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Own Your Home in Pune with Kotak Home Loans

With its robust IT and manufacturing sectors, Pune has emerged as a hub for commerce in the country. Moreover, the picture perfect city’s landscape is also home to prestigious educational establishments that have attracted students nationwide. The vibrant city's tranquillity and abundant greenery further enhance the appeal of residential properties. 

To help you buy a new home without burdening your budget, Kotak Mahindra Bank offers minimal documentation with affordable interest rates, flexible repayment terms, quicker processing, and faster disbursal in Pune.

Features and Benefits of Availing a Home Loan in Pune

Move closer to your dream home and avail Kotak Mahindra Bank’s best Home Loan rates in Pune. Here are some more features and benefits of a housing loan you can take advantage of:

  • Competitive Interest Rates: Benefit from some of the industry's most attractive interest rates, ensuring cost-effective financing for your dream home.
  • Streamlined Application: Experience a simplified application process, reducing paperwork and making it more accessible for you.
  • Minimal Documentation: We've cut down on paperwork, requiring only essential documents, making the application process smoother.
  • Online Convenience: Apply conveniently online through our user-friendly website or mobile app, with the power to control your loan journey.
  • Processing Fee Savings: Opt for digital applications and enjoy a 50% discount on processing fees.
  • Tailored Loan Solutions: Our loans are adaptable to your unique financial situation, giving you the flexibility you need.
  • Easy-to-use Loan Tools: Utilise our advanced Home Loan Calculator to make the right financial decisions and plan effectively.
  • Seamless Processing: We prioritise speed; expect your loan to be processed quickly, so you can get closer to owning your home.
  • Instant Sanction Letter: Receive your home loan sanction letter within an astonishing 10 minutes of completing your application.
  • Flexible Repayment Options: Choose a repayment term that suits your financial goals and lifestyle.
  • Branch-Free Experience: Say goodbye to branch visits; complete your entire loan journey from wherever you are.
  • Dedicated Relationship Managers: Our skilled experts are available to provide you with personalised assistance and guidance throughout your journey.

Low Home Loan Interest Rates In Pune

Looking to buy a home in Pune with the lowest home loan interest rates in Pune? Kotak Mahindra Bank offers an irresistible Home Loan interest rate.

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 explore the wide range of cheapest Home Loans in Pune tailored to your needs.

Check Eligibility Criteria of Home Loans in Pune

Discover your home loan eligibility in just a few moments using our convenient eligibility calculator. The basic criteria for a Home Loan finance company depends on internal assessment of an application: salaried individual or self-employed with a CIBIL score,+, monthly Income, credit history, fixed monthly financial obligations etc.

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 Pune

For a home loan in Pune, you need to provide various documents related to the property, finances, occupancy, identity, and address. These documents include

  • Proof of Identity (PAN/ Aadhar/ Driving licence/ Voter ID)
  • Address Proof (Driving License/ Aadhar/ Voter ID/ Passport)
  • Income Proof
  • Bank Statements
  • Proof of Age (PAN/ Aadhar/ Driving licence/ Voter ID/ Passport)
  • Educational Qualification Proof
  • 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

*In certain cases, additional documents may be required.

How to Apply for the Lowest Home Loan Online in Pune?

Applying for a Home Loan service in Pune has never easier. You just have to visit the Home Loan section on the Kotak Mahindra Bank website and follow a simple process.

  1. Enter basic details such as the type of loan you wish to apply for (New Home Loan). Then specify your Income and date of birth to determine your eligibility in seconds.
  2. After doing this, it's time to obtain the all-important sanction letter. The online form requires you to provide essential information, including your monthly in-hand income, PAN details, and either your net banking credentials or the past six months' bank statements of your salary account.
  3. By agreeing to the terms and conditions, you can submit your application and receive the sanction letter instantly! That’s all, folks.

If you're interested in purchasing a house in Pune, take these simple steps and apply for a housing loan from Kotak Mahindra Bank. Click here to check out home loan eligibility criteria

Ready to take the next step?

Have specific doubts? Talk to our Home Loan Advisor

FAQs for Home Loan in Pune

What services and products do Home Finance Banks in Pune offer?

Home Finance Banks and institutions like Kotak Mahindra Bank provide a range of loan options for the purchase of property, renovation, improvement, construction. These loan facilities are accessible to everyone, including business owners, medical practitioners, legal experts, and chartered accountants.

How much home loan can I get in Pune based on my income?

At Kotak Mahindra Bank, the approvable loan amount is determined using multiple factors that are not just limited to Income, CIBIL score, assessment, location, monthly obligations, etc.

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

Usually, a credit score of 750 or higher is considered good when seeking a Home Loan. However, based on your income and repayment capacity, you can get a Home Loan with a less than ideal credit score as well, with differing terms and conditions however.

Can I transfer my existing home loan to Kotak Mahindra Bank in Pune for a lower interest rate?

Yes, one of the main drivers for borrowers to consider transferring their home loan to another lender is the availability of a more competitive interest rate. By securing a lower rate with Kotak Mahindra Bank, you can effectively reduce your monthly obligations and overall loan expenditure.

Are there any tax benefits associated with home loans in Pune?

Under Section 80C of the Income Tax Act, borrowers can avail of annual tax deductions of up to Rs. 1.5 lakh on the principal repayment of their Home Loans. Additionally, as per Section 24, borrowers can claim tax deductions of up to Rs. 2 lakhs on the interest payments made towards their Home Loan. 

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

Kotak Mahindra Bank is the top choice for Home Loans in Pune 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 Pune has made us a trusted name.

Branch Address:

Kotak Mahindra Bank Ltd.,4th Floor, Zone II,Nyati Unitree, Yerwada,Nagar Road, Pune - 411006


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.