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Kotak Mahindra Bank ₹1 crore Home Loan EMI for 25 Years
At the advertised starting rate of 7.6%, the EMI is about ₹74,551 a month, with total interest of about ₹1,23,65,240.
Source: Kotak Mahindra Bank official page, checked on November 2026 (2026-11-01).
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.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 7.6% (starting) | ₹74,551 | ₹1,23,65,240 | ₹2,23,65,240 |
| 8.1% | ₹77,845 | ₹1,33,53,572 | ₹2,33,53,572 |
| 8.6% | ₹81,198 | ₹1,43,59,314 | ₹2,43,59,314 |
| 9.1% | ₹84,605 | ₹1,53,81,644 | ₹2,53,81,644 |
| 9.6% | ₹88,066 | ₹1,64,19,741 | ₹2,64,19,741 |
Year-by-year repayment schedule at 7.6%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹1,39,399 | ₹7,55,211 | ₹8,94,610 | ₹98,60,601 |
| Year 2 | ₹1,50,370 | ₹7,44,239 | ₹8,94,610 | ₹97,10,231 |
| Year 3 | ₹1,62,205 | ₹7,32,405 | ₹8,94,610 | ₹95,48,026 |
| Year 4 | ₹1,74,971 | ₹7,19,639 | ₹8,94,610 | ₹93,73,055 |
| Year 5 | ₹1,88,742 | ₹7,05,868 | ₹8,94,610 | ₹91,84,313 |
| Year 6 | ₹2,03,597 | ₹6,91,013 | ₹8,94,610 | ₹89,80,716 |
| Year 7 | ₹2,19,621 | ₹6,74,989 | ₹8,94,610 | ₹87,61,095 |
| Year 8 | ₹2,36,906 | ₹6,57,704 | ₹8,94,610 | ₹85,24,190 |
| Year 9 | ₹2,55,551 | ₹6,39,058 | ₹8,94,610 | ₹82,68,639 |
| Year 10 | ₹2,75,664 | ₹6,18,946 | ₹8,94,610 | ₹79,92,974 |
| Year 11 | ₹2,97,360 | ₹5,97,250 | ₹8,94,610 | ₹76,95,615 |
| Year 12 | ₹3,20,763 | ₹5,73,846 | ₹8,94,610 | ₹73,74,851 |
| Year 13 | ₹3,46,009 | ₹5,48,601 | ₹8,94,610 | ₹70,28,843 |
| Year 14 | ₹3,73,241 | ₹5,21,369 | ₹8,94,610 | ₹66,55,602 |
| Year 15 | ₹4,02,617 | ₹4,91,993 | ₹8,94,610 | ₹62,52,985 |
| Year 16 | ₹4,34,304 | ₹4,60,306 | ₹8,94,610 | ₹58,18,681 |
| Year 17 | ₹4,68,486 | ₹4,26,124 | ₹8,94,610 | ₹53,50,195 |
| Year 18 | ₹5,05,357 | ₹3,89,252 | ₹8,94,610 | ₹48,44,838 |
| Year 19 | ₹5,45,131 | ₹3,49,479 | ₹8,94,610 | ₹42,99,707 |
| Year 20 | ₹5,88,035 | ₹3,06,575 | ₹8,94,610 | ₹37,11,672 |
| Year 21 | ₹6,34,316 | ₹2,60,294 | ₹8,94,610 | ₹30,77,357 |
| Year 22 | ₹6,84,239 | ₹2,10,371 | ₹8,94,610 | ₹23,93,118 |
| Year 23 | ₹7,38,091 | ₹1,56,518 | ₹8,94,610 | ₹16,55,027 |
| Year 24 | ₹7,96,182 | ₹98,428 | ₹8,94,610 | ₹8,58,845 |
| Year 25 | ₹8,58,845 | ₹35,765 | ₹8,94,610 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Kotak Mahindra Bank home loan for 25 years?
At Kotak Mahindra Bank's starting rate of 7.6% the EMI is about ₹74,551 a month. If your offered rate is 8.6% it would be about ₹81,198.
How much total interest will I pay?
At 7.6% the total interest over 25 years is about ₹1,23,65,240, so you repay about ₹2,23,65,240 in all.