Kotak Mahindra Bank loan rates 2026.
Reviewed by Jay Patel· Last reviewed:
A leading private sector bank known for innovation in banking and lending products. Kotak's 811 Dream Home Loan offers competitive rates with digital-first processing.
Kotak Loan Products & Interest Rates
Published Kotak Mahindra Bank loan products and rate information. Snapshot updated April 2026; confirm current terms with the lender.
Kotak Home Loan
Purchase a home with indicative lender rates and terms.
Kotak Business Loan
Fuel your business growth with unsecured and secured business loans.
Kotak Loan Against Property
Borrow against your property at lower rates than unsecured credit.
Kotak Balance Transfer
Assess whether switching your existing loan could reduce interest costs.
Kotak Loan Rates at a Glance
Quick comparison across all loan products.
| Loan Product | Rate (p.a.) | Max Amount |
|---|---|---|
| Home Loan | 8.45% – 9.4% | Rs 5 Cr |
| Business Loan | 11.5% – 16% | Rs 2 Cr |
| Loan Against Property | 9.25% – 12% | Rs 5 Cr |
| Balance Transfer | 8.45% – 9.25% | Rs 5 Cr |
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
How to Compare Kotak Loan Options
Use the published rate data as a starting point, then confirm the lender's current terms and eligibility.
Published Rate Snapshot
Review Kotak's listed rate ranges, fees, and product features before requesting a lender-specific quote.
Check Charges
Processing, advisory, valuation, and other charges can vary. Check the lender's disclosures and any separate service terms.
Lender-Controlled Decision
The lender assesses documents, approves or declines the application, sets the final terms, and controls disbursal timing.
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