90 Lakh Home Loan EMI - 50% Off On Processing Fees

Get Home Loan Up To ₹ 90 Lakh

Home Loans are the most sought-after financing options for aspiring home buyers. If you are planning to purchase a property, you can cover up to 90% of its cost with a Home Loan and repay it in EMIs spread across a loan tenure. At Kotak Mahindra Bank, you can get attractive home loan interest rates. Calculate your EMI for 90 Lakhs Home Loan using a loan EMI calculator and manage EMI repayment efficiently.

EMI calculator for Home Loan of ₹ 90 Lakh

A Home Loan EMI calculator helps calculate EMIs based on three variables: loan amount, interest rate, and repayment tenure. Using this tool, you can calculate the EMI for Home Loan of ₹ 90 Lakh as per the tenure that you choose. It helps you manage repayments for better management of finances.

Home Loan

Loan Amount

Minimum ₹ 10,00,000

Interest Rate

Tenure (Years)

Till April 2028

Equated Monthly Instalments (EMI)

10000

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Principal

50,00,000

Interest Payable

2,00,000

View Amortization Table

Home Loan Amortization Schedule

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Emi Nos	Opening Principal	EMI	Interest	Principal Repayment	Closing Principal

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Guide to better loan finance

Resources to get the best out of your Home Loan and manage your finances prudently

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₹ 90 Lakh Home Loan EMI as per Tenure

Use Home Loan EMI calculator to calculate your EMI on Home Loan for ₹ 90 Lakh as per tenure. Here is an overview:

Loan Amount	Interest Rate	Repayment Tenure	EMI Amount
90 Lakh	8.70%*	5 Years	₹ 185,517
90 Lakh	8.70%*	10 Years	₹ 112,552
90 Lakh	8.70%*	15 Years	₹ 89,684
90 Lakh	8.70%*	20 Years	₹ 79,247
90 Lakh	8.70%*	25 Years	₹ 73,687

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₹ 90 Lakh Home Loan Documents & Eligibility Criteria Required

At Kotak Mahindra Bank, we have transparent Home loan eligibility conditions you can easily fulfil. Here’s an outlook:

Criteria	Salaried Applicants	Self-employed Applicants
Age	Applicants should be between 18 and 60 years old	Applicants should be between 18-65 years old
Income	Minimum Income of ₹ 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents. Minimum Income of ₹ 15,000 per month for the residents of other cities.	Minimum Income of ₹ 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai. Minimum Income of ₹ 15,000 per month for the residents of other cities.
Work Experience/ Continuity	2 years of work experience and at least 6 months in the current organisation.	Minimum 3 years in business or profession with the number of successful years in the business or profession.

Criteria

Salaried Applicants

Self-employed Applicants

Age

Applicants should be between 18 and 60 years old

Applicants should be between 18-65 years old

Income

Minimum Income of ₹ 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents.

Minimum Income of ₹ 15,000 per month for the residents of other cities.

Minimum Income of ₹ 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai.

Minimum Income of ₹ 15,000 per month for the residents of other cities.

Work Experience/ Continuity

2 years of work experience and at least 6 months in the current organisation.

Minimum 3 years in business or profession with the number of successful years in the business or profession.

If you are eligible, keep these documents ready to apply:

Identity proof, like Aadhar card, PAN card, driving licence, voter ID, passport, etc.
Address proof, like Aadhar card, voter ID, driving licence, passport, etc.
Age proof, like voter ID, passport, PAN card, Aadhar card, driving licence, etc.
Signature proof, like a passport or PAN card
Income proof

How to Apply for ₹ 90 lakh Home Loan with Kotak

Are you planning to apply for a Home Loan at Kotak Mahindra? You can visit the bank branch to apply offline or follow these steps to apply online:

Log on to Kotak's website or download the mobile banking app.
Visit the Home Loan section to fill out an online application form.
Provide your personal and financial details.
Scan and upload the required documents.
Get your sanction letter in ten minutes with quick disbursement

What will be the EMI on ₹ 90 Lakh Home Loan for 10 years?

Do you want to calculate your EMI for a Home Loan of 90 Lakh? Here is what it will look like:

Loan Amount	₹ 90 lakh
Interest Rate	8.70%*
Loan Tenure	10 Years
90 Lakh Home Loan EMI for 10 years	₹ 112,552
Total Interest Payable	₹ 4,506,253
Total Payable Amount	₹ 13,506,253

*T&C Apply

What will be the EMI on a ₹ 90 Lakh Home Loan for 20 Years?

A 90 Lakh loan EMI calculator will help calculate the EMIs for 20 years as follows:

Loan Amount	₹ 90 lakh
Interest Rate	8.70%*
Loan Tenure	20 Years
90 Lakh Home Loan EMI for 20 years	₹ 79,247
Total Interest Payable	₹ 10,019,295
Total Payable Amount	₹ 19,019,295

*T&C Apply

What will be the EMI on ₹ 90 Lakhs Home Loan for 25 years?

Here is a 90 Lakh Home Loan EMI plan for the maximum loan tenure, that is 25 years:

Loan Amount	₹ 90 lakh
Interest Rate	8.70%*
Loan Tenure	25 Years
EMI for 90 Lakhs Home Loan for 25 years	₹ 73,687
Total Interest Payable	₹ 13,106,232
Total Payable Amount	₹ 22,106,232

*T&C Apply

Frequently Asked Questions

What is the minimum salary required for a Home Loan?

If you are a salaried employee, you must earn at least ₹20,000 if living in Delhi, Mumbai, Chennai, Pune, or Bangalore, and ₹15,000 if living in any other city.

What is the maximum age limit to apply for a ₹90 Lakh Home Loan?

The age eligibility requirements for salaried employees is between 18 to 60 years of age, and for self-employed professionals, it is 18 to 65 years of age.