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Kotak Mahindra Bank Home Loan Interest Rate November 2026

Kotak Mahindra Bank advertises home loan rates starting from 7.6% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹40,586 a month.

Starting rate7.6%per annum

EMI per month₹40,586₹50 lakh, 20 years

Total interest₹47,40,627over the full term

Max tenure25 yrsas stated by the bank

Source: Kotak Mahindra Bank official page, checked on November 2026 (2026-11-01).

Starting interest rate	7.6% per annum
Processing fee	Not stated on the page we checked
Prepayment	The bank advertises freedom from prepayment charges
Maximum tenure	25 years

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

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EMI for popular amounts

₹20 lakh for 15 years ₹20 lakh for 20 years ₹20 lakh for 25 years ₹30 lakh for 15 years ₹30 lakh for 20 years ₹30 lakh for 25 years ₹50 lakh for 15 years ₹50 lakh for 20 years ₹50 lakh for 25 years ₹75 lakh for 15 years ₹75 lakh for 20 years ₹75 lakh for 25 years ₹1 crore for 15 years ₹1 crore for 20 years ₹1 crore for 25 years

Compare Kotak Mahindra Bank with other banks

Kotak vs Bank of Maharashtra Kotak vs Indian Bank Kotak vs Canara Bank Kotak vs PNB Kotak vs Central Bank Kotak vs SBI Kotak vs Federal Bank Kotak vs IDFC FIRST Kotak vs Axis Bank Kotak vs ICICI Bank Kotak vs HDFC Bank

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Frequently asked questions

What is the Kotak Mahindra Bank home loan interest rate?

Kotak Mahindra Bank's website advertises home loan rates starting from 7.6% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹50 lakh home loan from Kotak Mahindra Bank?

At the starting rate of 7.6% over 20 years the EMI is about ₹40,586 a month, with total interest of about ₹47,40,627. A higher personal rate would raise this.

What is the processing fee for a Kotak Mahindra Bank home loan?

The Kotak Mahindra Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does Kotak Mahindra Bank charge prepayment charges on a home loan?

The bank advertises freedom from prepayment charges. Terms can differ between floating and fixed rates, so confirm with the bank.