Kotak Mahindra Bank
Let's Make Money Simple
Headquarters: Mumbai, Maharashtra
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from Kotak Bank's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| Kotak Mahindra Bank Home Loan | 7.99% p.a. | 7.99% – 9.10% | Kotak EBLR | Calculate EMI→ |
| Kotak Personal Loan | 10.99% p.a. | 10.99% – 24.00% | Card Rate | Calculate EMI→ |
| Kotak Prime Car Loan | 8.70% p.a. | 8.70% – 12.00% | Card Rate | Calculate EMI→ |
| Kotak Gold Loan | 9.00% p.a. | 9.00% – 16.00% | Card Rate | Calculate EMI→ |
| Kotak Bank Fixed Deposit (3 Years) | 7.10% p.a. | 7.10% – 7.60% | Card Rate | Calculate EMI→ |
| Kotak Bank Recurring Deposit (3 Years) | 7.10% p.a. | 7.10% – 7.60% | Card Rate | Calculate EMI→ |
Kotak Bank Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified Kotak Bank rates
Kotak Bank Home Loan EMI Calculator
Calculate your home loan EMI with Kotak Mahindra Bank using their verified official starting interest rate of 7.99% p.a.
Kotak Personal Loan EMI Calculator
Estimate monthly EMIs on Kotak personal loans for salaried individuals starting from 10.99% p.a.
Kotak Car Loan EMI Calculator
Calculate monthly EMIs for buying a new car with Kotak Prime vehicle financing starting at 8.70% p.a.
Kotak Gold Loan Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Kotak Mahindra Bank.
Kotak Bank FD Calculator
Calculate your fixed deposit interest returns with Kotak Mahindra Bank using official published interest rates.
Kotak Bank RD Calculator
Calculate your monthly deposit returns with Kotak Mahindra Bank Recurring Deposits.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for Kotak Mahindra Bank
7.99% p.a.
7.99% – 9.10% p.a.
floating RateKotak EBLR
Applicable Conditions & Eligibility Factors:
- Lowest rate starting at 7.99% for CIBIL 750+ borrowers
- Digital application via Kotak 811
Source: Kotak Bank Home Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.10.99% p.a.
10.99% – 24.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Digital sanction workflow with minimal paperwork
- Instant credit for Kotak 811 account holders
Source: Kotak Personal Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.70% p.a.
8.70% – 12.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Financing up to 90% of on-road price
- Tenure up to 7 years
Source: Kotak Vehicle Finance Rates
Rates subject to borrower risk-grade & RBI regulatory changes.9.00% p.a.
9.00% – 16.00% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- RBI mandated 75% LTV ceiling
- Instant branch evaluation
Source: Kotak Gold Loan Portal
Rates subject to borrower risk-grade & RBI regulatory changes.7.10% p.a.
7.10% – 7.60% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.60% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to domestic retail deposits
- Senior citizen 50 bps extra
Source: Kotak FD Rates Card
Rates subject to borrower risk-grade & RBI regulatory changes.7.10% p.a.
7.10% – 7.60% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.60% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Auto-debit from Kotak 811 or regular savings
Source: Kotak RD Rates
Rates subject to borrower risk-grade & RBI regulatory changes.About Kotak Mahindra Bank
Kotak Mahindra Bank is one of India's leading private banking groups, widely celebrated for competitive housing finance rates and digital banking (Kotak 811).
The bank offers home loans benchmarked to its External Benchmark Lending Rate (EBLR), with digital sanction workflows.
Frequently Asked Questions: Kotak Bank
- Where can I view Kotak Bank's interest rates officially?
- Check kotak.com under 'Personal > Deposits & Loans' for the current rate schedule.