✓ Authorised DSA Partner
Home Loan
Kotak Mahindra Bank Home Loan
Kotak Mahindra Bank offers competitive home loans with attractive interest rates starting at 7.70% p.a., flexible tenure up to 25 years, and a strong digital ecosystem for fast approvals.
7.70%–9.75%
Interest Rate (p.a.)
₹10L – ₹40Cr
Loan Amount
Up to 25 Years
Max Tenure
Up to 2% + GST
Processing Fee
NIL
Prepayment (Floating Rate)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 Home Loan
7.70% – 9.75%
₹10L – ₹40Cr
Up to 1% + GST
Up to 25 Years
NIL
🏗️ Under Construction Home Loan
7.70% – 9.75%
₹10L – ₹10Cr
Up to 1% + GST
Up to 25 Years
NIL
🔑 Balance Transfer
7.70% Onward
₹10L – ₹10Cr
Up to 1% + GST
Residual Tenure
NIL
🏘️ Affordable Housing
7.70% – 9.25%
Up to ₹50L+
Lower Fee
Up to 25 Years
NIL
📑 Required Property Documents – Home Loan
Sale Agreement / Agreement to Sell
Title Deed / Sale Deed (chain of ownership)
Approved Building Plan from Authority
NOC from Builder / Housing Society
Property Tax Receipts (latest)
Occupancy Certificate (for ready property)
Encumbrance Certificate (last 13 years)
Allotment Letter (for under-construction)
Loan Against Property
Kotak Mahindra Bank LAP
Unlock the equity in your property with Kotak Mahindra Bank’s Loan Against Property — competitive rates from 9.50%, high LTV up to 65–70% and flexible end-use.
9.50%–12.50%
Interest Rate (p.a.)
₹25L – ₹5Cr
Loan Amount
Up to 15 Years
Tenure
Up to 1%–2% + GST
Processing Fee
Up to 65–70%
Max LTV
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 Residential LAP
9.50% – 12.50%
₹25L – ₹5Cr
Up to 1.5% + GST
Up to 15 Years
NIL
🏬 Commercial LAP
~9.75% – 12.75%
₹25L – ₹5Cr
Up to 1.5% + GST
Up to 15 Years
NIL
🔄 LAP Balance Transfer
9.50% Onward
As per valuation
Up to 1.5% + GST
Residual Tenure
NIL
📑 Required Property Documents – Loan Against Property
Ownership Proof (Sale Deed / Title Deed)
Property Valuation Report from Bank’s Empanelled Valuer
Chain of Documents (all prior sale deeds)
Encumbrance Certificate
Property Tax Receipts (latest)
Approved Building Plan / Layout Plan
NOC from Society / RWA (if applicable)
Rent Agreement (if rental income property)
Personal Loan
Kotak Mahindra Bank Personal Loan
Get instant personal loans up to ₹1 Cr with Kotak Mahindra Bank. Pre-approved offers, minimal documentation, and fast disbursal for selected customers.
10.99%–16.99%
Interest Rate (p.a.)
Up to ₹1 Cr
Loan Amount
Up to 72 Months
Max Tenure
Up to 3% + GST
Processing Fee
Instant
Approval (Selected Users)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
👔 Salaried Personal Loan
10.99% – 16.99%
₹50K – ₹40L
Up to 3% + GST
12–72 Months
3–5%
💼 Self-Employed Personal Loan
~11.50% – 17%
₹50K – ₹40L
Up to 3% + GST
12–60 Months
3–5%
⚡ Pre-approved Personal Loan
10.99% Onward
Up to ₹40L
Low/Nil
Up to 72 Months
3%
Business Loan
Kotak Mahindra Bank Business Loan
Fuel your business growth with Kotak Mahindra Bank’s unsecured business loans. Quick approvals in 2–5 days with minimal documentation for businesses with 2+ years vintage.
11%–20%
Interest Rate (p.a.)
