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Kotak Mahindra Bank ₹25 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.15%, the EMI is about ₹22,735 a month, with total interest of about ₹29,56,373.
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) | ₹22,735 | ₹29,56,373 | ₹54,56,373 |
| 9.65% | ₹23,549 | ₹31,51,689 | ₹56,51,689 |
| 10.15% | ₹24,375 | ₹33,49,885 | ₹58,49,885 |
| 10.65% | ₹25,212 | ₹35,50,856 | ₹60,50,856 |
| 11.15% | ₹26,060 | ₹37,54,497 | ₹62,54,497 |
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 | ₹45,965 | ₹2,26,854 | ₹2,72,819 | ₹24,54,035 |
| Year 2 | ₹50,351 | ₹2,22,467 | ₹2,72,819 | ₹24,03,684 |
| Year 3 | ₹55,157 | ₹2,17,662 | ₹2,72,819 | ₹23,48,528 |
| Year 4 | ₹60,421 | ₹2,12,398 | ₹2,72,819 | ₹22,88,107 |
| Year 5 | ₹66,187 | ₹2,06,632 | ₹2,72,819 | ₹22,21,920 |
| Year 6 | ₹72,504 | ₹2,00,315 | ₹2,72,819 | ₹21,49,416 |
| Year 7 | ₹79,423 | ₹1,93,396 | ₹2,72,819 | ₹20,69,993 |
| Year 8 | ₹87,003 | ₹1,85,816 | ₹2,72,819 | ₹19,82,990 |
| Year 9 | ₹95,306 | ₹1,77,512 | ₹2,72,819 | ₹18,87,684 |
| Year 10 | ₹1,04,402 | ₹1,68,417 | ₹2,72,819 | ₹17,83,282 |
| Year 11 | ₹1,14,366 | ₹1,58,453 | ₹2,72,819 | ₹16,68,917 |
| Year 12 | ₹1,25,280 | ₹1,47,538 | ₹2,72,819 | ₹15,43,637 |
| Year 13 | ₹1,37,237 | ₹1,35,582 | ₹2,72,819 | ₹14,06,400 |
| Year 14 | ₹1,50,334 | ₹1,22,485 | ₹2,72,819 | ₹12,56,066 |
| Year 15 | ₹1,64,681 | ₹1,08,137 | ₹2,72,819 | ₹10,91,385 |
| Year 16 | ₹1,80,398 | ₹92,421 | ₹2,72,819 | ₹9,10,987 |
| Year 17 | ₹1,97,614 | ₹75,204 | ₹2,72,819 | ₹7,13,372 |
| Year 18 | ₹2,16,474 | ₹56,345 | ₹2,72,819 | ₹4,96,898 |
| Year 19 | ₹2,37,134 | ₹35,685 | ₹2,72,819 | ₹2,59,765 |
| Year 20 | ₹2,59,765 | ₹13,054 | ₹2,72,819 | ₹0 |
Frequently asked questions
What is the EMI for a ₹25 lakh Kotak Mahindra Bank loan against property for 20 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹22,735 a month. If your offered rate is 10.15% it would be about ₹24,375.
How much total interest will I pay?
At 9.15% the total interest over 20 years is about ₹29,56,373, so you repay about ₹54,56,373 in all.