guidance for NRIs

Down payment amount

25% of the estimated cost.

Loan repayment

Make your loan payments in easy equated monthly installments (EMIs). If you’re an agriculturist, you can pay on a yearly basis (with annual interest) as well.

Up to 75% of the cost

We finance up to 75% of the total cost of your home's interior upgrades, including furnishings.

Loan collateral

The property or asset purchased with the loan, an already mortgaged property (with Apna Ghar or Elite loan), or a relative’s property can be used as collateral.

Guarantor

Your spouse (if applicable) or a solvent third-party can act as guarantor for the loan.

Make matters simple and straightforward

A smart calculator for smart spending and savings

Home loan calculator

Loan amount
₹50,000 ₹75,000,000
Rate of interest
5% 15%
Loan tenure
1 Months 360 Months

You will pay

₹13,800/Months

Not sure which product is for you?

Let’s find the best fit together

  • No spam calls
  • Dedicated KBL experts
  • Set up a call on your time

Eligibility criteria

  • Non resident of India (NRI) who is at least 18 years of age holding an Indian passport and having a regular source of income, either from employment in reputable organizations or as a self-employed professional
  • Salaried: minimum monthly salary of ₹40,000
  • Self-employed: Minimum gross income of ₹4,80,000

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 Comfort 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

image of smiling girl

Explore other options for you

Trusted by thousands and handpicked for financial excellence

KBL Apna Ghar Home Loan

  • Up to ₹7.5 crore max loan amount
  • Interest rate starting at 8.75*% p.a.
  • Up to 30 years loan tenure

KBL Ghar Niveshan Loan

  • Up to ₹75 lakhs max loan amount
  • Interest rate starting at 9.30% p.a.
  • Up to 84 months loan tenure

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Got questions? We’ve got answers

What exactly is the KBL Home Comfort Loan?

It's a specialized loan for NRIs, offered digitally, to finance various home improvement and furnishing needs in India. This includes funding for interior decoration, furniture, modular kitchens, solar systems, and more for newly bought or constructed properties.

NRIs can opt for a flexible tenure up to 120 months, allowing ample time for repayment based on their financial planning.

NRIs who are 18 years or older, with a maximum age limit of 60 for salaried and 70 for self-employed individuals. The loan is designed keeping in mind the needs of NRIs wanting to invest in your Indian homes.

The loan requires hypotecation of the assets bought with it and/or a mortgage of the house or flat. Additionally, a co-obligation or guarantor may be required.

NRIs are required to pay 25% of the purchase or estimated cost as down payment or margin money, which is a standard practice in home-related loans.

There's a processing fee that includes charges for legal scrutiny, property valuation, and background information reports, which are standard for loan processing.

EMI (Equated Monthly Installment) is the fixed monthly payment made to the bank, covering both interest and principal repayment.

EBLR (External Benchmark Lending Rate) is linked to a 10-year G-Sec (Government Security) rate, used by Karnataka Bank to determine floating home loan rates from 1st October, 2019.

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.

Begin by exploring our comprehensive guides and tools like loan calculators. They're designed to simplify the home-buying journey for NRIs.

Advantages of KBL Home Comfort Loan

Transform your house into a home with KBL Home Comfort Loan, offering loans tailored for NRIs seeking to furnish their living spaces. From buying comfortable furniture to upgrading interiors, this loan facilitates the enhancement of your home without financial strain. The process to apply for a home furniture loan is designed for convenience, granting you the power to beautify your space with ease. With KBL Home Comfort, experience the joy of personalizing your abode to reflect your style and comfort.

KBL's NRI home loans are a comprehensive financial solution for non-resident Indians aiming to buy, build, or renovate homes in India. Understanding the nuances of these loans is key—they're available to NRIs who want to invest in real estate in India, with the flexibility to cater to various financial situations and repayment capabilities. The loans cover a wide range of housing needs, from purchasing plots of land to buying ready-to-move-in properties. With transparent NRI home loan interest rates and a clear outline of the repayment schedule, Karnataka Bank stands out as a trusted partner for NRIs looking to establish roots in their home country.