| Floating Rates | 7.70% p.a. onwards |
| Fixed Rates | 12% p.a. onwards |
Kotak Mahindra Bank Home Loan Interest Rate
Competitive Interest Rates
Starting 7.70% p.a.
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15.5L Reviews
Lowest interest rates starting from 7.1%
15.5L Reviews
Competitive Interest Rates
Starting 7.70% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Home Loan EMI Calculator
Your Monthly EMI Payment
Find Best Home Loan Offers
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
How Can I Apply for a Home Loan Online?
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
Home Loan Interest Rates Offered by Kotak Mahindra Bank
Types of Home Loan Interest Rates Offered by Kotak Bank
Kotak Bank Home Loan Interest Rates vs Other Banks
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.00% p.a. |
| Bajaj Housing Finance | 7.15% p.a. |
| Bank of India | 7.10% p.a. |
| Canara Bank | 7.15% p.a. |
| Easy Home Finance | 8.99% p.a. |
| Federal Bank | 8.75% p.a. |
| Godrej Housing Finance | 7.60% p.a. |
| HDFC Bank | 7.20%* p.a. |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. |
| Home First Finance | 8.00% p.a. |
| ICICI Bank | 7.45% p.a. |
| IDBI Bank | 7.35% p.a. |
| IDFC FIRST Bank | 8.85% p.a. |
| India Shelter Home Loan | 8.43% p.a. |
| Jio Housing Finance | 8.20% p.a. |
| L&T Finance Limited | 7.65%* p.a. |
| Piramal Capital Housing Finance | 9.99% p.a. |
| PNB Housing Finance | 7.50% p.a. |
| Punjab & Sind Bank | 7.30% p.a. |
| Punjab National Bank | 7.20% p.a. |
| RBL Bank | 8.20% p.a. |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. |
| Shubham Housing Finance | 10.45% p.a. |
| State Bank of India | 7.25% p.a. |
| Tata Capital Housing Finance | 7.50% p.a. |
*when applied through Paisabazaar
Rates as of 4th February 2026
Kotak Bank Home Loan EMI Examples
Kotak Home Loan EMI for different tenure
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 7.70% | 10 lakh | 5 | 20,133 |
| 7.70% | 10 lakh | 10 | 11,975 |
| 7.70% | 10 lakh | 15 | 9,384 |
| 7.70% | 10 lakh | 20 | 8,179 |
| 7.70% | 10 lakh | 25 | 7,520 |
Kotak Home Loan EMI for different loan amounts
| Interest Rate (p.a.) | Loan Amount (Rs.) | Loan Tenure (years) | EMI (Rs.) |
|---|---|---|---|
| 7.70% | 2 lakh | 30 | 1,426 |
| 7.70% | 5 lakh | 30 | 3,565 |
| 7.70% | 10 lakh | 30 | 7,130 |
| 7.70% | 15 lakh | 30 | 10,694 |
| 7.70% | 20 lakh | 30 | 14,259 |
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How to Avail Lower Interest Rates from Kotak Mahindra Bank
How Can I Apply for a Home Loan Online?
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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