Kotak Mahindra Bank Home Loan

Get a Kotak Mahindra Bank home loan with interest rates starting from 9.00% p.a. on Bajaj Markets. Enjoy flexible repayment tenures of up to 20 years, making it easier to manage your finances. The maximum loan amount that you can get is ₹50 Lakhs. 

With simple eligibility, minimal paperwork, and low processing fees, this loan is designed to help you fulfil your homeownership dreams efficiently.

Kotak Mahindra Bank offers competitive home loan interest rates with transparent charges to make your borrowing experience smooth. Here’s an overview of the current interest rates and related fees:

*Disclaimer: The above-mentioned rates and charges are subject to change at the lender’s discretion.

Apart from the interest rate, Kotak Mahindra Bank levies certain fees and charges, which are given below:

*Disclaimer: The above-mentioned rates and charges are subject to change at the lender’s discretion. This table has been updated on August 14, 2025.

The criteria you need to fulfil to be eligible for this loan are mentioned below:

• If salaried, you must fall under the age bracket of 18 to 60 years

• If self-employed, you must fall under the age bracket of 18 to 65 years

• If you are a resident of Delhi, Bangalore, Mumbai, Pune, or Chennai, you should have a minimum monthly income of ₹20,000

• If you are employed at a private limited company or a partnership firm, you should be a graduate. This is not applicable to those working in public limited companies, MNCs, government, etc.

• You should have a credit score of 750 or above

Apart from eligibility, submitting the necessary documents is a crucial step towards getting a housing loan. Find the list of essential documents below:

• Complete application form with passport-sized photographs

• KYC documents: Proof of identity and address, like Aadhaar card and PAN card

• Property documents with a sanction map

• Income Proof:

1. For salaried individuals: Salary slips for the last three months, Form 16 of the last 2 years, ITR filings of the last two years, bank statements of the last six months

2. For self-employed individuals: Profit and loss statement of the business for the last three years, bank statement of the business and the individual for the previous 12 months, and ITR filings of the last three years

Kotak Mahindra Bank provides a range of home loan options to suit different needs and financial situations. Here are the main types of home loans available:

• Home Purchase Loan: For buying a new or resale property

• Home Construction Loan: To fund the construction of a new home on owned land

• Home Improvement Loan: For renovating or repairing your existing home

You can apply for this loan on Bajaj Markets easily by going through the following steps:

• Click on the ‘Check Offer’ option on this page

• Fill in the application form with your basic information

• Choose ‘Kotak Mahindra Bank’ from the list of lenders

• Choose the loan amount and property details

• Find out your loan offer along with all the charges and net disbursal amount

• Following this, a representative of the bank will reach out to you for further proceedings.

You can check your home loan application status with Kotak Mahindra Bank using these steps:

1. Visit the official Kotak Mahindra Bank website

2. Browse to the ‘Service Request’ tab and then to the ‘Saving and Current Account’ section

3. Click on ‘Track your application status’

4. Select ‘Home Loan’ from the ‘Select a product’ dropdown menu and select an identifier from the dropdown (Prospect Number, Lead Number, CRN Number, Mobile Number, PAN Number)

5. Enter the identifier details

6. Enter the CAPTCHA code and click on ‘Submit’ to view your application status

You can easily check your Kotak Mahindra Bank home loan statement through online banking or by requesting it via customer service:

Through Net Banking or Mobile Banking:

1. Log in to Kotak Mahindra Bank Net Banking or Mobile Banking

2. Click on the ‘Instalment Loans’ tab

3. Go to the ‘Loans’ tab

4. View or download your statement of account instantly in PDF format

Request via Customer Contact Centre:

1. Call the customer care number 1860 266 2666 

2. Request your home loan statement and provide the following detai

• Beneficiary Name

• Account Type

• Account Number

• Branch Name

• IFSC Code

• Branch Code

3. Pay the applicable fee of ₹250 + GST

4. Receive your statement within one working day after payment confirmation

For any assistance with your Kotak Mahindra Bank home loan, you can reach out to their dedicated customer support team.

Registered Office:

27 BKC, C 27, G Block,
Bandra Kurla Complex,
Bandra (E), Mumbai - 400051

Customer Care Number:

1860 266 2666

Kotak Mahindra Bank offers flexible repayment options to make it easy for you to repay your home loan. You can choose a method that best fits your convenience and financial planning.

• Equated Monthly Instalments (EMIs): Fixed monthly payments through auto-debit or standing instructions.

• Online Payments: Pay via net banking or mobile banking

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.