Kotak Mahindra Bank Loan Against Property
Premium-focused private bank with sharp pricing for high-credit-quality salaried borrowers and a strong digital account ecosystem.
★ Competitive LTV on commercial property too.
Kotak Loan Against Property at a glance
- Interest rate
- 9.60% – 11.25% p.a.
- Processing fee
- Up to 1%
- Maximum amount
- ₹7.5 Cr
- Tenure
- Up to 15 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 loan against property offer
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Kotak vs other lenders on loan against property
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 9.50% – 11% p.a. | Up to 1% | ₹10 Cr | Apply → |
| State Bank of India | 10.00% – 11.30% p.a. | 1% (capped) | ₹7.5 Cr | Apply → |
| ICICI Bank | 9.75% – 11.50% p.a. | Up to 1% | ₹10 Cr | Apply → |
| Axis Bank | 9.90% – 11.75% p.a. | Up to 1% | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 9.60% – 11.25% p.a. | Up to 1% | ₹7.5 Cr | Apply → |
| Punjab National Bank | 10.10% – 12% p.a. | 0.75% – 1% | ₹5 Cr | Apply → |
| Bank of Baroda | 9.85% – 11.60% p.a. | Up to 1% | ₹5 Cr | Apply → |
| IDFC FIRST Bank | 9.95% – 12% p.a. | Up to 1.5% | ₹7 Cr | Apply → |
| Tata Capital | 10.10% – 13% p.a. | Up to 1.25% | ₹5 Cr | Apply → |
| Bajaj Finserv | 9.85% – 14% p.a. | Up to 1.18% | ₹15 Cr (via BHFL) | Apply → |
Eligibility
- Age
- 21 – 70 years
- Property
- Residential / commercial / industrial, clear title
- Income
- Sufficient to service EMI (salaried or business)
- Credit score
- 650+ recommended
Documents required
- PAN and Aadhaar
- Income proof (ITR / salary slips)
- Complete property document chain
- Last 6 months' bank statements
Kotak Mahindra Bank Loan Against Property FAQs
What is the Kotak Mahindra Bank loan against property interest rate?
Kotak Mahindra Bank loan against property rates currently run 9.60% – 11.25% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 1%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much loan against property can I get from Kotak Mahindra Bank?
Up to ₹7.5 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 15 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.