HDFC vs Kotak Loan Against Property, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on HDFC Bank and Kotak Mahindra Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
HDFC vs Kotak — Loan Against Property Comparison
Key parameters compared side by side.
| Parameter | HDFC | Kotak |
|---|---|---|
| Interest Rate (p.a.) | 9% – 11% | 9.25% – 12% |
| Processing Fee | 1.00% (max Rs 75,000) | 1.00% (max Rs 50,000) |
| Max Loan Amount | Rs 10 Cr | Rs 5 Cr |
| Max Tenure | 20 Years | 18 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1994 | 1985 |
| Headquarters | Mumbai | Mumbai |
Interest Rate (p.a.)
HDFC
9% – 11%
Kotak
9.25% – 12%
Lower/better: HDFC
Processing Fee
HDFC
1.00% (max Rs 75,000)
Kotak
1.00% (max Rs 50,000)
Max Loan Amount
HDFC
Rs 10 Cr
Kotak
Rs 5 Cr
Lower/better: HDFC
Max Tenure
HDFC
20 Years
Kotak
18 Years
Lower/better: HDFC
Bank Type
HDFC
Private Sector
Kotak
Private Sector
Founded
HDFC
1994
Kotak
1985
Headquarters
HDFC
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.
HDFC
Kotak
Savings: Choosing HDFC saves you approximately ₹448 per month, or ₹80,640 in total interest over the loan tenure.
Feature Comparison
Key features offered by HDFC and Kotak for loan against property.
| Feature | HDFC | Kotak |
|---|---|---|
| Up to 70% LTV for residential | ||
| Overdraft & term loan options | ||
| Special rates for professionals | ||
| Balance transfer accepted | ||
| Up to 65% LTV | ||
| Flexi OD available | ||
| Quick valuation turnaround | ||
| Balance transfer + top-up |
Up to 70% LTV for residential
Overdraft & term loan options
Special rates for professionals
Balance transfer accepted
Up to 65% LTV
Flexi OD available
Quick valuation turnaround
Balance transfer + top-up
Which Is Better — HDFC or Kotak?
It depends on your priorities. Here is a quick guide.
Choose HDFC If...
- Lower starting interest rate (9% vs 9.25%)
- Higher max loan amount (Rs 10 Cr vs 5 Cr)
- Longer max tenure (20 yrs vs 18 yrs)
- Lower maximum rate (11% 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.
HDFC 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 HDFC vs Kotak loan against property.
Which bank has a lower loan against property interest rate in 2026 — HDFC or Kotak?
HDFC currently offers a lower starting rate of 9% 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 HDFC vs Kotak?
HDFC offers a higher maximum loan amount of up to Rs 10 Cr. HDFC offers up to Rs 10 Cr while Kotak offers up to Rs 5 Cr for loan against property.
Which bank charges a lower processing fee for loan against property — HDFC or Kotak?
HDFC charges a processing fee of 1.00% (max Rs 75,000), 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 HDFC or Kotak for loan against property in 2026?
The best choice depends on your specific needs. HDFC offers rates from 9%–11% 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 HDFC and Kotak?
Yes. Money Matrix Hub is an authorised DSA partner for both HDFC 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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