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Kotak Mahindra Bank ₹20 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.6%, the EMI is about ₹14,910 a month, with total interest of about ₹24,73,048.
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) | ₹14,910 | ₹24,73,048 | ₹44,73,048 |
| 8.1% | ₹15,569 | ₹26,70,714 | ₹46,70,714 |
| 8.6% | ₹16,240 | ₹28,71,863 | ₹48,71,863 |
| 9.1% | ₹16,921 | ₹30,76,329 | ₹50,76,329 |
| 9.6% | ₹17,613 | ₹32,83,948 | ₹52,83,948 |
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 | ₹27,880 | ₹1,51,042 | ₹1,78,922 | ₹19,72,120 |
| Year 2 | ₹30,074 | ₹1,48,848 | ₹1,78,922 | ₹19,42,046 |
| Year 3 | ₹32,441 | ₹1,46,481 | ₹1,78,922 | ₹19,09,605 |
| Year 4 | ₹34,994 | ₹1,43,928 | ₹1,78,922 | ₹18,74,611 |
| Year 5 | ₹37,748 | ₹1,41,174 | ₹1,78,922 | ₹18,36,863 |
| Year 6 | ₹40,719 | ₹1,38,203 | ₹1,78,922 | ₹17,96,143 |
| Year 7 | ₹43,924 | ₹1,34,998 | ₹1,78,922 | ₹17,52,219 |
| Year 8 | ₹47,381 | ₹1,31,541 | ₹1,78,922 | ₹17,04,838 |
| Year 9 | ₹51,110 | ₹1,27,812 | ₹1,78,922 | ₹16,53,728 |
| Year 10 | ₹55,133 | ₹1,23,789 | ₹1,78,922 | ₹15,98,595 |
| Year 11 | ₹59,472 | ₹1,19,450 | ₹1,78,922 | ₹15,39,123 |
| Year 12 | ₹64,153 | ₹1,14,769 | ₹1,78,922 | ₹14,74,970 |
| Year 13 | ₹69,202 | ₹1,09,720 | ₹1,78,922 | ₹14,05,769 |
| Year 14 | ₹74,648 | ₹1,04,274 | ₹1,78,922 | ₹13,31,120 |
| Year 15 | ₹80,523 | ₹98,399 | ₹1,78,922 | ₹12,50,597 |
| Year 16 | ₹86,861 | ₹92,061 | ₹1,78,922 | ₹11,63,736 |
| Year 17 | ₹93,697 | ₹85,225 | ₹1,78,922 | ₹10,70,039 |
| Year 18 | ₹1,01,071 | ₹77,850 | ₹1,78,922 | ₹9,68,968 |
| Year 19 | ₹1,09,026 | ₹69,896 | ₹1,78,922 | ₹8,59,941 |
| Year 20 | ₹1,17,607 | ₹61,315 | ₹1,78,922 | ₹7,42,334 |
| Year 21 | ₹1,26,863 | ₹52,059 | ₹1,78,922 | ₹6,15,471 |
| Year 22 | ₹1,36,848 | ₹42,074 | ₹1,78,922 | ₹4,78,624 |
| Year 23 | ₹1,47,618 | ₹31,304 | ₹1,78,922 | ₹3,31,005 |
| Year 24 | ₹1,59,236 | ₹19,686 | ₹1,78,922 | ₹1,71,769 |
| Year 25 | ₹1,71,769 | ₹7,153 | ₹1,78,922 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh Kotak Mahindra Bank home loan for 25 years?
At Kotak Mahindra Bank's starting rate of 7.6% the EMI is about ₹14,910 a month. If your offered rate is 8.6% it would be about ₹16,240.
How much total interest will I pay?
At 7.6% the total interest over 25 years is about ₹24,73,048, so you repay about ₹44,73,048 in all.