KBL Home Top-up Loan

The key to unlocking additional funds for personal needs without the hassle of a new loan. 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*%, 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 home renovation, a family wedding, or any other personal expense, this top-up on your home loan offers a simple solution. 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

Down payment amount

Up to 25% of the estimated amount.

Loan repayment

Make your loan payments in easy equated monthly installments (EMIs).

Loan collateral

The house or flat used as mortgage for the home loan will continue to be mortgaged as collateral for the top-up 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

Emi Calculator

Loan amount
25000 1000000
Rate of interest
2% 18%
Loan tenure
1 Months 60 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

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

  • 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
  • Aadhar card or driver’s license
  • 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 operative account statement for last 12 months
  • If existing customer, system will auto-fetch information

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

As easy as

Explore other options for you

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KBL Mortgage Loan

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  • Interest rate starting at 9.93*% p.a.
  • Up to 120 months loan tenure

KBL Suvidha Overdraft Loan

  • Up to ₹25 lakh max loan amount
  • Interest rate starting at 11.68*% p.a.
  • Up to 24 months loan tenure

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Got questions? We’ve got answers.

What are the repayment terms for this loan?

You have a maximum tenure of 120 months to repay the loan, providing ample time for financial planning.

Equated Monthly Installmen 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.

The loan is secured against your property already mortgaged with us, ensuring a straightforward process.

The interest rates for the Home Top-Up scheme start at 9.27*%. The exact rate may vary depending on various factors such as your income, credit history, and the value of your collateral. Our competitive rates ensure that your overdraft facility is affordable and aligns with your financial situation.

The loan offers a flexible repayment tenure of up to 120 months, allowing you to plan your finances without any pressure.

Enhance your loan with the KBL Home Top-up Loan

Tailored for those who have already embarked on their homeowner journey with an existing home loan from KBL, this loan is perfect for when you need that extra financial boost. Whether it's for home improvements, funding an education, or covering unexpected expenses, our top-up loan comes with an attractive interest rate starting at 9.27*% p.a. Offering loan amounts up to ₹1 crore and flexible repayment options extending up to 120 months, we provide a simple yet effective solution to meet your additional funding needs without the complexity of acquiring a new loan.

Our KBL Home Top-up Loan comes with an appealing interest rate starting at just 9.27*% p.a., making it a cost-effective choice for your extra funding needs. This competitive rate ensures that you can borrow against your home's value without the financial strain typically associated with unsecured loans. With our top-up loan, the interest is calculated on the incremental amount, keeping your repayments affordable over a tenure of up to 120 months. We make it our goal to ensure that you can secure the funds you need for any purpose – from renovation projects to personal expenditures – without compromising your financial stability.

Do assess your financial stability and ability to repay before taking the loan. Ensure that the purpose of the loan justifies the risk of pledging a property. It's advisable to have insurance on the property to protect against unforeseen circumstances. Don't underestimate the costs associated with the loan, including processing fees and potential prepayment penalties. Avoid over-leveraging your property, and always have a contingency plan for repayments in case of financial setbacks.