निजी क्षेत्र का बैंक (Private Bank)सभी पात्र नागरिकस्वीकृति गति: 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

करूर वैश्य बैंक केवीबी पर्सनल लोन

Karur Vysya Bank personal loan for salaried and self-employed individuals up to ₹10 Lakhs.

ऋण राशि सीमा₹50,000 to ₹10,00,000

ब्याज दर (APR)11.85% - 16.75% p.a. (floating RLLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क1.00% of loan amount + GST (Min ₹1,000)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Karur Vysya Bank's unsecured personal loan scheme for salaried individuals, professionals, and traders to meet household and personal cash flow needs.

प्रमुख लाभ एवं विशेषताएं

• Loan quantum up to ₹10 Lakhs without pledging assets • Repayment tenure up to 5 years (60 months) • Fast digital in-principle sanction via KVB DLite mobile app • Competitive interest rates tied to Repo Rate.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees and self-employed professionals with regular income. Min Age: 21, Max Age: 60. Min Net Monthly Income: ₹20,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

2% prepayment penalty if pre-closed within 12 months; NIL thereafter.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card • Financial Proof: Last 3 months payslips, Form 16, or 2 years ITR • Bank Statement: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Employer salary mandate or check-off required for salaried applicants. • Minimum 2 years of ITRs required for self-employed applicants. • Prepayment penalty of 2% applies if closed within the first 12 months.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open KVB DLite App > Loans > Personal Loan. Select amount and e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit kvb.co.in > Personal Loans. Submit application and upload payslips.

3. बैंक शाखा में जाकर:

1. Visit nearest Karur Vysya Bank branch with payslips and bank statement.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in KVB?

Up to ₹10 Lakhs depending on your income profile and credit score.

Can self-employed professionals apply?

Yes, doctors, CAs, and business owners with at least 2 years ITR are eligible.

What is the processing fee?

1.00% of the loan amount subject to a minimum of ₹1,000 plus GST.