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Kotak Mahindra Bank ₹1 crore Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.15%, the EMI is about ₹1,02,321 a month, with total interest of about ₹84,17,765.
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.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 9.15% (starting) | ₹1,02,321 | ₹84,17,765 | ₹1,84,17,765 |
| 9.65% | ₹1,05,329 | ₹89,59,308 | ₹1,89,59,308 |
| 10.15% | ₹1,08,380 | ₹95,08,405 | ₹1,95,08,405 |
| 10.65% | ₹1,11,472 | ₹1,00,64,894 | ₹2,00,64,894 |
| 11.15% | ₹1,14,603 | ₹1,06,28,608 | ₹2,06,28,608 |
Year-by-year repayment schedule at 9.15%
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 | ₹3,26,310 | ₹9,01,541 | ₹12,27,851 | ₹96,73,690 |
| Year 2 | ₹3,57,452 | ₹8,70,399 | ₹12,27,851 | ₹93,16,237 |
| Year 3 | ₹3,91,566 | ₹8,36,285 | ₹12,27,851 | ₹89,24,671 |
| Year 4 | ₹4,28,936 | ₹7,98,915 | ₹12,27,851 | ₹84,95,735 |
| Year 5 | ₹4,69,872 | ₹7,57,979 | ₹12,27,851 | ₹80,25,863 |
| Year 6 | ₹5,14,715 | ₹7,13,136 | ₹12,27,851 | ₹75,11,147 |
| Year 7 | ₹5,63,838 | ₹6,64,013 | ₹12,27,851 | ₹69,47,310 |
| Year 8 | ₹6,17,649 | ₹6,10,202 | ₹12,27,851 | ₹63,29,661 |
| Year 9 | ₹6,76,595 | ₹5,51,256 | ₹12,27,851 | ₹56,53,066 |
| Year 10 | ₹7,41,167 | ₹4,86,684 | ₹12,27,851 | ₹49,11,900 |
| Year 11 | ₹8,11,901 | ₹4,15,950 | ₹12,27,851 | ₹40,99,999 |
| Year 12 | ₹8,89,386 | ₹3,38,465 | ₹12,27,851 | ₹32,10,613 |
| Year 13 | ₹9,74,266 | ₹2,53,585 | ₹12,27,851 | ₹22,36,347 |
| Year 14 | ₹10,67,246 | ₹1,60,605 | ₹12,27,851 | ₹11,69,101 |
| Year 15 | ₹11,69,101 | ₹58,750 | ₹12,27,851 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore Kotak Mahindra Bank loan against property for 15 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹1,02,321 a month. If your offered rate is 10.15% it would be about ₹1,08,380.
How much total interest will I pay?
At 9.15% the total interest over 15 years is about ₹84,17,765, so you repay about ₹1,84,17,765 in all.