Calculate your Kotak home loan EMI.
Use this calculator with Kotak's typical rate range. See your EMI, the principal-versus-interest split, and the tax-adjusted effective cost. Independent of Kotak — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About Kotak Mahindra Bank home loans
Kotak Mahindra Bank offers home loans in select cities, with strong digital application processes. Rate cards are typically competitive for salaried customers with stable employment.
Kotak home loan at a glance
| Typical rate range | 8.65% to 10.55% |
|---|---|
| Maximum tenure | 20 years |
| Maximum loan amount | depends on income and property value |
| Eligibility (age) | salaried minimum age 18, self-employed minimum age 23; maximum age at loan maturity 60-70 depending on profile |
| Processing fee | up to 2% of loan amount + GST |
Kotak home loan highlights
- Kotak Home Loan with online application and approval
- Doorstep service for document collection
- Customizable EMI options based on monthly cash flow
- Top-up loan available for existing customers
- No hidden charges policy — all fees disclosed upfront in sanction letter
Disclaimer: indiaemi.com is not affiliated with Kotak Mahindra Bank. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with Kotak before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b) and 80C) apply to all home loans from approved Indian banks and housing finance companies, under the old regime. (Section 80EEA is closed — it covered only loans sanctioned between 1 April 2019 and 31 March 2022.) — Kotak loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
Compare Kotak with other lenders
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Sources & standards
Every regulated figure on this page, what it is, and the primary source it comes from. Two Acts are live: the Income-tax Act, 1961 governs FY 2025-26 — the return being filed now — while the Income-tax Act, 2025 governs FY 2026-27 onward. The amounts are unchanged; only the section numbers moved.
| What | Current value | Source | Verified |
|---|---|---|---|
| Interest deduction cap — self-occupied property | ₹2,00,000/yr | Income-tax Act, 1961 — s.24(b) (FY 2025-26 & earlier) Income-tax Act, 2025 — s.22(1)(b) & (c); cap in s.22(2) (in force 1 Apr 2026) | 2026-07 |
| Principal repayment deduction cap (shared with EPF, PPF, ELSS, insurance) | ₹1,50,000/yr | Income-tax Act, 1961 — s.80C (FY 2025-26 & earlier) Income-tax Act, 2025 — s.123, read with Schedule XV (in force 1 Apr 2026) | 2026-07 |
| Additional interest deduction — first-time buyers (CLOSED) closed | ₹1,50,000/yr window 2019-04-01 → 2022-03-31 | Income-tax Act, 1961 — s.80EEA (FY 2025-26 & earlier) Income-tax Act, 2025 — s.131 (in force 1 Apr 2026) | 2026-07 |
| Optional regime — retains deductions at higher slab rates | std deduction ₹50,000 4 slabs, top rate 30% | 2026-07 |
Not tax or legal advice. See every standard this site uses →