Kunal was born to actors Ravi and Jyoti Kemmu in a Kashmiri Pandit family in Srinagar, Jammu and Kashmir. He is an elder child to the couple and has a younger sister named Karishma Kemmu. He stayed in Mira Road area of Mumbai. He finished his schooling from N. L. Dalmia High School in Mira Road where as attended SVKM's Narsee Monjee College of Commerce and Economics at Vile Parle for his further studies. He now lives in Khar, Mumbai.