Kotak Mahindra Bank loan interest rates today
Updated 8 Nov, 6:30 am · 4 products · RBI repo rate 5.50%
Kotak Bank loan rates – November 2026
| Loan | Compare | Rate (p.a.) | Up to | Fee | Source |
|---|---|---|---|---|---|
| Home Loan Credit score 720+ usually | Home loan rates | 7.70% – 12.00% | ₹10 Cr | up to 0.5% | Kotak Mahindra Bank website read 8 Nov, 6:30 am |
| Secured Business Loan / Working Capital Credit score 720+ usually | MSME term loan rates | 9.00% – 12.00% | ₹25 Cr | up to 1% | Our lender list checked 25 Oct 2026 |
| Business Loan (collateral-free) Credit score 700+ usually | Business loan rates | 9.50% – 30.50% | ₹75 L | up to 2% | Kotak Mahindra Bank website read 8 Nov, 6:30 am |
| Personal Loan Credit score 720+ usually | Personal loan rates | 9.99% – 30.00% | ₹40 L | up to 2% | Kotak Mahindra Bank website read 8 Nov, 6:30 am |
Published ranges for new loans. Kotak Mahindra Bank decides the final rate at sanction. Fee is the processing fee as a share of the loan, before GST.
How Kotak Bank compares
- Home loan: Kotak Bank is number 5 of 17 options on starting rate – lowest today is 7.40% at Bank of Baroda. Compare
- MSME term loan: Kotak Bank is number 9 of 30 options on starting rate – lowest today is 8.20% at Canara Bank. Compare
- Business loan: Kotak Bank is number 1 of 16 options on starting rate – the lowest today. Compare
- Personal loan: Kotak Bank is number 3 of 18 options on starting rate – lowest today is 9.90% at Navi Finserv. Compare
Common questions
What is the lowest loan interest rate at Kotak Bank today?
As on 8 Nov 2026, the lowest starting rate in our list for Kotak Mahindra Bank is 7.70% p.a. on its Home Loan. The rate offered to you depends on your credit score, income or business financials and the security offered.
How often are Kotak Bank rates updated here?
Rates for 3 of the 4 Kotak Bank products on this page are read from the Kotak Bank website twice a day, at 6:30 am and 2:30 pm. The others come from our lender list, with the date each was last checked.
Will Kotak Bank give me a loan?
Check your eligibility on Funding Desk – it tests your figures against the lender’s norms on credit score, income or DSCR, loan-to-value and security, and shows the likely amount, rate and EMI. It does not affect your credit score.