Home Loan
Get a hassle-free home loan with competitive interest rate.
Own your dream home with Kotak Home Loans
Balance Transfer
Transfer your existing home loan to Kotak Mahindra Bank.
Top-Up Loan
Apply for a top-up loan on your existing Kotak Home Loan.
Request a call back 
Provide your contact details and our representative will call you back.
Get much more than a home loan
With a Kotak Home Loan, you get solid, stable support combined with the experience and expertise of one of India’s largest private banks.
Some frequently asked questions
You can borrow up to 90% (upto 80% for original loan between Rs. 20-75 Lacs, & 75% for original loan above Rs. 75 Lacs) of the cost of the property in case of Home Loan Balance Transfer. However in case of Commercial Loans against Property or Loans against an existing property you can borrow up to 60% of the cost of the property. The Home Loan Balance Transfer Amount shall, however, be restricted to the Outstanding Balance of Loan with the existing financer.
Yes, Prepayment is allowed on Home Loan.
Prepayment / foreclosure is allowed on Home Loan without any charges.
Co-Borrower can be spouse, parents or brother or son, but income of co-borrower is consider as per home loan policy of Kotak Mahindra bank.
There is no capping of upper limit of number of co-borrower, however minimum one co-borrower is required. Note: Member who all are party to agreement must have to come up as o borrower / co-borrower.