Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

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.
google-play-icon

Google Play Store

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Competitive Interest Rates

Competitive Interest Rates

Starting 7.10% p.a.

Icon image of Handpicked Home Loan Offers

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Icon image of Dedicated Customer Support

Dedicated Customer Support

Expert Assistance at Every Step

Icon image of Transfer Balance & Get a Top-Up Easily

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Select Your Bank

₹
1L10Cr
6%30%
1Y 30Y

Your Monthly EMI Payment

₹0

Principal Amount₹0
Interest Amount₹0
Total Amount₹0

Find Best Home Loan Offers

Sort by:

HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
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
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Curated Offers from <strong>Multiple Lenders</strong>

Curated Offers from Multiple Lenders

image of Highest <strong>Loan Approval Chances</strong>

Highest Loan Approval Chances

image of Easy & Transparent <strong>Borrowing Process</strong>

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.

Apply Now

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 8.00% 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

Get a Home Loan For
Your Dream Home

Avail Home Loan Banner

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.

Apply Now

Explore Our Home Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankSBI BankSBI Bank
View All Partners

Get a Home Loan For
Your Dream Home

Avail Home Loan Banner

FAQs

What are the home loan interest rates offered by Kotak Mahindra Bank?

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

At what minimum credit score can I avail lower interest rates from Kotak Mahindra Bank?

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.

Should I opt for a floating or a fixed interest rate?

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.

How does interest rate change affect your home loan EMI?

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

quotes icon

What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

icon image of avatar
Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

icon image of avatar
Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

icon image of avatar
Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

icon image of avatar
Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

icon image of avatar
Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

icon image of avatar
Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

icon image of avatar
KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

icon image of avatar
Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

icon image of avatar
Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

icon image of avatar
Soumil KhannaSep 3, 2021
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Handpicked Home Loan Offers
At Affordable Rates

Scroll to top