Kotak Mahindra Bank Home Loan— Interest Rates, Eligibility & How to Apply
Kotak Mahindra Bank offers home loans with attractive floating rates, quick processing and balance-transfer benefits.
Soft check — comparing won't affect your credit score.
Kotak Mahindra Bank Home Loan at a glance
Interest rate
from 8.7% p.a.
Max amount
₹5 Crore+
Max tenure
25 years
Processing fee
up to 0.5%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose Kotak Mahindra Bank?
- Attractive floating rates
- Quick processing
- Balance transfer with top-up
- Flexible tenure
Kotak Mahindra Bank Home Loan eligibility
- Salaried & self-employed
- Age 18–65
- Good credit history
- Approved property
How to apply via RupeeQuik
1. Compare
See your eligible home loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
Kotak Mahindra Bank Home Loan — FAQs
What is the Kotak home loan interest rate?+
Kotak Mahindra Bank home loan rates start from around 8.7% p.a. (floating), depending on your profile.
Can I get a top-up on my Kotak home loan?+
Yes, existing home-loan customers can avail a top-up loan for personal or home-related needs, subject to eligibility.
What is the maximum tenure for a Kotak home loan?+
Home loan tenure can extend up to 25 years, subject to your age and profile.
