Kotak Mahindra Bank Home Loan Interest Rate

Kotak Mahindra Bank offers home loans at both fixed and floating interest rates depending on the credit profile of the applicants. Applicants having a strong credit profile can avail lower interest rates from Kotak Mahindra Bank. Prospective borrowers can also visit Paisabazaar to compare the interest rates and other offers of multiple lenders and opt for the one that best suits their requirements.

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Starting 7.10% p.a.

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15.5L Reviews

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Paisabazaar Exclusive Benefits

Competitive Interest Rates

Starting 7.10% 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

Amount

₹

₹50 L

₹80 L

₹100 L

₹500 L

₹1000 L

Amount

₹50 L

₹80 L

₹1 Cr

₹5 Cr

₹10 Cr

₹

50K15Cr

Rate of Interest(Per Annum)

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Tenure

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Your Monthly EMI Payment

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Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

Min Loan Amt. ₹15L

Rate of Interest7.2% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

Axis Bank

Min Loan Amt. ₹30L

Rate of Interest8.35% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

ICICI Bank

Min Loan Amt. ₹15L

Rate of Interest7.65% - 9.80%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

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Home Loan Interest Rates Offered by Kotak Mahindra Bank

Floating Rates	7.70% p.a. onwards
Fixed Rates	12% p.a. onwards

Types of Home Loan Interest Rates Offered by Kotak Bank

Floating Rates- Floating home loan rates are variable and fluctuate with market conditions. These are generally lower than fixed interest rates. Lenders reset their floating rates with the change in the repo rate set by the RBI.
Fixed Rates- Fixed rates remain constant throughout the home loan tenure. These are generally higher and unaffected by market conditions.

Kotak Bank Home Loan Interest Rates vs Other Banks

Name of Lender	Interest Rates
Axis Bank	8.35% 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	7.75% 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	7.65% 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	7.70%* 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	7.75% p.a.

*when applied through Paisabazaar

Rates as of 16th January 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

Swipe to see more table data

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How to Avail Lower Interest Rates from Kotak Mahindra Bank

Maintain a strong credit profile
Negotiate with the lender
Check for pre-approved offers
Make a higher down payment
Check for seasonal offers on rates and charges

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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FAQs

Kotak Mahindra Bank offers home loans starting from 7.70% p.onwards depending on the creditworthiness of the applicant.

Kotak Mahindra Bank has not disclosed its minimum credit score requirement to avail lower interest rates. However, lenders usually consider applicants having a minimum credit score of 750 and above for lower interest rates.

Floating rates are variable and change with the change in the repo rate. The rates are generally lower than fixed interest rates. Applicants can opt for either of the two as per their requirements and budget.

An increase in interest rate results in an increase in the EMI and total interest cost and vice-versa.

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