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Kotak Mahindra Bank home loan interest rate

The advertised floor, the published ceiling, and what decides where you land between them.

The rate

Advertised ratePublished ceilingTermsProcessing fee
7.60%9.50%Repo-linked (EBLR)Up to 0.5%

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

Kotak Mahindra Bank advertises from 7.60% and publishes a ceiling of 9.50% for this product — a spread of 1.90%. Where you land is set by your credit band, loan-to-value and income profile, not by negotiation.

How it compares

8th cheapest of the 12 providers we track, 0.40% above Bank of Baroda at 7.20%.

All home loan rates →All Kotak Mahindra Bank home loan detail →

Terms change without notice. Confirm the current figures with Kotak Mahindra Bank before you act.