Kotak Home Loan EMI Calculator
Preset to Kotak's current home loan emi rate of 8.7%. Change any value to see your own numbers.
- Current rate 8.70%
- Range 8.70–9.10%
- Rank #5 of 7 banks
- Verified 16 July 2026
Kotak Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹55,66,274
- Total payment₹1,05,66,274
Where your money goes
- Principal ₹50,00,000
- Interest ₹55,66,274
Kotak home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Salaried, CIBIL ≥ 800 | 8.70% |
| Salaried, CIBIL 750–799 | 8.85% |
| Loan ₹75 lakh–₹1.5 crore | 8.95% |
| Self-employed | 9.10% |
This Home Loan calculator is preset to Kotak Mahindra Bank's current 8.7% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real Kotak loan — change the amount or tenure to match yours.
Kotak's home loan rates run from 8.70% to 9.10% depending on your profile and loan size. Below is Kotak's full rate table, the fees and rules that actually apply, and how Kotak compares with the 7 banks we track — the one thing no bank's own page will show you.
Kotak home loan — key facts
- Home loan repayment tenure is available up to 30 years, with eligibility assessed on income, age and CIBIL score.
- Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges, per RBI rules.
- A balance-transfer facility lets you shift an existing home loan from another lender to Kotak at applicable rates.
- Loan amounts typically start around ₹5,00,000, with higher-value cases requiring additional income documentation.
How Kotak compares
Kotak's home loan rate is above the category median. PNB is cheaper at 8.35%.
Kotak home loan FAQs
What is Kotak's home loan interest rate in 2026?
Kotak Mahindra Bank offers home loan rates from 8.7% to 9.1% (indicative headline 8.7%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a Kotak home loan?
The processing fee is Up to 0.50% of the loan amount + GST. Home loan repayment tenure is available up to 30 years, with eligibility assessed on income, age and CIBIL score.
Can I prepay or foreclose my Kotak home loan early?
Floating-rate home loans to individual borrowers carry no prepayment or foreclosure charges, per RBI rules.
How is the EMI on a Kotak home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.7% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.