Home Loan in Rajkot- 50% Off On Processing Fees* | No Branch Visit
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Own Your House in Rajkot with Kotak Mahindra Bank Home Loans

Rajkot is among the top 50 places to live in India. Affordable living and an amiable environment make it a fantastic place to own a house. If you are looking to buy a house and need monetary assistance, you can take a home loan in Rajkot from Kotak Mahindra Bank. Enjoy flexible and competitive home loan interest rates in Rajkot. Our loan application process is quick and requires minimal paperwork.

Top Features & Benefits of Availing Home Loan in Rajkot

A lot of folks aspire to own a house in a beautiful city like Rajkot and thanks to technological advancements, availing a loan is now much easier. With Kotak Mahindra Bank, you can conveniently apply for housing loans online.

There are numerous benefits for you to enjoy, including:

  • Competitive Rates: Our home loans come with great interest rates to make your dream home more financially attainable.
  • Easy Application: We've designed an easy-to-follow application process, reducing the stress of extensive paperwork.
  • Online Convenience: Apply seamlessly through our website or mobile app, making the application accessible from anywhere.
  • Digital Processing Discounts: Opt for digital applications to benefit from a 50% reduction in processing fees, saving you money.
  • Personalised Financing: Our home loans are adaptable, allowing you to choose between terms to match your unique financial needs.
  • Easy-to-use Loan Calculators: Utilise our intelligent loan calculators to make informed decisions, ensuring your financial strategy is on point.
  • Quick Processing: Expect expedited loan processing, putting you on the fast track to homeownership.
  • Instant Sanction: Receive your home loan sanction letter within a remarkable 10 minutes of application submission.
  • Flexible Repayment Plans: Choose a repayment tenure that suits your budget and future aspirations perfectly.
  • No Branch Visits: Enjoy the convenience of a branch-free experience, completing the process entirely online.
  • Dedicated Advisors: Rely on the expertise of dedicated relationship managers who will provide personalised assistance.

*Note that the processing fee is a non-refundable amount.

Current Home Loan Interest Rates in Rajkot

You will be happy to know that Kotak Mahindra Bank offers competitive home loan interest rates. Also, there are tailored home loan options for every aspiring homeowner.

If you are interested, you can check your eligibility immediately and apply online or visit the nearest branch. For your reference, the interest rate details (for salaried and self-employed) are provided below.

Check Home Loan Eligibility Criteria in Rajkot

Kotak Mahindra Bank provides attractive home loans in Rajkot with the following features:

  • Processing fees: 50% off on digital applications
  • Tenure: Up to 25 years.
  • Loan Amount: Up to 90% of the property's value.

If you looking for a home loan from Kotak Mahindra Bank, you need to meet the following eligibility criteria:

Criteria Self-employed Applicants Salaried Applicants


Applicants should be between 18-65 years old

Applicants should be between 18 and 60 years old





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 Needed for Home Loan in Rajkot?

To apply for a home loan in Rajkot, you will need the following documents:

  • 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

Please ensure these essential documents are ready when applying for a home loan. It will make the loan processing stress-free and make the application process smooth and efficient.

Process of Applying for a Home Loan In Rajkot

Getting housing finance with competitive home loan interest rates in Rajkot is easy with Kotak Mahindra Bank. You just need to follow these steps:

  • Apply for a home loan through the official website or download the Kotak Mahindra Bank mobile application.
  • Check if you’re eligible with the eligibility calculator.
  • Submit all the necessary documents (residence proof, photo identity proof, income statement, and bank statements).
  • Provide the relevant property documents for the property against which you are seeking the loan.

Get your Sanction Letter in under 10 minutes.

Ready to take the next step?

Have specific doubts? Talk to our Home Loan Advisor

FAQs for Home Loans in Rajkot

Can I use a home loan to purchase a resale property in Rajkot?

Yes, With Kotak Mahindra Bank, you can avail yourself of a home loan with a flexible repayment tenure of up to 25 years. The Bank offers the benefit of a resale loan, wherein you can secure a loan of up to 90% of the value of your property.

Can I get a home loan in Rajkot if I am self-employed?

Kotak Mahindra Bank extends its home loans to self-employed individuals. However, it is essential to note that the interest rates for home loans for self-employed individuals may vary depending on some factors.

Can I switch my existing Home Loan in Rajkot to Kotak if I’m offered lower interest rates?

If you have a Home Loan with a high-interest rate from your current lender, you can transfer the loan via balance transfer to Kotak Mahindra Bank. This way, you can pay back the outstanding amount on more favourable terms.


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.