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Kotak Mahindra Bank ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 7.6%, the EMI is about ₹55,913 a month, with total interest of about ₹92,73,930.
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) | ₹55,913 | ₹92,73,930 | ₹1,67,73,930 |
| 8.1% | ₹58,384 | ₹1,00,15,179 | ₹1,75,15,179 |
| 8.6% | ₹60,898 | ₹1,07,69,486 | ₹1,82,69,486 |
| 9.1% | ₹63,454 | ₹1,15,36,233 | ₹1,90,36,233 |
| 9.6% | ₹66,049 | ₹1,23,14,806 | ₹1,98,14,806 |
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 | ₹1,04,549 | ₹5,66,408 | ₹6,70,957 | ₹73,95,451 |
| Year 2 | ₹1,12,778 | ₹5,58,180 | ₹6,70,957 | ₹72,82,673 |
| Year 3 | ₹1,21,654 | ₹5,49,304 | ₹6,70,957 | ₹71,61,019 |
| Year 4 | ₹1,31,228 | ₹5,39,729 | ₹6,70,957 | ₹70,29,791 |
| Year 5 | ₹1,41,557 | ₹5,29,401 | ₹6,70,957 | ₹68,88,235 |
| Year 6 | ₹1,52,698 | ₹5,18,260 | ₹6,70,957 | ₹67,35,537 |
| Year 7 | ₹1,64,716 | ₹5,06,242 | ₹6,70,957 | ₹65,70,822 |
| Year 8 | ₹1,77,679 | ₹4,93,278 | ₹6,70,957 | ₹63,93,142 |
| Year 9 | ₹1,91,663 | ₹4,79,294 | ₹6,70,957 | ₹62,01,479 |
| Year 10 | ₹2,06,748 | ₹4,64,209 | ₹6,70,957 | ₹59,94,731 |
| Year 11 | ₹2,23,020 | ₹4,47,937 | ₹6,70,957 | ₹57,71,711 |
| Year 12 | ₹2,40,573 | ₹4,30,385 | ₹6,70,957 | ₹55,31,138 |
| Year 13 | ₹2,59,507 | ₹4,11,451 | ₹6,70,957 | ₹52,71,632 |
| Year 14 | ₹2,79,931 | ₹3,91,026 | ₹6,70,957 | ₹49,91,701 |
| Year 15 | ₹3,01,962 | ₹3,68,995 | ₹6,70,957 | ₹46,89,739 |
| Year 16 | ₹3,25,728 | ₹3,45,229 | ₹6,70,957 | ₹43,64,011 |
| Year 17 | ₹3,51,364 | ₹3,19,593 | ₹6,70,957 | ₹40,12,647 |
| Year 18 | ₹3,79,018 | ₹2,91,939 | ₹6,70,957 | ₹36,33,629 |
| Year 19 | ₹4,08,848 | ₹2,62,109 | ₹6,70,957 | ₹32,24,780 |
| Year 20 | ₹4,41,026 | ₹2,29,931 | ₹6,70,957 | ₹27,83,754 |
| Year 21 | ₹4,75,737 | ₹1,95,220 | ₹6,70,957 | ₹23,08,017 |
| Year 22 | ₹5,13,179 | ₹1,57,778 | ₹6,70,957 | ₹17,94,838 |
| Year 23 | ₹5,53,568 | ₹1,17,389 | ₹6,70,957 | ₹12,41,270 |
| Year 24 | ₹5,97,136 | ₹73,821 | ₹6,70,957 | ₹6,44,133 |
| Year 25 | ₹6,44,133 | ₹26,824 | ₹6,70,957 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh Kotak Mahindra Bank home loan for 25 years?
At Kotak Mahindra Bank's starting rate of 7.6% the EMI is about ₹55,913 a month. If your offered rate is 8.6% it would be about ₹60,898.
How much total interest will I pay?
At 7.6% the total interest over 25 years is about ₹92,73,930, so you repay about ₹1,67,73,930 in all.