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Own Your Home in Delhi with Kotak Bank Home Loans

Delhi, the Capital of India, replete with a kaleidoscope of cultures, art, heritage and cuisine, offers an exhilarating living experience. Its rapid progress, well-developed infrastructure, and prominence in education, healthcare and commerce make it an appealing choice for prospective homeowners.

If you aspire to own a home in well-known areas like Lajpat Nagar, Defence Colony or Rohini: a Home Loan in Delhi from Kotak Mahindra Bank is a convenient option to make your dream a reality. Benefit from some of the most competitive housing finance available and apply dil se for your home in Delhi.

Features and Benefits of Availing a Home Loan in Delhi

As a customer of Kotak Mahindra Bank in Delhi, you can enjoy a plethora of advantages when applying for a housing loan, including:

  • Attractive Interest Rates: Our home loans come with highly competitive interest rates, ensuring affordability for your home investment
  • Simplified Application: Experience an application process that's designed for ease, reducing the complexity of paperwork
  • Easy Documentation: We've minimised paperwork, making it hassle-free to submit the necessary documents for your home loan
  • Discount on Processing Fees: Enjoy a *50% reduction in processing feess, saving you money
  • Customisable Loan Options: Tailor your home loan to match your specific financial situation and aspirations. Choose a tenure up to 25 years if it suits your requirements
  • Intuitive Loan Calculators: Make well-informed financial decisions using our advanced calculators to plan effectively
  • Rapid Loan Approval: Count on quick loan processing to accelerate your journey to homeownership
  • Personalised Support: Benefit from the expertise of dedicated relationship managers who will assist you throughout

Home Loan Interest Rates in Delhi

Are you searching for a bank providing the best Home Loan interest rate in Delhi? Look no further than Kotak Mahindra Bank, as our Home Loans come with attractive interest rates. So apply today to get the required funding at the best rates to buy your dream home in Delhi.

Customer Type Effective Rate Of Interest

Floating Category (Repo Rate: 6.50%)

For Salaried

8.70% onwards

For Self-employed

8.75% onwards


*Get in touch with us to stay updated on the latest developments regarding home loan interest rates. You can explore affordable Housing Loan options in Delhi specifically designed to meet your unique requirements by contacting us.

Eligibility Criteria of Home Loans in Delhi

The eligibility to get the best Home Loan rates in Delhi may differ depending on whether you are a salaried or self-employed individual. Here are the essential eligibility requirements to consider before applying for a Home Loan in Delhi:

Criteria Self-employed Applicants Salaried Applicants

Applicants should be between 18-65 years old

Applicants should be between 18 and 60 years old


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

Minimum Income of Rs. 15,000 per month for the residents of other cities.
Minimum Income of Rs 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents.

Minimum Income of Rs 15,000 per month for the residents of other cities.
Work Experience/ Continuity A minimum 3 years in business, practice or profession.
2 years of work experience and at least 6 months in the current organisation.

Check Your Eligibility Now

Documents Required for Getting Home Loans in Delhi

Besides having a good credit score for a home loan, preparing your documents before applying is essential to get a competitive Home Loan interest rates in Delhi. Here are the documents required for a home loan:

  • Proof of Identity (PAN/ Aadhaar/ Driving licence/ Voter ID)
  • Address Proof (Driving License/ Aadhaar/ Voter ID/ Passport)
  • Income Proof
  • Bank Statements
  • Proof of Age (PAN/ Aadhaar/ Driving licence/ Voter ID/ Passport)
  • Signature Proof (PAN/ Passport)
  • Last 3 Years’ Income Tax Returns (ITR)
  • Last 3 years’ balance sheet and profit and loss account certified/ audited by a C.A. (in case of self-employed customers)
  • All Property Documents

Note: The documentation requirement may vary depending on the kind of Home Loan finance you require as well. So make sure to clarify this with your designated Kotak Bank representative.

How to Apply for a low interest Home Loan Online in Delhi?

Securing a Home Loan is easier with Kotak Mahindra Bank – one of the leading Home Loan providers in Delhi. Here's how to apply:

Applying for a Home Loan service in Delhi is now easier than ever before. All you need to do is visit the Home Loan section on our website and follow a simple process. 

  1. Visit Kotak Mahindra Bank’s official website
  2. Enter your age and mobile number to log in
  3. Go to the loan application section
  4. Fill out your basic financial details on the application form to check your eligibility

After submitting the basic details, our Home Loan Specialist will reach out to begin processing your application

Ready to take the next step?

Have specific doubts? Talk to our Home Loan Advisor

So, check your eligibility, keep your documents ready and apply for a Kotak Home Loan online.

Frequently Asked Questions

How can I avail home loan in Delhi?

Kotak Mahindra Bank makes applying for a Home Loan in Delhi incredibly convenient. Simply visit the home loan section online, click 'Apply Now,' and follow the instructions. Once approved, the funds will be disbursed, allowing you to purchase your dream house in Delhi without hassle.

Can I get a home loan in Delhi if I have a low credit score?

Banks typically require a minimum credit score of 750 and above to grant a Home Loan. If you have a low credit score, you can still get a Home Loan by providing proof of income and proving your repayment capacity. However, the loan terms may differ. If you are facing similar concerns, feel free to reach out and a dedicated Kotak Mahindra Bank representative will provide you with all the guidance and assistance needed.

How much is the loan processing fee in Delhi?

The processing fee for a Home Loan typically varies from bank to bank and is usually a small percentage of the total loan amount. Please visit this Home loan processing fee page for more information on fees & charges.

Can I negotiate the home loan interest rate with Kotak in Delhi?

While lenders do entertain some scope for improvement, at Kotak Mahindra Bank, we always provide borrowers the best offers in line with their eligibility. You can be sure to get the most competitive interest rates for your application with us.

Why is Kotak the most preferred Home Loan lender in Delhi?

Kotak Mahindra Bank is the top choice for Home Loans in Delhi due to our competitive interest rates, hassle-free application process, and swift loan approval. Our commitment to serving the financial needs of the people of Delhi has made us a trusted name.

Branch Address:

Kotak Mahindra Bank Ltd., 2nd Floor, Ambadeep, 14, Kasturba Gandhi Marg, New Delhi - 110001


Terms & Conditions Apply: The final home loan interest rate and other associated charges are subject to a rigorous assessment process, including an evaluation of the applicant's creditworthiness, CIBIL score, property value, and other relevant factors.

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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.