Kotak Mahindra Bank EMI Calculator

Kotak offers digital loan journeys with competitive rates and doorstep service.

Calculate your EMI

Loan Amount₹20,00,000

₹1L₹1,00,00,000

Interest Rate8.75% p.a.

6%24%

Tenure20 yrs

1 yr30 yrs

Monthly EMI₹17,674

Principal₹20,00,000

Total Interest₹22,41,811

Total Payment₹42,41,811

Kotak Mahindra Bank Rates 2025

🏠 Home Loan	8.75% p.a.	Up to 20 yrs
🚗 Car Loan	8.99% p.a.	Up to 7 yrs
👤 Personal Loan	10.99% p.a.	Up to 5 yrs

Compare banks

SBI8.50%HDFC Bank8.75%ICICI Bank8.75%Axis Bank8.75%Bank of Baroda8.40%

How to calculate Kotak Mahindra Bank EMI?

Use the formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1) where P is the loan amount, r is the monthly interest rate, and n is the number of months. For a ₹20,00,000 home loan from Kotak Mahindra Bank at 8.75% for 240 months, your EMI is ₹17,674.

Kotak Mahindra Bank Home Loan EMI table (common amounts)

Loan Amount	10 Years	20 Years	30 Years
₹10,00,000	₹12,533	₹8,837	₹7,867
₹20,00,000	₹25,065	₹17,674	₹15,734
₹30,00,000	₹37,598	₹26,511	₹23,601
₹50,00,000	₹62,663	₹44,186	₹39,335
₹1,00,00,000	₹1,25,327	₹88,371	₹78,670