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Compare Karur Vysya Bank vs Jammu And Kashmir Bank Home Loan

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Bank
Interest Rate
Interest Rate
7.15% - 9.35%
7.95% - 8.25%
Processing Fees
Processing Fees
Min ₹ 5,000;
Upto 0.25%
Min ₹ 5,000; Max ₹ 25,000
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 5 Cr
Maximum Tenure
Maximum Tenure
25 Years
30 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 716
₹ 730
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
RLLR
RLLR
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
65 Years
65 Years
For Women
For Women
N
N
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
3/5.0
3/5.0
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Compare Home Loan EMI of Karur Vysya Bank and Jammu And Kashmir Bank

Loan Amount Karur Vysya Bank Jammu And Kashmir Bank
₹ 10 Lakh ₹ 7,164 ₹ 7,303
₹ 25 Lakh ₹ 17,909 ₹ 18,257
₹ 30 Lakh ₹ 21,491 ₹ 21,908
₹ 50 Lakh ₹ 35,819 ₹ 36,514

Which is a better bank for Home Loan – Karur Vysya Bank or Jammu And Kashmir Bank?

Karur Vysya Bank offers lower Home Loan EMI at ₹ 716 on a Home Loan for 25 Years as compared to Jammu And Kashmir Bank with a minimum EMI of ₹ 730 for 30 Years. Average customer ratings for Karur Vysya Bank is currently at 3/5.0 which makes it a good choice for taking a Home Loan.

How does Karur Vysya Bank Home Loan compare with Jammu And Kashmir Bank Home Loan?

It is important to do a detailed comparison of Karur Vysya Bank and Jammu And Kashmir Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of Karur Vysya Bank Home Loan is 7.15%, which is lower than the lowest interest rate of Jammu And Kashmir Bank at 7.95% and hence, Karur Vysya Bank is offering a cheaper loan option.
  • When compared on other Home Loan charges such as processing fees, Karur Vysya Bank charges a lower processing fees of Nil vs Jammu And Kashmir Bank with a processing fees of 0.25% of loan amount.
  • Jammu And Kashmir Bank is a with its Home Loan rates benchmarked to RLLR. On the other hand, Karur Vysya Bank is a with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
  • Jammu And Kashmir Bank with an average customer ratings of 3 is equally comparable to Karur Vysya Bank with an average customer rating of 3, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Home Loan – Karur Vysya Bank or Jammu And Kashmir Bank?

As per the current rates, Karur Vysya Bank offers a lower interest rate of 7.15% on Home Loan when compared to Jammu And Kashmir Bank which offers a Home Loan at 7.95%.

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Home Loan News - Aug 2022
  • 2022-08-18 : HDFC bank opens its first all women branch in Kerela`s kozhikode.
    HDFC has opened its first all-women branch in Kozhikode. The branch, located in Cherootty Road, the hub of traders in the district, will have 4 women bankers. HDFC Bank is driving diversity and inclusion within the organization with a special focus on enhancing gender diversity.
  • 2022-08-18 : CCI`s nod to the merger of HDFC Bank, HDFC Ltd.
    The Competition Commission of India (CCI) has approved the proposal of merger of HDFC Bank and HDFC Ltd. Commission`s positive response to the combination involving amalgamation of HDFC Limited, HDFc Bank, HDFC Investments and HDFC Holdings.
  • 2022-08-17 : Hike in lending rate will affect SBI’s Home Loan EMIs.
    State Bank of India raised its marginal cost of funds based lending rate (MCLR) by 20 basis points (bps) across tenures. MCLR for one year is now at 7.70% compared to 7.50% previously. Since April 2022, the country’s largest bank has cumulatively hiked MCLR by 70 basis points. The bank has also increased its repo-linked lending rate (RLLR) and external benchmark lending rate (EBLR) by 50 bps to 7.65%.
  • 2022-08-09 : HDFC hikes MCRL by upto 10 bps on all loan tenures.
    With the effect of the 50bps hike by RBI in key policy rates, private sector lender HDFC increased its marginal cost of funds-based lending rates on loans across all tenures by upto 10 basis points. The one-year MCLR will now be 8.10% compared to 8.00% previously.
  • 2022-08-09 : Hike in lending rate by 25 basis points, home loans to be costlier.
    HDFC ltd. announced an increase in its benchmark lending rate by 25 basis points, a move that is likely to make loans dearer for both existing and new borrowers. The best home loans will be available at 7.8% compared to 7.55% previously. The move came after the RBI hiked the lending rate by 50 bps to 5.40% in its effort to cool down rising inflation.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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