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Kotak Mahindra Bank ₹50 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.6%, the EMI is about ₹37,275 a month, with total interest of about ₹61,82,620.
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) | ₹37,275 | ₹61,82,620 | ₹1,11,82,620 |
| 8.1% | ₹38,923 | ₹66,76,786 | ₹1,16,76,786 |
| 8.6% | ₹40,599 | ₹71,79,657 | ₹1,21,79,657 |
| 9.1% | ₹42,303 | ₹76,90,822 | ₹1,26,90,822 |
| 9.6% | ₹44,033 | ₹82,09,871 | ₹1,32,09,871 |
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 | ₹69,699 | ₹3,77,605 | ₹4,47,305 | ₹49,30,301 |
| Year 2 | ₹75,185 | ₹3,72,120 | ₹4,47,305 | ₹48,55,115 |
| Year 3 | ₹81,102 | ₹3,66,202 | ₹4,47,305 | ₹47,74,013 |
| Year 4 | ₹87,486 | ₹3,59,819 | ₹4,47,305 | ₹46,86,527 |
| Year 5 | ₹94,371 | ₹3,52,934 | ₹4,47,305 | ₹45,92,156 |
| Year 6 | ₹1,01,798 | ₹3,45,506 | ₹4,47,305 | ₹44,90,358 |
| Year 7 | ₹1,09,810 | ₹3,37,494 | ₹4,47,305 | ₹43,80,548 |
| Year 8 | ₹1,18,453 | ₹3,28,852 | ₹4,47,305 | ₹42,62,095 |
| Year 9 | ₹1,27,776 | ₹3,19,529 | ₹4,47,305 | ₹41,34,319 |
| Year 10 | ₹1,37,832 | ₹3,09,473 | ₹4,47,305 | ₹39,96,487 |
| Year 11 | ₹1,48,680 | ₹2,98,625 | ₹4,47,305 | ₹38,47,807 |
| Year 12 | ₹1,60,382 | ₹2,86,923 | ₹4,47,305 | ₹36,87,426 |
| Year 13 | ₹1,73,004 | ₹2,74,300 | ₹4,47,305 | ₹35,14,421 |
| Year 14 | ₹1,86,620 | ₹2,60,684 | ₹4,47,305 | ₹33,27,801 |
| Year 15 | ₹2,01,308 | ₹2,45,997 | ₹4,47,305 | ₹31,26,493 |
| Year 16 | ₹2,17,152 | ₹2,30,153 | ₹4,47,305 | ₹29,09,340 |
| Year 17 | ₹2,34,243 | ₹2,13,062 | ₹4,47,305 | ₹26,75,098 |
| Year 18 | ₹2,52,679 | ₹1,94,626 | ₹4,47,305 | ₹24,22,419 |
| Year 19 | ₹2,72,565 | ₹1,74,739 | ₹4,47,305 | ₹21,49,854 |
| Year 20 | ₹2,94,017 | ₹1,53,287 | ₹4,47,305 | ₹18,55,836 |
| Year 21 | ₹3,17,158 | ₹1,30,147 | ₹4,47,305 | ₹15,38,678 |
| Year 22 | ₹3,42,119 | ₹1,05,185 | ₹4,47,305 | ₹11,96,559 |
| Year 23 | ₹3,69,046 | ₹78,259 | ₹4,47,305 | ₹8,27,513 |
| Year 24 | ₹3,98,091 | ₹49,214 | ₹4,47,305 | ₹4,29,422 |
| Year 25 | ₹4,29,422 | ₹17,882 | ₹4,47,305 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Kotak Mahindra Bank home loan for 25 years?
At Kotak Mahindra Bank's starting rate of 7.6% the EMI is about ₹37,275 a month. If your offered rate is 8.6% it would be about ₹40,599.
How much total interest will I pay?
At 7.6% the total interest over 25 years is about ₹61,82,620, so you repay about ₹1,11,82,620 in all.