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, Pune's landscape boasts prestigious educational establishments that allure students nationwide. The 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 Home Loan in Pune with minimal documentation. Kotak Home Loan come with affordable interest rates, flexible repayment terms, quicker processing, and faster disbursal.

Features and Benefits of Availing a Home Loan in Pune

Get closer to your dream home with Kotak Mahindra Bank’s affordable Home Loan rates in Pune. Kotak Home Loans have attractive features and great benefits of housing loan for you.

  • Quick loan disbursal with minimal downtime
  • Home Loan tenure up to 25 years
  • Transparent dealings with no hidden charges
  • 50% off on processing fee*
  • Courteous doorstep service for convenience
  • Attractive premium insurance options to shield your home loan
  • Pradhan Mantri Awas Yojana (PMAY) compliant
  • Low Home Loan rates in Pune for affordable monthly instalments
  • Versatile loan options for apartments, houses, or construction
  • Invest in Pune's growing market for a valuable future

Lowest 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, commencing at an appealing 8.75%* p.a.

Loan Type Applicant Type Interest Rate

Home Loan

Salaried Applicants

8.75% to 9.35% (P.A.)

Self-employed Applicants

8.80% - 9.60% (P.A)

Home Loan Balance Transfer

Salaried Applicants

8.75% onwards

Self-employed Applicants

8.80% 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 eligibility in just a few moments using our convenient eligibility calculator. The criteria of a Home Loan finance company in Pune may vary based on whether you are a salaried individual or self-employed, and it is essential to have a CIBIL score typically above 750+.

Criteria Self-employed Applicants Salaried Applicants

Applicants should be between 25-70 years old

Applicants should be between 23-62 years
Credit Score 750+ 750+


Income A steady income for at least five years is required Minimum salary requirement as per age -

Rs. 30,000 per month (23-37 years)
Rs. 40,000 per month (37-45 years)
Rs. 50,000 per month (45-62 years)
Work Experience/ Continuity 5 years in the current field 3 years

Documents Required for Getting Home Loans in Pune

Property Documents:

  • Valid sales deed, stamped agreement of sale, or allotment letter
  • No Objection Certificate (NOC) from the housing society or builder is required for a Home Loan provider in Pune
  • Possession certificate and land tax receipt from the land/revenue department
  • Detailed estimation of the construction cost

Financial Documents:

  • Bank account statement or payment receipt providing evidence of payments made to the seller or builder

Occupancy and Identity Documents:

  • Occupancy certificate (for constructed apartments)

Proof of identity (anyone):

  • Aadhaar card
  • PAN card
  • Voter ID card
  • Passport
  • Driving license

Address Proof:

  • Electricity bill
  • Post-paid mobile bill
  • Water bill receipt
  • Property tax receipt

Additional Requirement:

  • Recent passport-sized photograph is required for home finance in Pune

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

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

  • Click 'Apply Now' to provide personal, occupational and property details. Specify the loan amount you're seeking.
  • Your application will be matched with the home loan eligibility
  • If your application meets the criteria, a loan expert will conduct a site visit to assess the property and generate an e-sanction letter.
  • Once the loan is approved, the funds will be transferred directly to your account.

If you're interested in purchasing a house in Pune, you should take these steps and apply for a housing loan.