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Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting CashbacksKotak Mahindra Bank home loan rates start at 7.60% p.a.. Floating rates are linked to the bank's repo rate + spread. The RBI raised the repo rate by 25 bps to 5.50% on 7 October 2026; existing repo-linked loans move at their next reset date.
| Borrower / slab | Interest rate (p.a.) |
|---|---|
| All borrowers | from 7.60% |
Source: Kotak Mahindra Bank official rate page, checked 26 Oct 2026. The rate you are offered depends on your credit score, loan amount and income type.
| Loan amount | 20 years at 7.60% | 30 years at 7.60% |
|---|---|---|
| ₹25 lakh | ₹20,293 | ₹17,652 |
| ₹50 lakh | ₹40,586 | ₹35,304 |
| ₹75 lakh | ₹60,879 | ₹52,956 |
| ₹1 crore | ₹81,172 | ₹70,607 |
| ₹1.5 crore | ₹1,21,758 | ₹1,05,911 |
A 0.25% rise adds ₹771 a month to a ₹50 lakh, 20-year loan at 7.60%. Try the Kotak Mahindra Bank EMI calculator.
| Item | Value |
|---|---|
| Processing fee | 0.30% up to ₹50 lakh; ₹10,000 + GST above (Ambak panel) |
| Minimum loan amount | ₹20 lakh (Ambak panel) |
| Maximum loan amount | ₹30 crore (Ambak panel) |
| Lender | Interest rate (p.a.) | Effective |
|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026 |
| State Bank of India | from 7.50% | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | — |
| Axis Bank | 8.00% – 9.10% | — |
| HDFC Bank | 8.00% – 13.45% | — |
| ICICI Bank | 8.75% – 9.90% | 8 Oct 2026, valid till 31 Oct 2026 |
All rates from each bank's official rate page, checked 26 Oct 2026.
Zero Hidden ChargesHassle Free and Fast Approval ProcessPersonalized Loan AssistanceExciting Cashbacks