₹3L – ₹1Cr+
Loan Amount
Up to 60 Months
Max Tenure
Up to 2% + GST
Processing Fee
2–5 Days
Approval Time
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
🏢 Unsecured Business Loan
11% – 20%
₹3L – ₹75L
Up to 2% + GST
12–60 Months
4–5%
🔄 Overdraft / Cash Credit (OD/CC)
~10% – 16%
₹5L – ₹1Cr
Up to 2% + GST
Flexible
Flexible
⚡ Pre-approved Business Loan
~11% – 18%
₹5L – ₹75L
Low
Up to 60 Months
Varies
Loan Against Securities
Kotak Mahindra Bank Loan Against Securities
Leverage your investment portfolio with Kotak Mahindra Bank’s Loan Against Securities. Get liquidity against mutual funds, shares, bonds, and insurance policies without liquidating your investments.
9.25%–11.50%
Interest Rate (p.a.)
₹1L – ₹20Cr
Loan Amount
12 Months
Tenure (Renewable)
Up to 70–80%
Max LTV
NIL / Minimal
Charges
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
📊 Against Mutual Funds
9.50% – 11.50%
₹1L – ₹20Cr
0.5%–1%
12 Months
NIL
📈 Against Shares
9.50% – 11.50%
₹1L – ₹20Cr
0.5%–1%
12 Months
NIL
🏦 Against Bonds / Insurance
~9.25% – 11%
₹1L – ₹5Cr+
Minimal
Flexible
NIL
Eligibility Criteria
Who Can Apply?
Select your loan type to view the relevant eligibility requirements.
🏠 Home Loan
Eligibility – Kotak Mahindra Bank Home Loan
- Salaried or Self-Employed Indian Resident / NRI
- Age: 18–70 years (loan must close before age 70)
- Min. income: ~₹25,000/month (salaried)
- Min. CIBIL Score: 700+
- Employment: Min. 2 years (3 years for SEP/business)
- Property in Kotak-approved locations / jurisdictions
- Approval Time: 3–5 working days
🏢 Loan Against Property
Eligibility – Kotak Mahindra Bank LAP
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ~₹30,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial (LTV up to 65–70%)
👤 Personal Loan
Eligibility – Kotak Mahindra Bank Personal Loan
- Salaried employees of reputed companies
- Self-employed professionals and business owners
- Min. salary: ~₹25,000/month (net)
- Min. CIBIL Score: 720+
- Age: 21–58 years (salaried); 21–65 years (self-employed)
- Min. 1 year employment / 2 years business continuity
💼 Business Loan
Eligibility – Kotak Mahindra Bank Business Loan
- Proprietorship, Partnership, Pvt. Ltd., or LLP
- Business vintage: Minimum 2–3 years
- Min. annual turnover as per bank norms
- CIBIL Score: 700+
- Age: Proprietor/Director 21–65 years
- ITR filing required for last 2 years
📈 Loan Against Securities
Eligibility – Kotak Mahindra Bank Loan Against Securities
- Individual investors with Demat holdings
- Eligible securities: Mutual Funds, Listed Shares, Bonds, Insurance Policies
- Min. portfolio value as per bank’s approved list
- CIBIL Score: 700+
- Age: 18–70 years
- Demat account with Kotak or other approved depositories
Why Kotak Mahindra Bank
Key Benefits
Unmatched advantages that make Kotak Mahindra Bank a top choice for home, property, personal, and investment-backed loans across India.
India’s Leading Private Bank
One of India’s most trusted private sector banks with a robust balance sheet and decades of financial excellence.
Superior Digital Ecosystem
Industry-leading digital infrastructure with pre-approved loans, instant online processing and e-sign capabilities.
Competitive Loan Rates
Home loan rates starting at 7.70% p.a. and a wide range of products across secured and unsecured loan categories.
Transparent Pricing
No hidden charges. All fees disclosed upfront — processing, legal, and valuation are clearly stated at sanction.
