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Kotak Mahindra Bank ₹25 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.15%, the EMI is about ₹31,872 a month, with total interest of about ₹13,24,670.
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) | ₹31,872 | ₹13,24,670 | ₹38,24,670 |
| 9.65% | ₹32,555 | ₹14,06,607 | ₹39,06,607 |
| 10.15% | ₹33,246 | ₹14,89,483 | ₹39,89,483 |
| 10.65% | ₹33,944 | ₹15,73,289 | ₹40,73,289 |
| 11.15% | ₹34,650 | ₹16,58,014 | ₹41,58,014 |
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 | ₹1,60,330 | ₹2,22,137 | ₹3,82,467 | ₹23,39,670 |
| Year 2 | ₹1,75,632 | ₹2,06,835 | ₹3,82,467 | ₹21,64,038 |
| Year 3 | ₹1,92,393 | ₹1,90,074 | ₹3,82,467 | ₹19,71,645 |
| Year 4 | ₹2,10,755 | ₹1,71,712 | ₹3,82,467 | ₹17,60,891 |
| Year 5 | ₹2,30,868 | ₹1,51,599 | ₹3,82,467 | ₹15,30,022 |
| Year 6 | ₹2,52,901 | ₹1,29,566 | ₹3,82,467 | ₹12,77,121 |
| Year 7 | ₹2,77,037 | ₹1,05,429 | ₹3,82,467 | ₹10,00,083 |
| Year 8 | ₹3,03,477 | ₹78,990 | ₹3,82,467 | ₹6,96,606 |
| Year 9 | ₹3,32,440 | ₹50,027 | ₹3,82,467 | ₹3,64,167 |
| Year 10 | ₹3,64,167 | ₹18,300 | ₹3,82,467 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Kotak Mahindra Bank loan against property for 10 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹31,872 a month. If your offered rate is 10.15% it would be about ₹33,246.
How much total interest will I pay?
At 9.15% the total interest over 10 years is about ₹13,24,670, so you repay about ₹38,24,670 in all.