25 Lakh Home Loan EMI @8.75%* Interest Rate |Apply Online

Own Your Home with Kotak Bank Home Loan

Looking to buy a home costing around Rs. 25 Lakh? Finance the purchase with a Home Loan from Kotak Bank. Our Home Loans come with flexible repayment options and an attractive interest rate of 8.75% per annum. Whether you're a salaried professional or self-employed, our easy-to-fulfil eligibility criteria make it simple to secure the funds you need.

With Kotak Home Loans, you can enjoy the convenience of manageable EMIs and minimal paperwork. Take the first step towards homeownership today and turn your dream into reality without financial stress. Apply now and benefit from our streamlined loan process and exceptional customer service.

Home Loan EMI Calculator

You can use our Home Loan EMI Calculator to calculate the EMIs for a Rs. 25 Lakh Home Loan. It is a free-to-use online tool that provides instant calculations, leaving no room for errors. Simply enter the loan amount, interest rate, and repayment tenure to get the EMI amount instantly on the screen.

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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Monthly obligation should not be greater than Monthly Net Income

Guide to better loan finance

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

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Rs. 25 Lakh Home Loan EMI Plans

You can choose an EMI plan for a Home Loan of Rs. 25 Lakh according to your monthly budget and affordability. Your repayment tenure should have affordable EMIs so you can easily adjust to your finances. Here is an overview of different EMI plans using a Loan EMI Calculator for Rs 25 Lakh Home Loan.

Loan Amount	Interest Rate	Repayment Terms	EMI Amount
Rs. 25 Lakh	8.75%* per annum	5 years	Rs. 51,593
Rs. 25 Lakh	8.75%* per annum	10 years	Rs. 31,331
Rs. 25 Lakh	8.75%* per annum	15 years	Rs. 24,986
Rs. 25 Lakh	8.75%* per annum	20 years	Rs. 22,092
Rs. 25 Lakh	8.75%* per annum	25 years	Rs. 20,553

* Conditions Apply

Documents Required

To proceed with the Home Loan application, applicants need to submit the following documents:

Proof of Identity/Age (PAN Card/ Aadhaar Card*/Driving Licence/Voter ID/Passport)
Address Proof (Driving Licence/Aadhaar Card*/Voter ID/Passport)
Income Proof (Pay Slips and Bank Statements)
Signature Proof (PAN Card/Passport)
Last 3 years’ Income Tax Returns (ITR)
Last 3 years’ balance sheet and profit & loss account certified/audited by a Chartered Accountant (in case of self-employed)
All Property Documents

*Not mandatory

Note: In certain cases, additional documents may be required.

Eligibility Criteria

To apply for a Home Loan of Rs. 25 Lakh at Kotak Bank, you must fulfil the following eligibility criteria:

Criteria	Self-employed Applicants	Salaried Applicants
Age	Between 18 and 65 years	Between 18 and 60 years
Citizenship	Indian	Indian
Minimum Monthly Income	Rs. 20,000 for applicants of Delhi, Mumbai, Bangalore, Pune, and Chennai. Rs. 15,000 for the applicants of other cities.	Rs. 20,000 for applicants of Delhi, Mumbai, Bangalore, Pune, and Chennai. Rs. 15,000 for the applicants of other cities.
Work Experience/ Continuity	A minimum of 3 years in business, practice or profession.	2 years of work experience with at least 6 months in the current organisation.

How to Apply for a Rs. 25 Lakh Home Loan?

You can easily apply for Rs. 25 Lakh House Loan online by following these simple steps:

Visit our Home Loan
Use the EMI calculator to estimate your loan EMIs.
Click ‘Apply Now’ to fill out the application form.
Once submitted, our representative will contact you instantly.

Alternatively, you can apply for a Home Loan by visiting your nearest Kotak Bank branch.

What will be the EMI on Rs. 25 Lakh Home Loan for 10 years?

Loan Amount	Rs. 25 Lakh
Interest Rate	8.75% per annum
Repayment Tenure	10 years
EMI Amount	Rs. 31,331
Total Interest Payable	Rs. 1,259,803
Total Payable Amount	Rs. 37,59,803

What will be the EMI for Rs. 25 Lakh Home Loan for 20 Years?

Loan Amount	Rs. 25 Lakh
Interest Rate	8.75% per annum
Repayment Tenure	20 years
EMI Amount	Rs. 22,092
Total Interest Payable	Rs. 28,02,264
Total Payable Amount	Rs. 53,02,264

What will be the EMI on Rs. 25 Lakh Home Loan for 25 Years?

Loan Amount	Rs. 25 Lakh
Interest Rate	8.75% per annum
Repayment Tenure	25 years
EMI Amount	Rs. 20,553
Total Interest Payable	Rs. 36,66,077
Total Payable Amount	Rs. 61,66,077

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FAQs

How can I calculate the EMI for Rs. 25 Lakh Home Loan?

To calculate the EMIs for Rs. 25 Lakh Home Loan, you can use the Home Loan EMI Calculator on our website. Simply enter the loan amount, interest rate and repayment tenure to get the results instantly.

Can I apply for a Rs. 25 Lakh Home Loan jointly with a co-applicant?

Yes, you can add a co-applicant to your Rs. 25 Lakh Home Loan application to eligibility.

Can I easily get a Home Loan of Rs. 25 Lakh in India?

Getting a Rs. 25 Lakh Home Loan in India will depend on your eligibility criteria, income proof, credit score, other factors. Meeting these requirements will increase your chances of approval from Kotak Bank.

What is the maximum age limit to apply for a 25 Lakh Home Loan?

The maximum age to apply for Rs. 25 Lakh Home Loan at Kotak Bank is 60 years for salaried and 65 years for self-employed applicants.

Can I get an instant Home Loan of up to Rs. 25 Lakh at a low-interest rate?

By maintaining a high credit score, reducing the DTI ratio, and showing decent income and repayment capacity, you may get instant approval on Rs. 25 Lakh Home Loan at an attractive interest rate.