Digital processing and Instant In-principle Sanction. Eligibility Criteria for Home Loan: - Individuals who are resident of India. - NRIs holding an Indian passport. - Minimum age Limit: 18 years Income: Resident Indian: - Salaried Persons: Minimum net monthly income ₹10,000/- - Agriculturist: Minimum Annual net income ₹1,20,000/- - Business Men/Professionals/Self Employed: Minimum Annual net income ₹1,20,000/- NRIs: - Salaried Person: Minimum gross monthly salary ₹40,000/- - Business Men/Professionals/Self Employed: Minimum Annual gross income of ₹4,80,000/- (NRI applications processed manually) Apply for Home Loan Online From Karnataka Bank