Kotak Mahindra Bank Home Loan
Premium-focused private bank with sharp pricing for high-credit-quality salaried borrowers and a strong digital account ecosystem.
★ Digital sanction with minimal branch visits.
Kotak Home Loan at a glance
- Interest rate
- 8.70% – 9.60% p.a.
- Processing fee
- 0.5% + taxes
- Maximum amount
- ₹10 Cr
- Tenure
- Up to 25 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your Kotak home loan offer
It takes 2 minutes. This will not affect your credit score.
Kotak vs other lenders on home loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 8.60% – 9.50% p.a. | 0.50% or ₹3,300 min | ₹10 Cr+ | Apply → |
| State Bank of India | 8.50% – 9.45% p.a. | 0.35% (often waived in campaigns) | No formal cap (eligibility-based) | Apply → |
| ICICI Bank | 8.65% – 9.85% p.a. | 0.50% – 2% | ₹10 Cr | Apply → |
| Axis Bank | 8.70% – 9.90% p.a. | Up to 1% (min ₹10,000) | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 8.70% – 9.60% p.a. | 0.5% + taxes | ₹10 Cr | Apply → |
| Punjab National Bank | 8.55% – 9.60% p.a. | 0.35% (frequently waived) | Eligibility-based | Apply → |
| Bank of Baroda | 8.55% – 9.80% p.a. | 0.25% – 0.50% | ₹20 Cr (location-based) | Apply → |
| IDFC FIRST Bank | 8.85% – 10% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Tata Capital | 8.95% – 11% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Bajaj Finserv | 8.50% – 12% p.a. (via BHFL) | Up to 1% | ₹15 Cr | Apply → |
Eligibility
- Age
- 21 – 65 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹25,000 / month (varies by lender)
- Credit score
- 700+ recommended
- Work experience
- 2+ years (salaried) / 3+ years business vintage
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips or 2 years' ITR
- Last 6 months' bank statements
- Property documents (agreement, chain of title)
- Passport-size photographs
Kotak Mahindra Bank Home Loan FAQs
What is the Kotak Mahindra Bank home loan interest rate?
Kotak Mahindra Bank home loan rates currently run 8.70% – 9.60% p.a. depending on your credit score, income profile and loan amount. The processing fee is 0.5% + taxes. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much home loan can I get from Kotak Mahindra Bank?
Up to ₹10 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 25 years. Use our eligibility calculator for a quick estimate.
Should I apply to Kotak Mahindra Bank directly or through QCred?
The rate and product are the same — but through QCred you see how Kotak's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.