Kotak Mahindra Bank Home Loan EMI Calculator — 8.7% Rate
Kotak Mahindra Bank current home loan interest rate: 8.7% p.a.
For a ₹30.00 L loan over 20 years — estimated monthly EMI: ₹26,416
Pre-filled with Kotak Mahindra Bank's current home loan rate. Adjust the sliders to match your actual loan details.
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Monthly EMI
₹26,416
20 yrs · ₹30.00 L loan
💡 Pay ₹2.6K extra/month → save ₹7.87 L interest & close 4 yrs early
Monthly EMI
₹26,416
20 yrs
Total Interest
₹33.40 L
Total Payment
₹63.40 L
About Kotak Mahindra Bank Home Loan
Kotak Mahindra Bank offers home loans starting from 8.7% p.a. as of 2025. The EMI for a ₹30 lakh loan over 20 years at this rate is ₹26,416 per month, with total interest of ₹33.40 L.
Use the calculator above to adjust the loan amount, interest rate, and tenure to match your specific requirements. The amortization schedule shows exactly how much principal and interest you pay each year.