Your home, our priority

We understand that a home is more a place where memories are made. It's a sanctuary that spend our everyday lives in. This is why designing home loans with your aspirations and financial comfort are our top priorities. Whether you're buying your first house, upgrading to a larger space, or investing in property, our housing loans are tailored to meet your unique needs. Banking with us makes every step towards homeownership simpler and more smooth. Read more

Apply for a KBL Xpress Home Loan

  • Financing for a new home
  • Interest rate starting at 8.75% p.a.
  • Instant processing and quick sanction

Apply for a KBL Xpress Home Comfort Loan

  • For renovations, home decor and furnishing
  • For existing KBL home loan customers
  • Swift approvals and quick sanction

Apply for a KBL Xpress Ghar Niveshan Loan

  • Fund the purchase of a site or residential plot
  • Interest rate starting at 9% p.a.
  • Instant processing and quick sanction

Your money, your way

Smart tools 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

Why choose our home loans

Getting you where you need to go

We try to maximize your savings with affordable and competitve rates 

Customized repayment terms for every kind of customer

A smooth and quick approval process with due diligence

Who can apply for KBL home loans

  • Individuals who are resident of India
  • Individuals at least 18 years old
  • NRIs holding an Indian passport
  • Minimum salary of ₹10,000 for salaried
  • Minimum income of ₹120,000 for businessmen and self employed
who can apply
BANKING WITH YOU

Here for you, always

24/7 support for your banking needs

  • Internet Banking

    KBL MoneyClick

  • Digital Banking

    WhatsApp banking

  • Service Branches

    Locate us

Banking with trust, expertise and care

Expanding the KBL family everyday

Mr. Sirimall Mahesh

“It was quick sanctioning and fully digital”

Mr. Sirimall Mahesh

KBL Xpress Car Loan

17 Jan,2024
Carol Dsouza

“It was very easy to use and helpful. The staff are very friendly and helpful”

Carol Dsouza

KBL Xpress Car Loan

02 Nov,2023
Mr. Shadul Umaji Yadhav

“It was like quick, hassle-free, fully digital. Outstanding and excellent.”

Mr. Shadul Umaji Yadhav

KBL Mobile Plus

02 Nov,2023
Karan Deodatta Pradeshi

“I just wanted to open a new personal account. So my business partner recommended me to open an account in Karnataka Bank and I am quite happy with my decision. They (the staff) are very kind, very supportive and they attend to you very well.”

Karan Deodatta Pradeshi

Savings Account

02 Nov,2023
Rahul Nasal

“I downloaded their mobile banking app to test out its functionality - one of the most responsive and most user friendly. It is the perfect blend of the conventional personal touch banking and the high-tech digital banking”

Rahul Nasal

Mobile Banking

02 Nov,2023

Got questions? We’ve got answers.

Can I prepay my loan and are there any charges for it?

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.

Karnataka Bank's eligibility criteria depends on a combination of many factors. They include age, income stability, credit score and property value. Moreover, Indian residents, NRIs, and OCIs can apply to tailored loan and we try to make sure each plan’s assessment criteria is suited to your needs as a customer. For detailed eligibility, get in touch with us.

Your first home an important milestone, making it important to learn about the process as much as possible. Karnataka Bank provides home buying guides, loan calculators nd informational articles are that easy and straightforward.

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. NRIs can apply for loans with special loans tailored to our NRI customers.

Advantages of home loans


Our quick housing 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.

The interest rate can be either fixed or floating. Fixed rates remain constant throughout the tenure, providing certainty in budget planning. Floating rates, however, are linked to market conditions and can fluctuate. The interest calculation on a reducing balance basis means that as you gradually repay the principal, the interest component on your EMIs decreases. It's crucial to assess your repayment capacity before taking a home loan. Factors such as down payment, EMI affordability, loan tenure, and additional costs like processing fees, legal charges, and stamp duty should be thoroughly considered. Also, keep an eye on market trends, as they can affect floating interest rates. Our fast home loan services are structured to provide you with the financial backing you need to make your dream home a reality. As a contender for the best bank for home loans, we pride ourselves on offering competitive home loan interest rates and a straightforward application process. Our easy home loan solutions are designed to minimize paperwork and maximize efficiency, allowing you to focus on the joy of homeownership.

Important do’s and don’ts for home loansImportant do’s and don’ts for home loans
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.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.