Kotak Mahindra Bank Home Loans

Kotak Mahindra BankHome Loan Interest Rates

Experience personalized home loan solutions with Kotak Mahindra Bank. Get competitive rates starting from 8.10%, zero processing fee offers, and innovative digital features that make your balance transfer journey smooth and rewarding.

Apply NowCalculate EMI
1-Year MCLR: 8.1%%

Starting Rate

8.1% p.a.

Max Loan Amount

₹5,00,00,000

Max Tenure

360 years

EMI for ₹50L

₹42,134

Key Benefits

Why Choose Kotak Mahindra Bank Balance Transfer?

Zero Processing Fee

Special offers with no processing charges

Digital Experience

Complete online process and tracking

Property Services

Free property search and legal help

Flexible Options

Overdraft facility on home loan

Quick Approval

Decision in 48 hours

Rewards Program

Earn rewards on timely payments

Current Interest Rates

Kotak Mahindra Bank Balance Transfer Rates

Compare our competitive rates and see how much you can save by transferring your home loan.

Customer CategoryInterest Rate RangeSpecial Conditions
Salaried (Premium)8.1% - 8.85%
  • Salary account with Kotak
  • Credit Score 750+
  • Updated rates 2024-25
Salaried (Standard)8.35% - 9.2%
  • Regular salaried customers
  • Current market rates
Self-Employed8.5% - 10.2%
  • Based on business profile
  • Competitive rates 2024-25
Special Rates8.05% - 8.8%
  • For Kotak Prime customers
  • Enhanced benefits 2024-25
Simple Process

Your Home Loan Journey in 4 Simple Steps

From application to approval in just 48 hours with our streamlined digital process

01

Check Eligibility

Use our instant eligibility checker to know your loan amount in 60 seconds

60 seconds
02

Submit Documents

Upload required documents digitally through our secure portal

15 minutes
03

Bank Processing

Our partner banks verify your documents and process your application

24-48 hours
04

Loan Disbursal

Receive funds directly in your account after final approval

3-5 days
Start Your Application
Eligibility

Eligibility & Documentation

Check if you qualify for Kotak Mahindra Bank home loan and documents required

Eligibility Criteria

  • Minimum 6 months old loan
  • Regular repayment record
  • No restructuring history
  • Credit score 700+
  • No defaults or delays
  • Maximum 30% credit utilization
  • 21-65 years currently
  • Maximum 75 years at maturity
  • Joint application allowed
  • Net salary ₹25,000+
  • Business income ₹3 lakhs+
  • 2 years stability required

Documents Required

  • PAN and Aadhaar
  • Address proof
  • Photographs
  • Signature proof
  • Salary slips/Income proof
  • Bank statements
  • Tax returns
  • Investment proofs
  • Loan account details
  • Repayment track
  • Outstanding certificate
  • Sanction letter
  • Ownership proof
  • Agreement copies
  • Tax paid receipts
  • Society NOC

Processing Fees

0.5% of loan amount
Min: ₹5,000
Max: ₹50,000

Meet all the eligibility criteria? Apply now for instant approval!

Start Your Application
Customer Success Stories

5 Million+ Happy Homeowners

Real stories from customers who achieved their dream of homeownership with MoneyKarma

PS

Priya Sharma

Mumbai, Maharashtra

“MoneyKarma made my dream of owning a home in Mumbai a reality. Their team helped me get the best rate from HDFC Bank, saving me lakhs in interest. The entire process was digital and hassle-free.”

Loan Amount

₹85 Lakhs

Bank

HDFC Bank

Interest Saved

₹4.2 Lakhs

Approval Time

3 days

More Success Stories

5M+
Happy Customers
₹50K Cr+
Loans Disbursed
98%
Approval Rate
48 Hrs
Avg. Approval Time
Trusted by Millions

India's Most Trusted Financial Platform

0M+
Happy Customers
0+
Partner Banks
₹0+
Crores Saved
0+
Cities Served
0%
Customer Satisfaction
0/7
Support Available
0 Min
Avg Response Time
0%
Secure & Private
Banks Compliant
ISO 27001 Certified
256-bit Encryption
SOC 2 Compliant
Help & Support

Kotak Mahindra Bank Balance Transfer FAQs

Get answers to commonly asked questions about balance transfer

Still have questions? Contact our support team

Start Your Kotak Mahindra Bank Balance Transfer Today

Join thousands of satisfied customers who have saved lakhs by transferring their home loan to Kotak Mahindra Bank. Get started with your balance transfer application now.

Apply for Balance Transfer