KVB Personal Loan 2025 - Up to ₹2 Crore with Quick Disbursal

Note: The above-listed rate of interest are as on 8 August 2025 and are subject to change at the discretion of the bank.  
KVB offers personal loans up to Rs.2 crore under below categories:

1. Personal Loan (Secured/Unsecured) 
2. Personal Loan Corporate 
3. Jewel Loan/Overdraft 

While these loans are designed for specific purposes and have different terms, conditions, and features, Karur Vysya Bank offers them under their personal loan product portfolio.

Personal Loan Schemes offered by Karur Vysya Bank

Personal Loan (Secured and Unsecured)

This is a short-term loan that can be availed to fulfil unforeseen exigencies and personal financial needs. The key features of the schemes have been listed below:

1. The maximum loan amount that can be availed under this scheme is Rs.10 lakh.
2. The entire process is paperless, quick, and hassle-free and in principle, sanction can be done in 15 minutes based on the credit rating of the borrower.
3. The loan can be repaid in tenures ranging between 1 year and 5 years.
4. If the borrower wishes to provide a security for the loan, he/she can provide bank deposits, government bonds, land, buildings, etc., as security.
5. To establish the repayment capacity of the borrower, the bank will require him/her to provide a salary certificate.
6. Self-employed individuals should provide IT returns for the bank to ascertain the income and repayment capacity.

Karur Vysya Bank Jewel Loan and Overdraft Options

You can avail a gold loan from Karur Vysya Bank in the form of Overdraft (Swarnamitra) or short-term loans. The features of this scheme are given below:

1. The minimum amount that can be availed as loan under this scheme is Rs.5,000 while the maximum loan amount is Rs.2 crore lakh.
2. The repayment tenure on the loan is 1 year which can be renewed for a further 12 months at the discretion of the bank.
3. The primary security for this loan scheme is gold jewellery with at least 22-carat purity.
4. Gold Ingots bought from banks can also be pledged as security to avail this loan.
5. The servicing on the interest must be done monthly.
6. This scheme can be availed only by the owner of the jewellery.

Personal Loan Corporate

This loan, which is a personal loan, is mainly intended for permanent employees of reputable businesses, educational institutions, government agencies, etc., to cover living, medical, and other expenditures for themselves and their dependents.

Features of this scheme are given below:

1. This loan is payable in installments.
2. It is only available to permanent workers who have not defaulted on any other bank or financial institution and have a minimum of two years of verified service and one year of unexpired service.
3. The capable pay disbursing authority's undertaking letter must be on hand.

Documentation Required for KVB Personal Loan

The documents required for applying personal loan from Karur Vysya Bank will depend on the type of loan. However, the basic documents required have been listed below:

Photo ID proof

Passport, PAN Card, Driver's License, Voter's ID, etc.

Proof of Address

Passport, Driver's License, Voter's ID, etc.

Proof of Age

Valid Passport, Banker's Certificate, Driver's License, Birth Certificate, etc.

Salaried individuals may have to provide additional documents such as salary slips, bank statements, Form 16 while self-employed individuals have to provide proof of income, proof of continuity of business, proof of office ownership, etc.

Benefits of Choosing Karur Vysya Bank Personal Loans

As Indians, we have certain obligatory expenses that may cost more than what you can afford with your planned savings - like giving your daughters their dream weddings or funding your child's higher education abroad. Sometimes, even savings and meticulous planning aren't enough to pay for things like large assets for your business, a long-overdue international family vacation, or even remodeling your home. Whatever the reason for your loan application may be, Karur Vysya Bank has a few options on offer that could be well-suited to your needs.

The range of personal loans from Karur Vysya Bank enables all those activities for which you don't have the funds. Travel with the Bon Voyage loan, get a loan in instalments with the Insta Loan, meet unforeseen expenses with the Personal Loan, and exploit the repayment flexibility of the Quick Loan.

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