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Karur Vysya Bank Personal Loan - Eligibility & Documentation

Eligibility

An applicant must be minimum 21 years of age in order to avail this facility

The maximum age limit for availing this loan is set at 58 years.

A salaried or self-employed professional with regular income can apply for a KVB Personal loan

However, a non-salaried professional who earns more than the minimum income required for KVB Personal loan is also eligible for this loan.

The KVB Personal loan eligibility amount is decided after taking into account the net income after deduction of the EMI’S of other loans, if any and it should amount to a minimum of 25% of the applicant’s gross pay.

Documentation

  • Signed Application form with self-attested photograph: An applicant, at the time of applying for a KVB Personal loan must submit the KVB Personal loan application form duly filled with his/her true information and a signed photograph.
  • Identity Proof: Copy of Passport / Voter ID card / Driving License. Any one of the document can be submitted as a valid Identity Proof because all the listed documents have the individual’s photograph along with his or her name against the photograph proving the identity of the applicant. Required in case of both salaried and Non-salaried employees.
  • Address Proof – Copy of Ration Card / Electricity or Telephone Bill / Rental Agreement / Passport. The applicant needs to submit any one of the afore-mentioned documents which state the correct address of the applicant needed for the verification process of the bank. However, the documents should not be more than 3 months old.
  • Last 3 months’ bank statement or latest ITR or Form 16. These documents seek to verify the applicant’s income status prior to making the application for loan which also depicts the individual’s financial picture depicting the credit worthiness of the person. In case of salaried professionals, last three months bank statement, where the salary is credited. Required in the case of non-salaried professionals.
  • Latest Salary Slip or current dated Salary Certificate with latest Form 16 which is used to legally depict the current net salary of the individual and to check whether it matches the level of minimum net monthly income as lay down in the eligibility criteria checklist. Required in the case of salaried applicants.
  • Photographs: 2 passport size photographs in case of both salaried and non-salaried applicants.

Processing Fee Cheque: the bank charges a minimal amount for processing the KVB Personal loan. An applicant has to submit the same along with other documents at the time of KVB Personal loan application.

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Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

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