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Home › Loan Against Property › Kotak Mahindra Bank

Kotak Mahindra Bank Loan Against Property Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

Kotak Mahindra Bank advertises loan against property rates starting from 9.15% per annum. For ₹50 lakh over 15 years that is an EMI of about ₹51,160 a month.

Starting rate9.15%per annum
EMI per month₹51,160₹50 lakh, 15 years
Total interest₹42,08,882over the full term
Max tenuren/aas stated by the bank

Kotak loan against property rates and charges

Starting interest rate9.15% per annum
Applies toRange 9.15% to 16%
Processing feeNot stated on the page we checked
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

Source: Kotak Mahindra Bank official page, checked 2 November 2026.

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.

Kotak loan against property EMI calculator

Prepayment options (optional): pay extra to finish sooner

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₹25 lakh for 10 years₹25 lakh for 15 years₹25 lakh for 20 years₹50 lakh for 10 years₹50 lakh for 15 years₹50 lakh for 20 years₹1 crore for 10 years₹1 crore for 15 years₹1 crore for 20 years

Compare Kotak Mahindra Bank with other banks

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Frequently asked questions

What is the Kotak Mahindra Bank loan against property interest rate?

Kotak Mahindra Bank's website advertises loan against property rates starting from 9.15% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

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

At the starting rate of 9.15% over 15 years the EMI is about ₹51,160 a month, with total interest of about ₹42,08,882. A higher personal rate would raise this.

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

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 loan against property?

The page we checked did not state prepayment terms. Please confirm with the bank.

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