Kotak Mahindra Bank Home Loan EMI Calculator
Calculate EMI for Kotak Mahindra Bank home loan at the current 8.75% rate.
Loan Details
Results
Your Monthly EMI
₹44,186
Principal
₹50,00,000
Total Interest
₹56,04,529
Total Payment
₹1,06,04,529
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Balance |
|---|---|---|---|
| 1 | ₹96,537 | ₹4,33,689 | ₹49,03,463 |
| 2 | ₹1,05,331 | ₹4,24,895 | ₹47,98,132 |
| 3 | ₹1,14,926 | ₹4,15,300 | ₹46,83,205 |
| 4 | ₹1,25,396 | ₹4,04,831 | ₹45,57,810 |
| 5 | ₹1,36,819 | ₹3,93,408 | ₹44,20,991 |
| 6 | ₹1,49,282 | ₹3,80,944 | ₹42,71,709 |
| 7 | ₹1,62,881 | ₹3,67,345 | ₹41,08,827 |
| 8 | ₹1,77,719 | ₹3,52,507 | ₹39,31,108 |
| 9 | ₹1,93,909 | ₹3,36,318 | ₹37,37,200 |
| 10 | ₹2,11,573 | ₹3,18,654 | ₹35,25,627 |
| 11 | ₹2,30,846 | ₹2,99,380 | ₹32,94,781 |
| 12 | ₹2,51,875 | ₹2,78,351 | ₹30,42,905 |
| 13 | ₹2,74,820 | ₹2,55,406 | ₹27,68,085 |
| 14 | ₹2,99,855 | ₹2,30,371 | ₹24,68,230 |
| 15 | ₹3,27,171 | ₹2,03,056 | ₹21,41,059 |
| 16 | ₹3,56,975 | ₹1,73,252 | ₹17,84,085 |
| 17 | ₹3,89,493 | ₹1,40,733 | ₹13,94,591 |
| 18 | ₹4,24,975 | ₹1,05,252 | ₹9,69,616 |
| 19 | ₹4,63,688 | ₹66,538 | ₹5,05,928 |
| 20 | ₹5,05,928 | ₹24,298 | ₹0 |
Kotak Mahindra Bank home loan highlights
- Interest rate starts at 8.75% p.a.
- Loan tenure up to 30 years
- Up to 90% financing on property value
- Processing fee: 0.25% to 1% of loan amount
Rates listed here are indicative based on publicly available information and update periodically. Final rate will be confirmed by the bank after credit assessment.
Frequently Asked Questions
Everything you need to know, in one place.
What is the Kotak Mahindra Bank home loan interest rate in 2026?
Kotak Mahindra Bank currently offers home loans at around 8.75% per annum. Final rate depends on credit score, loan amount, and profession.
What is the maximum Kotak home loan tenure?
Kotak Mahindra Bank offers home loan tenures up to 30 years, subject to retirement age of the applicant.
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