Kotak Mahindra Bank Loan interest rates · November 2026
- Every rate from the bank's own page, with a link to it
- No referral fees, no ads, no “apply now”
- Checked 15 Nov 2026
What will my home loan cost at Kotak?
The lowest rate in each band goes to the bank's best-placed borrowers. Before charges and insurance; a floating rate moves with the bank's benchmark.
Kotak loan interest rates
Every band the bank publishes, a year. The lowest rate in each band goes to its best-placed borrowers.
Bank's page ↗ · Checked 15 Nov 2026
| Loan and borrower | From | Up to | Linked to | Effective on | Source |
|---|---|---|---|---|---|
Home loan For Salaried & For Self-employed |
7.60% | No top given | Floating | Not stated ✓ verified 15 Nov 2026 |
How Kotak compares
Each bank's lowest published rate, and what the same loan would cost a month there. Before charges.
Kotak loans: frequently asked questions
What is the Kotak home loan interest rate?
As of 15 Nov 2026, Kotak Mahindra Bank publishes home loan rates of 7.60% onwards a year (floating). The lowest, 7.60%, is for: For Salaried & For Self-employed. The rate you are offered depends on your credit score, income and the loan amount.
What is the EMI on a ₹50 lakh home loan from Kotak?
At Kotak's lowest published rate of 7.60%, a ₹50 lakh home loan over 20 years costs about ₹40,586 a month, or ₹47,40,627 in interest over the loan. Charges and insurance are extra.
Is Kotak cheaper than other banks for a home loan?
Of the 8 banks we read for home loans, Kotak's lowest published rate (7.60%) ranks number 6; the lowest is 7.25% at Central. Compare the charges as well as the rate.
Does RateScan get paid by Kotak?
No. We take no referral fees, show no ads and don't take loan applications. Every figure is read from the bank's own page, which is linked from every row.
How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
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