Kotak home loan EMI calculator
This calculator starts at Kotak's lowest published rate of 7.6%, so the first EMI you see is the best case. No upper limit is published, so treat 7.6% as the best case. The processing fee is Up to 2% of principal + GST (nil for online applications), and the longest tenure is 30 years. Your own rate depends on your credit score, income, loan amount and property type. It can be higher than the starting rate. A longer tenure lowers the EMI but raises the total interest, so try a few combinations below. The table shows the monthly EMI at 7.6% for common loan amounts and tenures. We collected these figures from public sources on 2026-10-26. Banks change rates often, so confirm with Kotak before you apply. If you already pay a floating rate with Kotak or another lender, our guide on lowering your rate lists your options.
Indicative, updated 2026-10-26. Source
₹50 L
- Principal amount
- Total interest
- Monthly EMI
- ₹40,586
- Principal amount
- ₹50,00,000
- Total interest
- ₹47,40,627
- Total amount
- ₹97,40,627
You'll pay ₹47.41 L interest on a ₹50 L loan.
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Worth knowing
Interest vs loan
You repay 0.95× your loan in interest alone.
When it tips
From year 12, more of each EMI repays the loan than pays interest.
One extra EMI a year
Pay one extra EMI each year to save ₹8.22 L and finish 3 years sooner.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹25 L | ₹29,806 | ₹23,318 | ₹20,293 | ₹18,638 | ₹17,652 |
| ₹50 L | ₹59,612 | ₹46,635 | ₹40,586 | ₹37,275 | ₹35,304 |
| ₹75 L | ₹89,418 | ₹69,953 | ₹60,879 | ₹55,913 | ₹52,956 |
| ₹1 Cr | ₹1,19,224 | ₹93,270 | ₹81,172 | ₹74,551 | ₹70,607 |
Common questions
- What is the Kotak home loan interest rate?
- Kotak home loan rates start at 7.6%. No upper limit is published, so treat 7.6% as the best case. Your rate depends on your credit score, loan size and income.
- What is the Kotak processing fee?
- The published fee is Up to 2% of principal + GST (nil for online applications). Fees and taxes change, so ask Kotak for the current figure before you apply.
- What is the longest home loan tenure at Kotak?
- Up to 30 years, subject to your age and the bank's policy. A longer tenure gives a lower EMI but more total interest.
- Will I get the starting rate?
- Not always. The starting rate usually goes to borrowers with a strong credit score and stable income. Use the calculator to test a higher rate and see how the EMI changes.