Axis vs Kotak Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Axis Bank and Kotak Mahindra Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
Axis vs Kotak — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | Axis | Kotak |
|---|---|---|
| Interest Rate (p.a.) | 9.25% – 11.75% | 9.25% – 12% |
| Processing Fee | 1.00% (max Rs 50,000) | 1.00% (max Rs 50,000) |
| Max Loan Amount | Rs 5 Cr | Rs 5 Cr |
| Max Tenure | 20 Years | 18 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1993 | 1985 |
| Headquarters | Mumbai | Mumbai |
Interest Rate (p.a.)
Axis
9.25% – 11.75%
Kotak
9.25% – 12%
Processing Fee
Axis
1.00% (max Rs 50,000)
Kotak
1.00% (max Rs 50,000)
Max Loan Amount
Axis
Rs 5 Cr
Kotak
Rs 5 Cr
Max Tenure
Axis
20 Years
Kotak
18 Years
Lower/better: Axis
Bank Type
Axis
Private Sector
Kotak
Private Sector
Founded
Axis
1993
Kotak
1985
Headquarters
Axis
Mumbai
Kotak
Mumbai
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 lowest rate.
Axis
Kotak
Feature Comparison
Key features offered by Axis and Kotak for loan against property.
| Feature | Axis | Kotak |
|---|---|---|
| Up to 60% LTV | ||
| Term loan & OD options | ||
| Self-employed special scheme | ||
| Quick processing track | ||
| Up to 65% LTV | ||
| Flexi OD available | ||
| Quick valuation turnaround | ||
| Balance transfer + top-up |
Up to 60% LTV
Term loan & OD options
Self-employed special scheme
Quick processing track
Up to 65% LTV
Flexi OD available
Quick valuation turnaround
Balance transfer + top-up
Which Is Better — Axis or Kotak?
It depends on your priorities. Here is a quick guide.
Choose Axis If...
- Longer max tenure (20 yrs vs 18 yrs)
- Lower maximum rate (11.75% vs 12%)
Choose Kotak If...
- Trusted brand with strong loan against property offerings
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for loan against property at both banks.
Axis 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.
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.
Frequently Asked Questions
Common questions about Axis vs Kotak loan against property.
Which bank has a lower loan against property interest rate in 2026 — Axis or Kotak?
Axis currently offers a lower starting rate of 9.25% p.a. for loan against property. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum loan against property amount I can get from Axis vs Kotak?
Axis offers a higher maximum loan amount of up to Rs 5 Cr. Axis offers up to Rs 5 Cr while Kotak offers up to Rs 5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — Axis or Kotak?
Axis charges a processing fee of 1.00% (max Rs 50,000), while Kotak charges 1.00% (max Rs 50,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose Axis or Kotak for loan against property in 2026?
The best choice depends on your specific needs. Axis offers rates from 9.25%–11.75% with a max tenure of 20 years, while Kotak offers 9.25%–12% with 18 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 Axis and Kotak?
Yes. Money Matrix Hub is an authorised DSA partner for both Axis and Kotak. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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