Strong LAS Offering
Market-leading Loan Against Securities product with high LTV up to 80% against mutual funds and listed shares.
Pre-approved Offers
Good digital ecosystem with pre-approved loan offers for existing Kotak customers enabling instant disbursal.
Why Apply Through Us
Your Advantage with Us
We’re an authorised Kotak Mahindra Bank DSA partner — not a random aggregator. Here’s what you get.
Zero Cost Service
Our consultation, eligibility check, documentation support and follow-up is completely free of charge.
Complete Property Check
We verify legal paperwork, missing approvals, builder track record and hidden market value before you commit.
Direct Bank Access
Skip the queue — our direct bank relationship means faster processing and access to special rate offers.
Multi-Bank Comparison
We compare across 20+ lenders so you always land the best rate, not just Kotak’s standard offer.
End-to-End Support
From application to disbursal and even post-loan queries — one point of contact for everything.
Data Privacy
Your documents and personal data are handled with bank-level confidentiality. Never shared without consent.
Apply Now
Get Your Free Consultation
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- ✓ Free eligibility check in 2 minutes
- ✓ Zero documentation hassle
- ✓ Best rate negotiation on your behalf
- ✓ No hidden charges, ever
- ✓ Callback within 30 minutes
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⚠️ Important Disclaimer
We are an authorised DSA (Direct Selling Agent) partner of Kotak Mahindra Bank and other lenders. We are not a direct lender and do not disburse loans ourselves. Our service is a free facilitation service to assist borrowers with their loan applications. Final loan approval, interest rates, loan amount, tenure, terms and conditions are solely at the discretion of the respective bank or NBFC.
Interest rates, processing fees and eligibility criteria shown are indicative and subject to change at the time of sanction based on your credit profile, income, applicable RBI guidelines, and Kotak Mahindra Bank’s internal credit policy. All loan applications are subject to Kotak Mahindra Bank’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing.
Common Questions
Frequently Asked Questions
Kotak Mahindra Bank generally requires a minimum CIBIL score of 700 for home loans and LAP, and 720+ for personal loans. A score of 750+ improves your chances of getting the lowest interest rate. If your score is below the threshold, we can guide you on improving it before applying.
Kotak Mahindra Bank typically approves home loans within 3–5 working days for complete applications. With our DSA assistance, we ensure all documents are in order to avoid delays — often getting approvals faster for eligible applicants with a strong digital profile.
Yes. Kotak Mahindra Bank offers an Under Construction Home Loan. The loan is disbursed in tranches linked to construction stages. Interest is payable only on the disbursed amount during construction (Pre-EMI), and full EMIs begin after final disbursement.
A Loan Against Securities lets you borrow money by pledging your investments — mutual funds, shares, bonds, or insurance policies — as collateral. You retain ownership of your investments and can continue earning returns. Kotak offers LAS up to ₹20 Cr with LTV up to 80% against eligible securities. Demat holdings are required.
No. As per RBI guidelines, there is no prepayment penalty on floating rate home loans from Kotak Mahindra Bank. Home loans are primarily offered on floating rates, so prepayment and part-payment are completely free at any time during the loan tenure.
For salaried applicants: PAN, Aadhaar, last 3 months’ salary slips, last 6 months’ bank statements, and Form 16. For self-employed: PAN, Aadhaar, last 2 years’ ITR, bank statements, and business proof. Additionally, property documents including sale deed, approved building plan, and encumbrance certificate are required.
Kotak Mahindra Bank offers LTV (Loan-to-Value) of up to 65% for commercial properties and up to 70% for residential properties under LAP. The exact LTV depends on the property valuation, location, and your credit profile. The property must have a clear title and be free of any encumbrances.
Absolutely not. Our service is 100% free for borrowers. We earn a referral fee from the bank — not from you. There is no consultation charge, documentation charge, or any other fee from our side. You only pay the bank’s standard processing fee which is the same whether you apply directly or through us.