The processing fee the bank publishes, plus the charges that sit outside it.
Fees
| Charge | As published |
|---|---|
| Processing fee | Up to 2% + taxes (₹5,000 collected upfront at login) |
Updated 17 Sep 2026 · Lender rate pages, checked individually
Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction.
A fee only makes sense next to the rate it buys. The Kotak Mahindra Bank home loan interest rate page carries the advertised and maximum rates, and the Kotak Mahindra Bank EMI calculator shows what a given rate and tenure cost each month.
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%.
Check that position against every lender on our home loan interest rates table and our ranking of the best home loans in India. If you already hold a loan elsewhere, a fresh processing fee is the cost side of a home loan balance transfer — it has to be smaller than the interest you save.
Terms change without notice. Confirm the current figures with Kotak Mahindra Bank before you act.
Related reading
Kotak Mahindra Bank Home Loan EMI Calculator — Estimate in Seconds
What your Kotak Mahindra Bank home loan costs each month, and what the same loan costs at the highest published rate.
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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%.
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