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KOTAK Bank Home Loan

KOTAK Bank Home Loan

Established in 1985 Kotak Mahindra Bank offers a wide range financial services. Previously recognised as Kotak Mahindra Finance Limited it was then a non-banking financial organisation. It was then allowed to conduct banking business in 2003 by RBI (Reserve Bank of India). The bank has then been flourishing with growing business. It has now more than 500 branches and over 1000 operating ATMs across cities. They offer a seamless experience for home loans that are accompanied by some unmatched features and services.

KOTAK BANK Home Loan Fees and Interest Charges

Interest Rate : 9.55% to 14.5%

Processing Fees : 0

Loan Tenure : 20 YEARS

Guarantor  : NOT REQUIRED

Pre-closure Charges :  NIL

Check the factors first

EMI you are eligible up to 50 % of income.

Finances 90 % of project value

Any other EMI can lower down your eligibility

Know if you’re eligible for the loan

Minimum entry age: 18 years

Maximum age: 65 years

Income: Salaried & self employed

Why don’t you increase your loan eligibility?

Add Co applicant as your spouse her income can also be added to increase your eligibility

Choose longer tenure for eligibility maximisation.

Add your parent also as co applicant and increase your eligibility

What are the documents needed?


1. Application form with photograph duly signed

2. Processing fees

3. Latest  6 months Statement of bank account

4. ID Proof with Photo

5.Address Proof with Photo

6. Documents required for self employed

  • Proof of business existence
  • Last 3 years Income tax returns with computation of income
  • Last 3 years balance sheet and Profit /loss statement duly certified by CA

7. Documents for salaried

  • Income Tax statement or Form 16
  • salary slip of latest three month