Kotak vs Bandhan Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed:
A ledger-columns read on Kotak Mahindra Bank and Bandhan Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
Kotak vs Bandhan — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | Kotak | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 9.25% – 12% | 9.5% – 12% |
| Processing Fee | 1.00% (max Rs 50,000) | 1.50% (max Rs 50,000) |
| Max Loan Amount | Rs 5 Cr | Rs 3 Cr |
| Max Tenure | 18 Years | 15 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1985 | 2015 |
| Headquarters | Mumbai | Kolkata |
Interest Rate (p.a.)
Kotak
9.25% – 12%
Bandhan
9.5% – 12%
Lower/better: Kotak
Processing Fee
Kotak
1.00% (max Rs 50,000)
Bandhan
1.50% (max Rs 50,000)
Max Loan Amount
Kotak
Rs 5 Cr
Bandhan
Rs 3 Cr
Lower/better: Kotak
Max Tenure
Kotak
18 Years
Bandhan
15 Years
Lower/better: Kotak
Bank Type
Kotak
Private Sector
Bandhan
Private Sector
Founded
Kotak
1985
Bandhan
2015
Headquarters
Kotak
Mumbai
Bandhan
Kolkata
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 30 Lakh LAP for 15 years at each bank's listed starting rate.
Kotak
Bandhan
Savings: Choosing Kotak saves you approximately ₹451 per month, or ₹81,180 in total interest over the loan tenure.
Feature Comparison
Key features offered by Kotak and Bandhan for loan against property.
| Feature | Kotak | Bandhan |
|---|---|---|
| Up to 65% LTV | ||
| Flexi OD available | ||
| Quick valuation turnaround | ||
| Balance transfer + top-up | ||
| Up to 60% LTV | ||
| Quick processing | ||
| Semi-urban property accepted | ||
| Flexible documentation |
Up to 65% LTV
Flexi OD available
Quick valuation turnaround
Balance transfer + top-up
Up to 60% LTV
Quick processing
Semi-urban property accepted
Flexible documentation
Which Is Better — Kotak or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose Kotak If...
- Lower starting interest rate (9.25% vs 9.5%)
- Higher max loan amount (Rs 5 Cr vs 3 Cr)
- Longer max tenure (18 yrs vs 15 yrs)
Choose Bandhan If...
- Trusted brand with strong loan against property offerings
Need context for this comparison? Contact Money Matrix Hub to discuss the displayed lender information. Any service terms and lender decisions should be confirmed before proceeding.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
Kotak Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Bandhan Eligibility
- Property must be free from encumbrance
- CIBIL score: 700+ preferred
- Salaried or self-employed applicants
- Min income: Rs 30,000 per month
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about Kotak vs Bandhan loan against property.
Which bank has a lower loan against property interest rate in 2026 — Kotak or Bandhan?
Kotak currently shows a lower published starting rate of 9.25% p.a. for loan against property. However, the actual rate you receive depends on lender eligibility, current documentation, credit score, income, and loan amount. Money Matrix Hub can help you compare available lender information from both banks.
What is the maximum loan against property amount I can get from Kotak vs Bandhan?
Kotak offers a higher maximum loan amount of up to Rs 5 Cr. Kotak offers up to Rs 5 Cr while Bandhan offers up to Rs 3 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — Kotak or Bandhan?
Kotak lists a processing fee of 1.00% (max Rs 50,000), while Bandhan lists 1.50% (max Rs 50,000). Fees and waivers can depend on lender policy and borrower eligibility, so confirm the current Key Fact Statement before accepting an offer.
Should I choose Kotak or Bandhan for loan against property in 2026?
The best choice depends on your specific needs. Kotak offers rates from 9.25%–12% with a max tenure of 18 years, while Bandhan offers 9.5%–12% with 15 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a loan against property from both Kotak and Bandhan?
Money Matrix Hub can help you compare available lender information for Kotak and Bandhan. Any application, credit enquiry, offer, sanction decision, lender fee, and borrower charge are subject to the relevant lender's current policy and documentation.
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