25 Lakh Home Loan Kotak Bank

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Kotak Bank 25 Lakhs Home Loan is available for residential and non-residential purposes. Kotak Bank, one of the most reliable banks in India, is widely known for offering easy repayment options to their customers. A Kotak Bank Home Loan of Rs 25 Lakhs can be conveniently repaid in equal monthly instalments (EMIs) for up to 25 years. Here, you can take a look at the EMI on Kotak Bank 25 Lakhs Home Loans for 10 and 20 years. Moreover, check out the interest rate and loan tenure, as they are the two most significant factors affecting these EMIs.

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Table of Content

1. Kotak Home of 25 Lakhs Highlights

2. Kotak Home Loan of 25 Lakhs EMI for 10 Years

3. Kotak Home Loan of 25 Lakhs EMI for 20 Years

4. Kotak Home Loan of 25 Lakhs Fees and Charges

5. Kotak Home Loan of 25 Lakhs Documents Required

6. Kotak Home Loan of 25 Lakhs Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Kotak Home of 25 Lakhs – Highlights

Here is a quick snapshot of the basic highlights for the Kotak Home Loan for 25 lakhs.

Loan Amount	25 Lakhs
Loan Tenure	Up to 25 years
Loan-to-value Ratio (LTV)	Up to 90% of the property’s value
Interest Rate (p.a)	8.70% onwards

Kotak Home Loan of 25 Lakhs EMI for 10 Years

If you are planning to apply for a Kotak Home Loan of 25 Lakhs, the EMI breakdown for 10 years with an interest rate of 8.70% will be as follows.

Interest Rate	8.70 %
Loan Tenure	10 Years
EMI for 10 Years	Rs. 31,264
Total Interest Payable	Rs.12,51,737
Total Payable Amount	Rs.37,51,737

Kotak Home Loan of 25 Lakhs EMI for 20 Years

If you plan to apply for a Kotak Home Loan of 25 Lakhs, the EMI breakdown for 20 years with an interest rate of 8.70% will be as follows.

Interest Rate	8.70 %
Loan Tenure	20 Years
EMI for 20 Years	Rs. 22,013
Total Interest Payable	Rs.27,83,138
Total Payable Amount	Rs.52,83,138

Kotak Home Loan of 25 Lakhs – Fees and Charges

The fees and charges for a 25 Lakh home loan by Kotak Bank are as follows.

Processing Fee: 0.5% of the loan amount or a fixed non-refundable fee of ₹5,000
Copy of Any Documents: ₹250 plus taxes
Change in Repayment Mode: ₹500 plus taxes
Conversion Fee: 0.5% of the principal outstanding
Rescheduling of Loan Term: ₹500 plus taxes

Kotak Home Loan of 25 Lakhs – Documents Required

Here are the documents required for a Kotak home loan of 25 Lakhs

Proof of Identity: Passport, PAN Card, Voter ID, Driving License
Proof of Residence: Utility Bill, Leave and License Agreement, Passport
Income Proof: Bank Statements (Last 6 months for domestic accounts or 12 months for self-employed), Salary Slips, Latest Form-16
Signature Proof: Proof of Educational Qualifications

Kotak Home Loan of 25 Lakhs – Eligibility Criteria

Here are the eligibility criteria for applying for a 25 Lakh Kotak Home Loan.

Age Criteria: 18 to 60 years of age
Income Requirements: INR 20,000 onwards
Educational Qualification: Bachelor’s degree
Net Income: INR 2,40,000 onwards

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