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Kotak Mahindra Bank ₹50 lakh Loan Against Property EMI for 10 Years
At the advertised starting rate of 9.15%, the EMI is about ₹63,744 a month, with total interest of about ₹26,49,340.
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) | ₹63,744 | ₹26,49,340 | ₹76,49,340 |
| 9.65% | ₹65,110 | ₹28,13,214 | ₹78,13,214 |
| 10.15% | ₹66,491 | ₹29,78,966 | ₹79,78,966 |
| 10.65% | ₹67,888 | ₹31,46,577 | ₹81,46,577 |
| 11.15% | ₹69,300 | ₹33,16,028 | ₹83,16,028 |
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 | ₹3,20,660 | ₹4,44,274 | ₹7,64,934 | ₹46,79,340 |
| Year 2 | ₹3,51,263 | ₹4,13,671 | ₹7,64,934 | ₹43,28,077 |
| Year 3 | ₹3,84,786 | ₹3,80,148 | ₹7,64,934 | ₹39,43,290 |
| Year 4 | ₹4,21,509 | ₹3,43,425 | ₹7,64,934 | ₹35,21,781 |
| Year 5 | ₹4,61,736 | ₹3,03,198 | ₹7,64,934 | ₹30,60,045 |
| Year 6 | ₹5,05,803 | ₹2,59,131 | ₹7,64,934 | ₹25,54,242 |
| Year 7 | ₹5,54,075 | ₹2,10,859 | ₹7,64,934 | ₹20,00,167 |
| Year 8 | ₹6,06,954 | ₹1,57,980 | ₹7,64,934 | ₹13,93,213 |
| Year 9 | ₹6,64,880 | ₹1,00,054 | ₹7,64,934 | ₹7,28,333 |
| Year 10 | ₹7,28,333 | ₹36,601 | ₹7,64,934 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Kotak Mahindra Bank loan against property for 10 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹63,744 a month. If your offered rate is 10.15% it would be about ₹66,491.
How much total interest will I pay?
At 9.15% the total interest over 10 years is about ₹26,49,340, so you repay about ₹76,49,340 in all.