Get Lowest Personal Loan Interest Rate ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Check Eligibility

Karnataka Bank offers a range of loan products to help you meet your financial obligations, personally and professionally. These loans cater to various requirements, with options such as:

  • Insta Cash Loan

  • Ravi Kiran Loan

  • Xpress Cash Loan

  • Vidya Nidhi


Each loan has unique features to suit your financial needs. Read on to learn more about the Karnataka Bank Personal Loan eligibility criteria, features, interest rates, and how you can apply for one.

Karnataka Bank Personal Loan Details

Whether you need quick cash, a longer repayment period, or a higher loan amount, Karnataka Bank Personal Loan is the perfect solution. Here are a few key details to note. 

Interest rate

12%-17% p.a.

Loan amount

Up to ₹5 Lakhs


Up to 60 months

Processing charges

  • For loan amounts up to ₹1 Lakh: ₹2,500

  • For loan amount above ₹2 Lakhs: 2% of the loan amount, a minimum of ₹2,500 and a maximum of ₹8,500

Karnataka Bank online personal loan eligibility 

  • Minimum age requirement of 21 years when applying online or offline

  • Minimum employment experience of 6 months for private and government sector employees

Disclaimer: The details mentioned are subject to change at the lender’s discretion.

Karnataka Bank Personal Loan Interest Rate

Before availing a personal loan, you must be aware of Karnataka Bank Personal Loan interest rates. Remember that interest rates vary based on the loan amount and tenure you choose. Furthermore, your credit score and monthly income also impact loan interest rates. 

So, it is knowing the interest rates before you avail any loan is crucial. Here’s a brief glimpse of Karnataka Bank Personal Loan interest rates:

Minimum Interest Rate

12.00% p.a.

Maximum Interest Rate

17.00% p.a.

Disclaimer: The rates mentioned are subject to change at the lender’s discretion.

Karnataka Bank Personal Loan Fees & Charges

When availing a personal loan from Karnataka Bank, you need to know about its associated fees and charges. This is so because these charges can impact the total cost of your loan and your repayment ability.

Check out this table outlining fees and charges of Karnataka Bank Personal Loans.

Types of Charges


Processing fee

  • For loan amounts up to ₹1 Lakh: ₹2,500

  • For loan amount above ₹2 Lakhs: 2% of the loan amount, a minimum of ₹2,500 and a maximum of ₹8,500

Loan cancellation charges


Part-prepayment charges


Disclaimer: GST (Goods and Services Tax) will apply to all fees and charges. Please refer to the bank's website for detailed and updated information.

Karnataka Bank Personal Loan EMI Calculator

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Types of Karnataka Bank Personal Loans

Karnataka Bank offers a range of financial products to meet your financial needs. However, amongst personal loans, it provides only a single type of loan called the KBL Xpress Cash Loan.

You can easily avail this unsecured personal loan online with minimal documentation and simple eligibility criteria. While you can get a maximum loan amount of up to ₹5 Lakhs, you get a maximum repayment period of up to 60 months. 

Karnataka Bank Personal Loan Features & Benefits


You can avail a maximum loan amount of up to ₹5 Lakhs on an Xpress Cash Loan.

Flexible Tenure of Repayment

When you opt for a Karnataka Bank Personal Loan, you get a maximum repayment tenure of up to 60 months.

Wide Range of Schemes

Using Karnataka Bank Personal Loans, you can meet your personal and business needs.

Seamless and Hassle-Free Application Process

You can apply for a Karnataka Bank Personal Loan online from your home by submitting your application on its website.

Karnataka Bank Personal Loan Eligibility

To be eligible to apply for a Karnataka Bank Personal Loan, you must meet the following criteria:

  • You must be at least 21 years of age

  • You must be either a government or private service employee, having worked for at least 6 months

  • You must not have a pre-existing loan from Karnataka Bank

Documents Required for a Karnataka Bank Personal Loan

To avail a KBL personal loan, you must submit the following documents:

  • Proof of Identity such as a Passport, Voter ID card, Aadhaar card, or Driving licence

  • Proof of Residence such as a Passport, Utility bill, or Rental agreement

  • Bank Statement for the last 3 months

  • Last 3 month’s salary slip

  • 2 passport-size photographs

How to Apply for a Karnataka Bank Personal Loan

To avail a Karnataka Bank Personal Loan, apply online using the steps mentioned below:

  • Step 1: Visit the official Karnataka Bank website, and under the ‘Loan’ tab, click on the ‘Personal Loan’ section

  • Step 2: Click on ‘Apply Now,’ and if you are an existing customer, log in using your credentials

  • Step 3: Enter the OTP you received on your registered mobile number

  • Step 4: Enter personal details such as name, email id, and mobile number, if you are a new member

  • Step 5: Submit the application form and necessary documents

  • Step 6: Get funds credited to your account after the bank verifies and approves your loan


You can also apply for a KBL personal loan offline by visiting the nearest Karnataka Bank branch and completing the application form.

How Can I Contact Karnataka Bank Customer Care?

To get in touch with Karnataka Bank customer care, you can call Karnataka Bank's customer care toll-free numbers at 1800 425 1444 and 1800 572 8031. Alternatively, you can also send an email to Make sure to state your query clearly.

You may also visit your nearest Karnataka Bank branch and speak to a customer care representative. You can find the nearest branch using the bank's official website or mobile app.

Karnataka Bank is active on social media platforms such as Twitter and Facebook. You can send a message or tweet your query or complaint, and the customer care team will get back to you.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Karnataka Bank Personal Loan

What is the maximum personal loan amount that Karnataka Bank can sanction?

The maximum personal loan Karnataka Bank offers is ₹5 Lakhs under the Xpress Cash Loan.

Is there an age limit to apply for a Karnataka Bank Personal Loan?

Yes, you must be at least 21 years of age.

How much time does it take for the Karnataka Bank Personal Loan to be approved?

The bank approves the Xpress Cash Loan within 10 minutes of application.

How can I calculate Karnataka Bank Personal Loan EMIs?

You can calculate the Karnataka Bank Personal Loan EMI using the EMI Calculator online.

What Is the CIBIL Score Required to Avail a Personal Loan in Karnataka Bank?

The CIBIL score required for a personal loan in Karnataka Bank is typically 750 or above. However, meeting the minimum score requirement does not guarantee loan approval, as other factors, such as income and credit history, are also considered.

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