KBL Mortgage Loan

A financial solution where you use your property as security for meeting various needs like business expansion, home repair or personal use. This is designed to fit many of your needs - whether you live in India or are an NRI. We make the process easy, so you can get the funds you need quickly at a fair price. Experience the ease of leveraging your property's value with our supportive and straightforward loan process, empowering you to achieve your goals without selling your asset. Read more

Why this loan is for you

Designed to give you just what you need

Catering diverse needs like business, education, and home renovation​​

Flexible repayment options for different circumstances

Offering interest rates that are hard to resist

Down payment amount

Up to 33.33% of the estimated amount.

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 36 times your latest annual take-home salary.

For the self-employed

Avail financing up to three times your average annual income for the last two years.

Based on market value

Avail financing up to 50% of the market value of the property (40% for industrial properties).

Loan collateral

The property being acquired is mortgaged as collateral for the loan.

Guarantor

A family member or third-party co-obligation or guarantee is required for this 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

Individuals of 21 years of age holding an Indian passport

Indian resident
  • Salaried person: monthly salary of ₹10,000
  • Self-employed: annual income of ₹1,20,000
  • Salaried person: monthly salary of ₹1,00,000
  • Self-employed: minimum gross income ₹12,00,000

Documents required

  • Aadhaar and PAN cards of the applicant/borrower, directors/partners/co-obligants/guarantors
  • Building plan
  • Net worth statement of directors/partners/co-obligants/guarantors
  • Tax paid receipts
  • Income proof
  • Bank statement

As easy as 1,2,3...

Apply for a KBL Mortgage Loan against property 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

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  • Interest rate starting at 9.27*% p.a.
  • Up to 120 months loan tenure

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Got questions? We’ve got answers.

How does a loan against property work?

It is a loan where you use your property as collateral to borrow funds. We offer this loan for various personal or business purposes, providing a secure way to access funds. You can use both residential and commercial properties as collateral for these loans. v

Both residential and commercial properties can be used as collateral. The property should have a clear title and meet our valuation criteria.

Prepayment charges may apply as per the terms and conditions of the loan. We recommend discussing this with our loan officer for detailed information.

Interest is calculated on a daily reducing balance method, which can be more beneficial compared to the traditional monthly reducing method. Check out our smart calculators to know more.

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

Unlocking potential with the KBL Mortgage Loan


The KBL Mortgage Loan is a versatile financial solution, designed to cater to a variety of your requirements, be it business expansion, educational expenses, or home renovations. Leveraging your property as security, we offer loans up to ₹7.5 crore with competitive interest rates starting at 9.93*% p.a. Our loan tenure extends up to 120 months, providing you with ample time to manage repayments conveniently. Whether you're residing in India or you're an NRI, our mortgage loan process is straightforward, allowing you to unlock the value of your property efficiently and without hassle.

he interest rates on loans against property are generally lower than unsecured loans but higher than home loans, reflecting the mixed risk profile. These rates can be fixed or floating, and it's crucial to understand how rate fluctuations can impact your repayments. When considering a loan like this, evaluate the loan-to-value ratio, interest rate, processing fees, and other charges. It’s important to have a clear repayment plan, as defaulting on the loan can lead to the loss of the pledged property.

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.