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Kotak Mahindra Bank ₹50 lakh Loan Against Property EMI for 15 Years
At the advertised starting rate of 9.15%, the EMI is about ₹51,160 a month, with total interest of about ₹42,08,882.
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) | ₹51,160 | ₹42,08,882 | ₹92,08,882 |
| 9.65% | ₹52,665 | ₹44,79,654 | ₹94,79,654 |
| 10.15% | ₹54,190 | ₹47,54,202 | ₹97,54,202 |
| 10.65% | ₹55,736 | ₹50,32,447 | ₹1,00,32,447 |
| 11.15% | ₹57,302 | ₹53,14,304 | ₹1,03,14,304 |
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 | ₹1,63,155 | ₹4,50,770 | ₹6,13,925 | ₹48,36,845 |
| Year 2 | ₹1,78,726 | ₹4,35,199 | ₹6,13,925 | ₹46,58,119 |
| Year 3 | ₹1,95,783 | ₹4,18,142 | ₹6,13,925 | ₹44,62,335 |
| Year 4 | ₹2,14,468 | ₹3,99,457 | ₹6,13,925 | ₹42,47,867 |
| Year 5 | ₹2,34,936 | ₹3,78,989 | ₹6,13,925 | ₹40,12,931 |
| Year 6 | ₹2,57,358 | ₹3,56,568 | ₹6,13,925 | ₹37,55,574 |
| Year 7 | ₹2,81,919 | ₹3,32,007 | ₹6,13,925 | ₹34,73,655 |
| Year 8 | ₹3,08,824 | ₹3,05,101 | ₹6,13,925 | ₹31,64,830 |
| Year 9 | ₹3,38,297 | ₹2,75,628 | ₹6,13,925 | ₹28,26,533 |
| Year 10 | ₹3,70,583 | ₹2,43,342 | ₹6,13,925 | ₹24,55,950 |
| Year 11 | ₹4,05,950 | ₹2,07,975 | ₹6,13,925 | ₹20,49,999 |
| Year 12 | ₹4,44,693 | ₹1,69,233 | ₹6,13,925 | ₹16,05,306 |
| Year 13 | ₹4,87,133 | ₹1,26,793 | ₹6,13,925 | ₹11,18,173 |
| Year 14 | ₹5,33,623 | ₹80,302 | ₹6,13,925 | ₹5,84,550 |
| Year 15 | ₹5,84,550 | ₹29,375 | ₹6,13,925 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Kotak Mahindra Bank loan against property for 15 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹51,160 a month. If your offered rate is 10.15% it would be about ₹54,190.
How much total interest will I pay?
At 9.15% the total interest over 15 years is about ₹42,08,882, so you repay about ₹92,08,882 in all.