Lenders3 min read · Updated 17 October 2026
Kotak home loan interest rate: range, fees and how to get the lowest
Kotak home loan rates from 7.60%, with the fees we found, what the range costs on a ₹50 lakh loan and how to get a rate near the bottom of it.
Kotak home loan rate and fee
Here is what we found for Kotak. The figures come from a comparison site and are checked against the lender's page where it shows them. They are starting points, not offers.
| Kotak | Listed figure |
|---|---|
| Home loan interest rate | from 7.60% |
| Processing fee | Up to 2% (nil online) |
| Lender type | Private banks |
| Source | A comparison site, checked against the lender where it publishes |
| Checked on | 17 October 2026 |
The starting 7.60% matches Kotak's own page. The bank does not publish the upper end there.
Other options listed
- Fixed option 12.00%
What the range means for a ₹50 lakh loan
On ₹50 lakh over 20 years, the EMI at 7.60% is about ₹40,586, and total interest is about ₹47,40,627. Every extra 1 point of rate adds about ₹7,49,327 of interest. Try your own loan in the EMI calculator.
How to get a lower rate at Kotak
- Know your credit score first. A score of 750 or more usually gets you the lowest part of the range. See what score gets the best rate.
- Ask for the rate in writing with the rate type, the spread over the benchmark and the reset date.
- Compare the processing fee as well as the rate. A lower rate with a high fee can cost more over a short stay.
- Ask for a lower rate after you take the loan. If your credit profile improves, a letter to your lender can work. See how to reduce your interest.
Other lenders to compare with Kotak
These lenders list the lowest starting rates in our table today. This is a starting list for comparison, not a ranking of who is best for you.
- Bank of Baroda: 7.20% to 8.95%
- Bank of Maharashtra: 7.25% to 9.90%
- Bank of India: 7.35% to 10.25%
See all lenders in Home loan rates by lender, then check your own case in Am I overpaying?. If you already have a loan, read when a balance transfer is worth it.
Common questions
What is the Kotak home loan interest rate?
Kotak lists from 7.60% as of 17 October 2026. The rate you get depends on your credit score, income, loan amount and property.
What is the Kotak processing fee on a home loan?
We found: Up to 2% (nil online). Check the current fee on the lender's page and in your Key Fact Statement, because fees change and offers vary.
Can I move my home loan to Kotak?
Yes, through a balance transfer. Floating-rate home loans to individuals have no prepayment charge, so the main costs are the new lender's processing fee and legal fees. Count them before you move.
Why is the rate I was offered different from the advertised one?
The advertised rate is usually the lowest rate for the best credit profile. Your rate depends on your score, income, loan size and property, so it is often higher.