Home Loans

Kotak Mahindra Bank provides you home loans accompanied by highly customised facilities and services for a seamless and pleasurable home-buying experience.
In a market where the basic product is largely similar, the differentiator is our ability to understand the customer's need completely and structure the eligibility and loan amount appropriately.

  1. High eligibility for businessmen
  2. Doorstep service
  3. Attractive interest rates
  4. Convenient loan disbursement process
  5. Simplified documentation
  6. Insurance options to cover your home loans at attractive premium
  7. Quicker turnaround time


For loans: Conditions apply: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.


The eligibility depends on an individual's repayment capacity and is based on the following factors:

Salaried individual

  1. Monthly or annual income
  2. Source of income
  3. Savings and credit history
  4. Work experience
  5. Age
  6. Qualifications
  7. Number of dependents
  8. Probability of the individual continuing in the same occupation

Self employed

  1. An audited balance sheet
  2. Profit and Loss Account of last three years

Apart from the application form, generally banks will ask you to submit the following documents.

  • Income proof and banking details
  • Age proof and address proof
  • Identity proof
  • Proof of educational qualifications

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What is the maximum amount I can borrow?

You can borrow up to 80% of the cost of the property in case of Home Loans. However in case of Commercial Property Loans or Loans against an existing property you can borrow up to 60% of the cost of the property.

How will my loan eligibility be determined?

Your repayment capacity as determined by Kotak Mahindra Bank will help decide how much you can borrow. Repayment capacity takes into consideration factors such as income, age, qualifications, number of dependent's, spouse's income, assets, liabilities, savings history and stability and continuity of occupation.

In how many years can I repay the loan amount?

You can opt for a loan period of up to 20 years, which can vary depending on your profile.

Who can be my co-applicant?

If you are an individual - your spouse, your parents, or even your major children can be your co-applicants. The co-owner of a property has to be a co-applicant, but a co-applicant need not be the co-owner of the property.

Can I get the benefit of reduced interest rates in the intervening period or during the balance tenure of my loan?

In Floating rate loans, change in Base rate will have direct impact on the interest rate of Home Loan.

When will the loan be disbursed?

You can take the disbursement after credit, technical and legal appraisals of the property have been done, besides execution of relevant documents & deposit of original property documents is required to be completed prior to disbursement. Further, you should have invested your own contribution amount towards the property. 'Own contribution' is the difference between the cost of the property and the loan amount.

In how many installments can the loan be disbursed?

The loan will be disbursed in full or in suitable installments taking into account requirement of funds and progress of construction, as assessed by Kotak Mahindra Bank.

Does the agreement for sale have to be registered?

Yes, very much so. In many states in India, the agreement for sale between the builder / seller and the purchaser is required by law to be registered. You are advised, in your own interest to lodge the agreement for sale at the office of the Sub-registrar appointed by the State Government under the Indian Registration Act, 1908.

Does the property have to be insured?

Your home is your pride and joy. Don't let unplanned events take it away. Property insurance will take care of home in case an unforeseen event strikes. That way, you'll always have peace of mind knowing that you and your loved ones will be assured of a roof over their heads.

What kind of security is required?

In most cases, the property itself, bought or intended to be bought, becomes the security till the entire loan is repaid. In some cases additional security such as life insurance policies or Term Deposit receipts of Kotak Mahindra Bank (if available) can be provided.


Conditions apply. Credit at the sole discretion of the bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.


Kotak Home Finance is dedicated to understanding your specific needs, and to helping you move your inventory faster than ever before. We will work closely with you for a mutually beneficial relationship.

Distributors or Direct Sales Associates for other Financial Services

If you are currently distributing some other financial Products and would like to benefit from the real estate and Home-Finance boom, then Kotak Mahindra Bank is the place for you.

Real Estate Agents and Brokers

We provide one of the best Home-finance solutions in the industry. The speed is designed to give your business the necessary fillip.

To get in touch with us and find out more about how you can become an Associate, contact us at following branches.

Location Sub-location Dept Full Address (with PIN Code) Contact Person Contact No.
Mumbai Kalina Home Finance 5th Floor, Vinay Bhavya Complex, 159 A, CST Road, Kalina, Santacruz E, Mumbai - 400098 Vijay Rai 9167490313
Mumbai Borivali Home Finance 1st Floor, Soni Shopping Centre, L.T. Road, Borivali (W), MUMBAI - 400092 Aashish Shinde 9920755101
Mumbai Mulund Home Finance 105-106, 1st Floor, Vikas Paradise, LBS Marg, Mulund(W), MUMBAI - 400080 Amit Thorat 9167930035
Delhi Delhi Home Finance 2nd & 3rd Floors, 6, Vaishali Enclave, Pitam Pura, Adjacent to Gulab Sweets, New Delhi - 110088 Amit Arora 9811320991
Bangalore Bangalore Home Finance 3rd Flr, Umiya Landmark, Lavelle Road, Bangalore -560001 Vijaya Duba 9739010721
Pune Pune Home Finance 8th Floor, Sohrab Hall, 21, Sassoon Road, Behind Railway Station, Pune - 411001 Kunal Pradhan 7767802576
Hyderabad Hyderabad Home Finance Jewel Pawani Tower, 2nd Floor, W Block, 6-3-1109/1/P/302,Raj Bhavan Road, Somajiguda, Hyderabad - 500082 Giri Babu 9885522999
Chennai Chennai Home Finance 2nd Floor, Ceebros Center, 39, Montieth Road, Egmore, Chennai - 600008 Prakash K 9962000400
Coimbatore Coimbatore Home Finance 1054/18, Goutham Centre Annexe, 2nd Floor, Avinashi Road, Coimbatore - 641018 Prakash K 9962000400
Jaipur Jaipur Home Finance D 232, 1st Floor, SDC Atlantis Tower, Hanuman Nagar, Near Amrapali Circle, Vaishali Nagar, Jaipur - 302020 Amit Arora 9811320991
Chandigarh Chandigarh Home Finance SCO-826, Basement, NAC Manimajra, Chandigarh-160101 Kunal Pradhan 9646688396
Ahmedabad Ahmedabad Home Finance 21-22 & 25-26, 4th Floor, Siddhivinayak Complex, Shivranjani Cross Road, Ahmedabad - 380015 Ketan Sheth 9825140410
Surat Surat Home Finance K.G. Point, Ghod Dod Road, Near Ganga Palace, Surat - 395007 Sachin Shaktinandan 9099091235
Rajkot Rajkot Home Finance Upper Ground Floor, Shri Nath Complex, Dr. Yagnik Road, Opp. Jilla Panchayat, Race Course Chowk, Rajkot - 360001 Paras Seladiya 9879584686

For loans: *Conditions apply: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

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