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Kotak Mahindra Bank ₹50 lakh Loan Against Property EMI for 20 Years
At the advertised starting rate of 9.15%, the EMI is about ₹45,470 a month, with total interest of about ₹59,12,747.
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) | ₹45,470 | ₹59,12,747 | ₹1,09,12,747 |
| 9.65% | ₹47,097 | ₹63,03,378 | ₹1,13,03,378 |
| 10.15% | ₹48,749 | ₹66,99,770 | ₹1,16,99,770 |
| 10.65% | ₹50,424 | ₹71,01,712 | ₹1,21,01,712 |
| 11.15% | ₹52,121 | ₹75,08,993 | ₹1,25,08,993 |
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 | ₹91,929 | ₹4,53,708 | ₹5,45,637 | ₹49,08,071 |
| Year 2 | ₹1,00,703 | ₹4,44,935 | ₹5,45,637 | ₹48,07,368 |
| Year 3 | ₹1,10,313 | ₹4,35,324 | ₹5,45,637 | ₹46,97,055 |
| Year 4 | ₹1,20,841 | ₹4,24,796 | ₹5,45,637 | ₹45,76,214 |
| Year 5 | ₹1,32,374 | ₹4,13,263 | ₹5,45,637 | ₹44,43,840 |
| Year 6 | ₹1,45,007 | ₹4,00,630 | ₹5,45,637 | ₹42,98,833 |
| Year 7 | ₹1,58,846 | ₹3,86,791 | ₹5,45,637 | ₹41,39,987 |
| Year 8 | ₹1,74,006 | ₹3,71,632 | ₹5,45,637 | ₹39,65,981 |
| Year 9 | ₹1,90,612 | ₹3,55,025 | ₹5,45,637 | ₹37,75,369 |
| Year 10 | ₹2,08,804 | ₹3,36,834 | ₹5,45,637 | ₹35,66,565 |
| Year 11 | ₹2,28,731 | ₹3,16,906 | ₹5,45,637 | ₹33,37,834 |
| Year 12 | ₹2,50,561 | ₹2,95,077 | ₹5,45,637 | ₹30,87,273 |
| Year 13 | ₹2,74,473 | ₹2,71,164 | ₹5,45,637 | ₹28,12,800 |
| Year 14 | ₹3,00,668 | ₹2,44,969 | ₹5,45,637 | ₹25,12,132 |
| Year 15 | ₹3,29,363 | ₹2,16,275 | ₹5,45,637 | ₹21,82,770 |
| Year 16 | ₹3,60,796 | ₹1,84,842 | ₹5,45,637 | ₹18,21,974 |
| Year 17 | ₹3,95,229 | ₹1,50,408 | ₹5,45,637 | ₹14,26,745 |
| Year 18 | ₹4,32,948 | ₹1,12,689 | ₹5,45,637 | ₹9,93,797 |
| Year 19 | ₹4,74,267 | ₹71,370 | ₹5,45,637 | ₹5,19,530 |
| Year 20 | ₹5,19,530 | ₹26,108 | ₹5,45,637 | ₹0 |
Frequently asked questions
What is the EMI for a ₹50 lakh Kotak Mahindra Bank loan against property for 20 years?
At Kotak Mahindra Bank's starting rate of 9.15% the EMI is about ₹45,470 a month. If your offered rate is 10.15% it would be about ₹48,749.
How much total interest will I pay?
At 9.15% the total interest over 20 years is about ₹59,12,747, so you repay about ₹1,09,12,747 in all.