
At Kotak Mahindra Bank, we provide several home financing solutions to satisfy your needs. Whether you purchase a house, construct, or renovate it, our smooth and efficient home loan processes enable you to achieve your goal.
We provide home loans according to your budget at affordable interest rates. Enjoy easy online applications and feasible repayment options with Kotak Mahindra Bank.
Discover your perfect dream home from among our curated properties.
Our EMI Calculator lets you analyze the amount of your Home Loan installment.
Already applied for the Home Loan? You can check your Home Loan Status now!
Property Checks, Valuations, Home Search, Calculators and lot more. Just to make home buying and home loan journey more fun for you!
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Property Report
Uncover essential property information in just a few clicks, so that you can make better decisions
Find out the right price for your property
Get Property valuation from trusted experts, based on big-data analytics and ground-level market intelligence
Kotak Home Loan offers exclusive benefits, such as lucrative home loan interest rates, doorstep service, minimal documents requirement for a home loan, insurance covering the home loan, and much more. Discover more about the benefits of the Kotak Mahindra Bank Home Loan below!
Save on the processing fee when applying online for a Kotak Home Loan
Processing your home loan becomes more accessible from your doorstep without the hassle of running around
Minimal documentation for home loans equals less headache
Options for Home Loan insurance coverage at lucrative premiums
Kotak Home Loans provides a smooth and easy process of availing of a home loan. Here are the steps involved in the processing of a home loan — from application to disbursement.
You can apply for a home loan through our website or by visiting a bank branch.
If all works out, your home loan gets approved.
Finally, we process the documents of the property to be purchased.
Why Choose Kotak Mahindra Bank for a Home Loan?
We at Kotak Mahindra Bank understand the remarkable feeling of stepping into your own home!
Kotak Mahindra Bank provides you with an array of customized Home Loan products to select from. We enable instant and hassle-free processing for home loans. Enjoy a smooth and wholesome house purchase experience at lucrative interest rates only with a Kotak Home Loan.
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I had a great experience. I want to appreciate the Home Loan RM & branch for the customer centricity & follow ups to keep the things moving.
Reviewed on 04/11/2022
It was good experience. I preferred Kotak bank over other banks due to lower rate of interest and my existing relationship with Kotak Bank.
Reviewed on 04/11/2022
Process of getting Kotak Home Loan was smooth. Would recommend one to choose Kotak Home Loans. Also, RM, Branch team were of great support.
Reviewed on 04/11/2022
Extremely satisfied with the services provided. I really appreciate Kotak Bank & the team for their efforts in helping me buy my first home.
Reviewed on 04/11/2022
Clicking on ‘Accept & Proceed’ will redirect you to a third party website.
By clicking on ‘Accept & Proceed’ will be redirected to a third party co-developed website powered by Teal India Pvt. Ltd.
By Clicking on “Accept & Proceed”, you are expressing an interest in availing Kotak Home Loan and need value added information such as Property Valuation for which you will be redirected to a third party co-developed website powered by Teal India Pvt Ltd. Kotak Mahindra Bank does not undertake any liability or responsibility for the Information contained therein.
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When a customer borrows an amount from a bank to purchase their desired house, the amount borrowed is the home loan for the house. You can avail a home loan to purchase either a personal or commercial property.
Nowadays, home loans provide respite to millennials looking to buy their own homes. Kotak Home Loan funds 75%- 80% of the cost of the property. Consequently, it helps the borrower move a step closer towards their dream home, unaccompanied by the burden of a colossal expense at once. Moreover, EMIs lessen the burden of paying back a huge sum all at once.
The following are the different types of home loans:
At Kotak, we ensure that the home loan fees & charges are minimal. Discover more regarding the comprehensive structure of fees and charges corresponding to Kotak Home Loans.
The EMI to be paid is subject to:
We at Kotak have formulated an EMI calculator to make this process easy. You can calculate the monthly installments with our easy-to-use Home Loan EMI Calculator.
Your home loan eligibility depends on your monthly income, qualification, type of work and credit history, age and number of dependents, source of income, and your future plans.
At Kotak Mahindra Bank, we intend to make getting a housing loan simpler. Hence, the documents necessary for the Kotak Home Loan application are minimum. You can go through the complete instructive information of home loan documentation to learn more about it.
The Home Loan application process at Kotak is easy. After clicking on the ‘Apply Now’ button, all you need to do is enter your personal information in the form on the screen. After that, you will receive a quote and can apply for the loan online. Another benefit of the Kotak Home Loan is that you can get the home loan in principally sanctioned[AS(BK1] swiftly within 24 hours*. In-principle approval of your home loan online is done via your income tax credentials. In essence, Kotak provides an inexpensive Housing Loan right at your threshold! It is swift, convenient, and comes along with an appropriate loan disbursement process. It’s time to raise the bar with Kotak today!
You can pay off any existing balance of Home Loan using Kotak’s Home Loan Balance Transfer at a lower rate of interest.
If you are an NRI and are looking for a Home Loan, Kotak provides you just that. Check out our NRI Home Loans section.
If you are looking for renovating your home, you can do so by taking Kotak’s Home Improvement Loans
Disclaimer (Things you should know):
For loans: 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.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
Clicking on ‘Apply Now’ will redirect you to a third party website.
By Clicking on “Accept & Proceed”, you are expressing an interest in availing Kotak Home Loan and need value added information such as Home Search for which you will be redirected to a third party website. Kotak Mahindra Bank does not undertake any liability or responsibility for the Information contained therein.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
At your request, you are being re-directed to a third party site - http://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment from a different bank account. Kotak Cards does not guarantee or warrant the accuracy or completeness of the information, materials, services or the reliability of any service, advice, opinion statement or other information displayed or distributed on the third party site. You shall access this site solely for purposes of payment of your bills and you understand and acknowledge that availing of any services offered on the site or any reliance on any opinion, advice, statement, memorandum, or information available on the site shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services offered by BilIDesk whose site you are about to access. Neither Kotak Cards nor any of its affiliates nor their directors, officers and employees will be liable to or have any responsibility of any kind for any loss that you incur in the event of any deficiency in the services of BiIIDesk to whom the site belongs, failure or disruption of the site of BilIDesk, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials.
Note: Available in select banks only. Kotak Cards reserves the right to add/delete banks without prior notice. © Kotak Mahindra Bank. All rights reserved
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
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Clicking on “Accept & Proceed” will redirect you to a third party website.
By Clicking on “Accept & Proceed”, you are expressing an interest in availing Kotak Home Loan and need value added information such as Property Report for which you will be redirected to a third party co-developed website powered by Teal India Pvt Ltd. Kotak Mahindra Bank does not undertake any liability or responsibility for the Information contained therein.
By clicking on “Accept & Proceed” you will be redirected to a third party co-developed website powered by Teal India Pvt Ltd.
By clicking on “Accept & Proceed” you will be redirected to a third party co-developed website powered by Teal India Pvt Ltd.