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  • Karur Vysya Bank Personal Loan EMI Calculator is Rated as "Great!" by 8 Users

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    Karur Vysya Bank Personal Loan EMI Calculator

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    Overview about KVB Personal Loan EMI Calculator

    Based in Karur, Tamil Nadu, Karur Vysya Bank has a rich history since its inception in 1916. With a solid network of 667 branches backed by 1,600 plus ATMs across the nation, KVB offers a wide range of banking and financial products to retail customers. The KVB Personal Loan is offered to salaried employees on both secured/unsecured basis for personal needs such as marriage, education, loan consolidation and other requirements.

    The tenure offered by KVB is up to 36 months for repayment of the borrowed loan in Equated Monthly Installments (EMIs). With a processing fee billed at the rate of just 0.40% of the disbursed loan amount, the interest charges for a Secured Personal Loan are billed at MCLR + 3.85% while the unsecured counterpart is MCLR + 6.35%. With such competitive rates, a loan from Karur Vysya Bank can be the most optimal deal to fund your personal goals that need financial impetus.

    How to use BankBazaar KVB Personal Loan Calculator to understand your Personal Loan Repayment

    As stated earlier, this repayment will be done in EMIs consisting of the principal amount plus applicable interest charges until the end of the loan term. Depending on the term chosen, repaying the amount borrowed can be quite a deal, since it can take a toll on your monthly budget. Therefore, it's important to prepare for the loan and choose the right term to ensure it does not burden you in the longer run.

    A key part of preparing for the loan is to calculate the financials involved in the loan such as the EMI amount, overall cost incurred and so on. To aid you in this homework is the Personal Loan EMI Calculator which not only helps in ascertaining the installment amount, but also provides a host of information such as amortization table to give you an all-round view. Figures obtained from this tool will also help in negotiating the terms such as a lower interest rate with the bank.

    How does the KVB Personal Loan EMI Calculator Work?

    This is an easy-to-use tool which provides an instant output in less than a second, with graphs and charts to help you analyse the monetary aspects of the loan. Before using the calculator, be ready with basic information from the proposed loan such as the amount, rate of interest, tenure and the processing fee (if any). Once you have these details handy.

    Follow 4 Easy steps below to get the KVB Personal Loan EMI amount and amortization table.

    • On scale one titled “Loan Amount”, move the slider slowly to choose the proposed loan amount.
    • On scale 2, follow the same procedure as above to freeze the loan tenure in years and months.
    • In the fields that follow, key in the interest rate and processing fee in percentage.
    • Now, validate the details provided to ensure accuracy and click “Calculate”.

    You now have the installment amount displayed on the screen followed by a breakup of interest and other charges in the form of a pie chart. When you scroll down further, the amortization table greets you with a breakup of payments, month wise.

    Features and Benefits of KVB Personal Loan EMI Calculator:

    EMI Amount

    The most appealing benefit of using this tool is to calculate the EMI amount. When you know what you’ll be paying into the loan well in advance, it helps in planning the monthly budget and also to alter the loan terms to match other financial commitments.

    Breakup of Finance Charges

    With the pie chart, you can analyse the total interest charges paid into the loan for the fixed term. This not only provides details of the overall costs involved, but also equips you with information to negotiate a lower deal if the charges are heavy.

    Amortization Table

    This table is like a loan statement in advance which helps in analysing the movement of the loan during the term. It offers a detailed breakup of principal and interest charges which feed the EMI each month and helps in making critical decisions pertaining to the loan such as pre-closure.

    KVB Personal Loan Calculator FAQs

    1. Is the information provided by the EMI calculator precise?

      The calculations are based on the universal formula used to arrive at the EMI numbers and is nearly accurate. There may be slight variations due to additional charges taken into account by the bank. You can contact the representatives at KVB for confirmation.

    2. Will this tool come handy to calculate compare loan offers from other banks as well?

      This tool can be used to calculate the EMI and compare offers from other banks and lenders as well. Follow the same procedure as provided in the sections above to get the required output.

    Personal Loan Reviews

    • Karur Vysya Bank Personal Loan
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a salary account from KARUR VYSYA bank so I got the loan process was easy they were not much needed with any documents the rate of interest they offered was 18 % which was fine compared to others in the market and the payment will be auto debited from my salary account .
      Was this review helpful? 1
      , vijayawada
      Reviewed on Oct 24, 2017
    • Karur Vysya Bank Personal Loan
      "Personal loan with KARUR VYSYA BANK"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from KARUR VYSYA BANK for 10 lakhs rupees.The rate of interest is 11% for 10 years.The monthly EMI comes around 15000.I got the approval with in 2 days with 3400 as processing fees.Documentation process also gone well without any lagging.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Oct 09, 2017
    • Karur Vysya Bank Personal Loan
      "The best service"
      0.5 5.0/5 "Blown Away!"
      Karur Vysya Bank offered me the personal loan. The documentation part was very simple, they asked me the documents which was easy to produce. I submitted form16, last six month bank statement and salary certificate along with the signature of my institute. Hardly they had taken four days, they delivered such a fast service. I felt easy to go with Karur Vysya Bank. They are good enough.
      Was this review helpful? 2
      , erode
      Reviewed on May 25, 2017
    • Karur Vysya Bank Personal Loan
      0.5 3.0/5 "Satisfactory"
      I took personal loan with the Karur Vysya bank before some long time and the interest rate was okay with them. Executives were really friendly with the customers on that time and it took around two weeks of time to get the loan amount to be get disbursed to the account.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 18, 2017
    • Karur Vysya Bank Personal Loan
      0.5 4.0/5 "Great!"
      Based on the exsisting relationship that I have with KVB,I had filled in an application form. That would be all, the rest was taken care by KVB. The management looked in to it and processed by loan. Ofcourse, I was offered a prefential rate of interest but the processing fee is a standard one for all. Best of all, they did not ask for any documents.
      Was this review helpful? 1
      , erode
      Reviewed on Sep 08, 2016
    • Karur Vysya Bank Personal Loan
      "Understand your customers"
      0.5 3.0/5 "Satisfactory"
      Karur Vysya bank has offered me a personal loan because my MD has recommended me. The process for the loan was quick. They offered me a good rate of interest of 13.9%. But they have given me a EMI date of 29th. So have requested them to change it to the 1st of the month as it would be more convenient for me to pay my EMI. But they have not taken up my request. So when ever there is a late payment. They take the interest rate accumulated for those few days.
      Was this review helpful? 5
      , hyderabad
      Reviewed on Oct 22, 2015
    • Karur Vysya Bank Personal Loan
      0.5 4.0/5 "Great!"
      I got the personal loan with the Karur Vysya Bank for the interest as 9% and am happy with this. Within a week of time I got the loan to be disbursed in my account. Faster process and the less rate of interest is the best with them. From the last 4 years I been with them by having the business account.
      Was this review helpful? 5
      , tirupati
      Reviewed on Oct 05, 2015
    • Karur Vysya Bank Personal Loan
      "Best for loan trasnfer"
      0.5 2.0/5 "Expected more"
      KVB personal loan process is good. My opinion is they should try and create exception. They require a lot of documents and they took more than 40 days of time to provide the loan. Interest rate and processing fee charged by them is fine. There is no issue or hassle with them. I am very much happy with the level of service offered by them. Its an ongoing loan. Interest rate offered by them was 13.99%. It would be great if they were able to take over all the bank loan in one short .
      Was this review helpful? 12
      , hyderabad
      Reviewed on Jun 19, 2015
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