KBL Xpress Home Loan

Designed for the modern era, our digital-first approach makes the KBL Xpress Home Loan a speedy, hassle-free option, bringing you closer to your dream home in no time. Our digital-first approach guarantees instant in-principle loan sanctions, cutting down wait times and paperwork. Whether you're renovating, buying, or constructing, we support not just home purchases and constructions but also renovations and repairs, with tenures to 30 years. Read more

Why this loan is for you

Designed to give you just what you need

Get your loan sanctioned in-principle through our digital process swiftly

Tailored options for Indians and NRIs

Repay loans comfortably with up to 30 years for construction

Down payment amount

10-25% for new construction, and 30% for a house or flat above 10 years.

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.

For salaried individuals


Avail financing up to 60 times your latest net monthly salary if you’re a salaried individual.

For the self-employed


Avail financing up to 5 times your average net income or profit plus depreciation (based on the last two years’ P&L statement) if you’re a self-employed professional, businessman or trader.
 

For agriculturists


Avail financing up to 5 times your current net annual income.
 

Loan collateral


The house property being constructed, purchased, renovated or repaired is mortgaged as collateral for the home loan.
 

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

Eligibility criteria

Must be atleast 18 years old with maximum age limit of 60 years (70 years for agriculturalists)

Indian resident
  • Salaried person: monthly salary of ₹10,000
  • Self-employed: annual income of ₹1,20,000
  • Salaried person: monthly salary ₹40,000
  • Self-employed: minimum gross income ₹4,80,000

Documents required

Existing customer
  • PAN card
  • Customer ID or debit card number
  • Scanned or soft copy of KYC documents
  • PAN card
  • Customer ID or debit card number
  • Scanned or soft copy of KYC documents
  • PDF and scanned copy of salary account statement for last 12 months
  • If existing customer, system will auto-fetch information
  • PDF and scanned copy of salary account statement for last 12 months
  • If existing customer, system will auto-fetch information

As easy as 1,2,3...

Apply for a KBL Xpress Home Loan in 3 simple steps

Step 1

Start with your basic details

Provide your basic details and keep your documents handy

Step 2

Verify your details

Verify your details and pay processing fees

Step 3

Upload documents

Upload the documents and wait for us to send you a confirmation

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Explore other options for you

Trusted by thousands and handpicked for financial excellence

KBL Xpress Home Comfort Loan

  • Up to ₹1 crore max loan amount
  • Interest rate starting at 9% p.a.
  • Up to 120 months loan tenure

KBL Xpress Ghar Niveshan Loan

  • Up to ₹75 lakh max loan amount
  • Interest rate starting at 9% p.a.
  • Up to 84 months loan tenure

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Got questions? We’ve got answers.

What security is required for the loan?

We require a mortgage of the property you're financing as security. Rest assured, we guide you through this process, ensuring the property has a clear and marketable title, safeguarding your interests and ours.

When you opt for our home loan, you'll need to arrange 15% to 25% of the property's cost as down payment or margin money. We finance the remaining amount, providing an easy, stress-free experience.

Equated Monthly Instalment is a structured payment method that enables you to repay your loan in fixed monthly amounts. This includes both the interest and the principal, designed to reduce your loan balance while fitting into your monthly budget comfortably.

Yes, first-time homebuyers can avail of tax benefits on both the principal and interest components of the home loan under various sections of the Income Tax Act.

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.

Advantages of home loans


Home loans are specifically designed to facilitate the purchase, construction, or renovation of a residential property. They are typically long-term loans, with tenures extending up to 30 years, allowing for manageable repayment plans. The loan amount usually covers a significant portion of the property's value, often up to 80-90%. The primary benefit of a home loan is the ability to acquire property without immediate full payment, making homeownership accessible. They often come with competitive interest rates, especially when compared to unsecured loan types. Home loans also offer tax benefits, allowing deductions on both principal and interest payments under various sections of the Income Tax Act in India.


Whether you're eyeing a home loan for renovation to refresh your living space or seeking a loan for house construction to start from scratch, our Apna Ghar loan is your ally. Our home renovation loan offers a financial foundation for those upgrades, while our loan for house purchase supports your journey to homeownership.


Do ensure to have a stable income source and a good credit score before applying. Compare different lenders for the best interest rates and terms. Don't underestimate the impact of additional costs. Maintain a contingency fund for unexpected expenses. Timely repayment is crucial, as defaulting on a home loan can have serious consequences, including the loss of your home.


Financial planning is the cornerstone of responsible borrowing, especially when it comes to home loans. Our home loan EMI calculator is an invaluable tool for prospective homeowners, providing a detailed forecast of monthly installments based on various home loan interest rates and tenures. This allows for better budget management and prepares you for the financial commitment ahead. By understanding the housing loan interest rate landscape, you can make smarter decisions that align with your long-term financial objectives.