Kotak Mahindra Bank Home Loan
Kotak Mahindra Bank Home Loan
Kotak Mahindra bank home loan services are too good & fast. They have helped millions of individual dreams of owning home come true by providing exclusive benefits for their home buyers.

Kotak Mahindra Bank Home Loan


Want to buy a home but unable to fulfill your dream due to lack of finance, here what Kotak Mahindra home loan comes closer to you. Making it possible & easier to achieve your goal. Affordable EMI let’s stressless Life.

Home Loan Features & Benefits


  • Simple Documentation to disbursement process
  • Doorstep Service by Kotak
  • Lowest Interest Rates


  • Zero processing fee for online applications
  • Insurance option available to cover your home
  • Zero fee on foreclosure/prepayment

KOTAK MAHINDRA Bank Various types of Home Loans

Kotak Bank Home Loan-Kotak Mahindra aid you o

btain home loan at market lowest rates & flexible tenure period.

Kotak Home Loan Balance Transfer: - Why you should pay higher interest rates while you have the option to lower your existing home loan interest just by transferring existing home loan from other banks to Kotak Mahindra bank.

Kotak Bank Home Improvement Loan: - This facility allows you to get loan for renovating & repairing your current home loan condition to make it better.

Kotak Bank NRI Home Loan: - Are you

 left your own country for some reason & want to own a separate place where you can spend quality time with your family, worry not let your fantasy come true through the help of Kotak bank.

List of KOTAK MAHINDRA Bank Home Loan Scheme Salaried Interest Rates Self-Employed Interest Rates
Kotak Bank Home Loan Min – 6.85% - Max- 8.35p.a Min – 6.95% - Max- 8.45% p.a
Kotak Home Loan Balance Transfer Min – 6.65% - Max- 8.25% p.a Min – 6.85% - Max- 8.60p.a
Min – 6.85% - Max- 8.60p.a Min – 6.95% - Max- 8.40% p.a Min – 7.00% - Max- 9.10% p.a
Kotak Bank NRI Home Loan Min – 6.75% - Max- 8.30% p.a Min – 7.85% - Max- 8.45p.a


  KOTAK MAHINDRA bank home loan interest rate & Processing fees

Processing Fees Up to 0.25%
Interest Rate 6.65% - 7.30%
Maximum Tenure Up to 20 years


Type of Other Charges by KOTAK MAHINDRA Bank Home Loan

Loan processing charges: - For below 30 lakh borrowing you will be charged 0.25% & for above 30 lakh 0.50% will be charged as a processing fee (it's a non-refundable amount).

Interest Certificate Charge: - For each year you will be 

able to get interest certificate for free of cost but for each instance Rs.250 will be charged.

Disburse Charge: - On disbursement you will be charged 4000/-

Prepayment Charges: - NIL

Account swapping for repayment mode: - For each account swapping you will be charged 500/-

Late payment charges: - 2% will be imposed on each month late payment.

Cheque bounce charges: - For each cheque bounce you will be charged 500/-

CIBIL Checking Charges: - For each time CIBIL report checking you will be charged 50/-

Any Documents set of copy: - For each set of documents copies you will be charged 500/-

KOTAK MAHINDRA Bank Home Loan Eligibility

Age 18– 65 years
Employment Type Salaried and Self-employed professional and non-professional
Minimum Salary for Salaried Rs.20,000 per month

KOTAK MAHINDRA Bank Home Loan Eligibility Criteria for Salaried: -

  • Applicant must be resident of India
  • Applicant age should be in-between 18 to 60 years
  • Minimum 2 years of work experience

KOTAK MAHINDRA Bank Home Loan Eligibility Criteria for Professional: -

  • Applicant age should be in-between 18 – 65 years
  • Doctor, CA, Architect, Lawyers, Consultant, Engineer & CS can apply for Home Loan on Professional category.

KOTAK MAHINDRA Bank Home Loan Eligibility Criteria for Self-Employed: -

  • Any individual filling income tax returns are eligible
  • Maintain good financial records
  • Minimum 3 years of existing business

KOTAK MAHINDRA Home Loan Documents Required

Salaried & Self-employed are required to provide any one of the following for identity proof: -

  • Aadhaar Card
  • Driving License
  • Passport
  • Election/ Voter ID Card
  • PAN Card

Salaried & Self-employed are required to provide any one of the following for residence proof: -

  • Passport
  • Aadhaar Card
  • Driving License
  • Election/ Voter’s ID Card
  • Bank Account or Post Office Savings Bank Account statement

Salaried & Self-employed are required to provide any one of the following for Age proof: -

  • Aadhar Card
  • Valid Passport
  • Voter ID
  • Birth Certificate

Salaried & Self-employed are required to provide any one of the following for Income proof:-

  • Latest 6 months bank statement
  • Income tax returns or form 16

Salaried & Self-employed are required to provide below mentioned mandatory documents:-

  • Proper filled loan application with 2 colored passport size photographs

How to apply for KOTAK MAHINDRA Home Loan Online?

Step 1 - You can apply for KOTAK MAHINDRA Bank home loan through visiting their website KOTAK MAHINDRA or visit the nearest KOTAK MAHINDRA branch bank.

Step 2 - Before that check your eligibility criteria meet well or not from your end to avoid loan rejection. If yes you may download home loan application form by online or collect it from nearest branch bank.

Step 3- Fill the required details of your personal & occupational & attach KYC & mandatory documents. Note: - Check twice before submitting the loan application.

Step 4 – Once your loan application approved then, you will need to provide property documents upon which you are taking the loan for further legal review & evaluation of property.

Step 5 – After evaluation done on property, shortly your loan approval take place where your loan sanctioned then, loan amount will be credited to your respective account.

Kotak Mahindra Bank Home Loan FAQ

Is kotak mahindra bank good for home loan?

Kotak Mahindra bank home loan services are too good & fast. They have helped millions of individual dreams of owning home come true by providing exclusive benefits for their home buyers.

how to apply home loan in kotak mahindra bank?

You can visit your nearest kotak bank branch or applying digitally through visiting their official website & share your personal information so that their representative will able to contact you.

how much home loan can i get?

Hopefully, you can get up to 85% of property value as a maximum loan amount at the same time different factors are considered on determine your eligibility.

How to get kotak bank home loan online?

Getting kotak bank home loan online is too easy, you just need to visit their site & click on the apply now button, where you will be offered with 3 facilities home loan, balance transfer & top-up loans. If you are cleared with your choose click one of them if not then simply request for a call back shortly customer representative will you in touch.

How to use kotak mahindra bank home loan calculator?

Through the use of technology anyone can easily use kotak mahindra bank home loan calculator without doing mathematical calculations on mind, just you need to enter loan amount, interest rate & tenure to get monthly scheduled EMI chart.

Does Kotak Mahindra Bank cut home loan rates to 6.65%?

Yes, in recent times, Kotak mahindra bank home loan rate of interest cut by 6.65% for making it affordable for customers to easily get a home loan.

KOTAK MAHINDRA Home Loan Customer Care

You can directly visit KOTAK MAHINDRA Site & fill basic details to continue online chat

Kotak Mahindra Bank Home Loan 24×7 Customer Care Number

1860 266 2666 (Local charges applied)

+91 22 6600 6022 (Overseas charges applied)