What your loan costs each month, and what the same loan costs at the highest rate. Kotak Mahindra Bank is a private bank, and the two rates below are the floor and the ceiling it publishes for its home loan.
What it costs per month
On ₹50,00,000 over 20 years.
| Rate | EMI | Total interest |
|---|---|---|
| 7.60% | ₹40,586 | ₹47,40,627 |
| 9.50% | ₹46,607 | ₹61,85,574 |
Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional. For a different amount or tenure, run it through the EMI calculator.
The 1.90-point spread between those two rows is ₹6,021 a month and ₹14,44,947 in interest over the term. Which end you land on is set by your profile at underwriting, so it is worth checking home loan eligibility and your credit score before you apply rather than accepting the first quote.
How it compares
8th cheapest of the 12 providers we track, 0.45% above Canara Bank, LIC Housing Finance and Union Bank of India at 7.15%, and 0.40% above Bank of Baroda at 7.20%. The full Kotak Mahindra Bank home loan detail has the fees, and every lender we track is ranked on the home loan interest rates table.
Terms change without notice. Confirm the current figures with Kotak Mahindra Bank before you act.
Related reading
Kotak Mahindra Bank Home Loan Fees and Charges (2026) — The Full List
The Kotak Mahindra Bank home loan processing fee as published, plus the charges that sit outside it.
17 Sep 2026 · 1 min
Kotak Mahindra Bank Home Loan Interest Rate Today
Kotak Mahindra Bank advertises from 7.60% on a home loan and can charge up to 9.50%.
17 Sep 2026 · 1 min