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Experience the all-new Kotak Netbanking Lite
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Own the home you have been planning sooner with Kotak Home Loan, built to help you inch closer to your dream house. Competitive interest rates starting @7.70%* p.a., fund up to 90% of your property value.
Whether it’s a first purchase, a home upgrade, or a smart loan transfer, owning your dream home is closer with Kotak Mahindra Bank. Enjoy longer flexible tenures, minimal documentation, and freedom from prepayment charges.
Salaried, self-employed, entrepreneur—our home loans are designed to adapt to your reality.
Are You Eligible?
Kotak Home Loans is designed to keep the process simple and transparent. Find out if you meet the eligibility criteria.
Fresh Home Loan
Ready to own your first home? Finance ready-to-move-in or under construction properties with up to 90% funding and flexible tenures.
Home Extension/Renovation Loan
Expanding or renovating your space? Kotak Extension Loan is a fitting financial aid for your needs.
Pre-Approved Home Loan
Home Loan Balance Transfer
With LTV ratios up to 90%, switching home loans has never been easier or more rewarding. Transfer yours to Kotak and reduce your monthly EMI for better savings.
Home Loan Overdraft
Need financial flexibility beyond standard home loan? Withdraw and repay funds against your sanctioned limit. Pay interest only on what you use.
Kotak Vishwas Home Loan
Looking for an affordable home loan that fits your budget? Kotak’s Vishwas Home Loan is designed to make home ownership simple and stress-free.
Fill in your personal and financial details and submit the application form.
Share all required documents with your Relationship Manager for loan sanction.
The bank assesses your application and once your loan is sanctioned, share your property documents for legal and technical verification.
Post positive property inspection, the loan amount is disbursed.
Research Thoroughly
Maintain a Good Credit Score
Plan for Unexpected Costs
Avoid Multiple Applications Simultaneously
Applying to multiple lenders at once can negatively impact your credit score. Focus on one or two applications after thorough research.
Keep Documents Organised
Prepare all required documents in advance to speed up the approval process. Ensure documents are current and valid.
Manage Existing Debts Carefully
Kotak Mahindra Bank team was very helpful throughout my Home Loan Process. Their support, responsiveness, and clarity made a significant difference. Truly appreciate the smooth experience.
Reviewed on 12/08/2025
Kotak Relationship Manager was very helpful with the loan foreclosure process. The guidance made things much easier and I really appreciate the support and dedication.
Reviewed on 12/08/2025
From the first interaction to the final settlement, the experience was seamless. The guidance was prompt, professional, and made the entire home loan closure process effortless. Kudos to Kotak Mahindra Bank Home Loan Team!
Reviewed on 12/08/2025
We were initially considering closing our limits, but the proactive approach and customer-first attitude of our Kotak Relationship Manager changed our decision. All my pending queries were resolved patiently by the Home Loan team. Happy to continue my Home Loan with Kotak Mahindra Bank.
Reviewed on 12/08/2025
Disclaimer (Things you should know):
For loans: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.
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By clicking on the hyper-link, you will be leaving www.kotak.bank.in and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.bank.in and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.bank.in and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.bank.in and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.bank.in and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.