₹1 Crore Home Loan - Check EMI for 5 to 25 Years

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₹1 Crore Home Loan EMI & Interest Rate

Do you plan to buy your dream house? A Home Loan is the best option when it comes to funding for your dream house. Opt for a Home Loan of ₹ 1 Crore from Kotak Mahindra Bank with numerous features and benefits. Don't worry about shelling out excess, as you get a competitive Home Loan interest rate. For example if you take a home loan of ₹ 1 Crore at interest rate of 8.75%* for 25 years then your EMI will be ₹ 82,214. Use a calculator to calculate your Home Loan EMI of Rs. 1 Crore! Apply through the Kotak Mahindra Bank website or app.

Calculate Your EMI for Home Loan of ₹1 Crore

Are you planning to apply for home loan? You may want to know about the EMI for a home loan of 1 Crore. Rather than contemplating and depending on your agent to calculate the EMIs, use the Home Loan EMI calculator to know your exact EMI amount.

Home loan calculator is a user-friendly online tool that calculates your monthly payable EMI amount according to the interest rate, loan amount, and repayment tenure. Knowing your EMIs before borrowing improves EMI management and helps in a better management of the finances.

Home Loan

Loan Amount

Minimum ₹ 10,00,000

Interest Rate

Tenure (Years)

Till April 2028

Equated Monthly Instalments (EMI)

₹ 10000

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Principal

50,00,000

Interest Payable

2,00,000

View Amortization Table

Home Loan Amortization Schedule

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Emi Nos	Opening Principal	EMI	Interest	Principal Repayment	Closing Principal

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Monthly obligation should not be greater than Monthly Net Income

Guide to better loan finance

Resources to get the best out of your Home Loan and manage your finances prudently

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₹ 1 Crore Home Loan EMI as per Tenure

If you borrow a Home Loan ₹ 1 Crore for 5 to 25 years at the interest rate of 8.75%, your EMI will be as follows:

Loan Amount & Tenure	EMI Amount
₹1 Crore Home Loan EMI for 5 years	₹ 2,06,372
₹1 Crore Home Loan EMI for 10 years	₹ 1,25,326
₹1 Crore Home Loan EMI for 15 years	₹ 99,944
₹1 Crore Home Loan EMI for 20 years	₹ 88,371
₹1 Crore Home Loan EMI for 25 years	₹ 82,214

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₹1 Crore Home Loan Eligibility & Documents Required

You must fulfil the eligibility conditions and provide all the required documents to obtain a Home Loan of 1 Crore. Here is an outlook

Criteria	Salaried Applicants	Self-employed Applicants
Age	Applicants should be between 18 and 60 years old	Applicants should be between 18-65 years old
Income	Minimum Income of ₹ 20,000 per month for Delhi, Mumbai, Bangalore, Pune, and Chennai residents. Minimum Income of ₹* 15,000 per month for the residents of other cities.	Minimum Income of ₹ 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai. Minimum Income of ₹ 15,000 per month for the residents of other cities.
Work Experience/ Continuity	2 years of work experience and at least 6 months in the current organisation.	Minimum 3 years in business or profession with the number of successful years in the business or profession.

Criteria

Salaried Applicants

Self-employed Applicants

Age

Applicants should be between 18 and 60 years old

Applicants should be between 18-65 years old

Income

Minimum Income of ₹ 20,000 per month for
Delhi, Mumbai, Bangalore, Pune, and Chennai residents.

Minimum Income of ₹* 15,000 per month for the
residents of other cities.

Minimum Income of ₹ 20,000 per month for
residents of Delhi, Mumbai, Bangalore, Pune, and Chennai.

Minimum Income of ₹ 15,000 per month for the
residents of other cities.

Work
Experience/ Continuity

2 years of work experience and at least 6 months in the current organisation.

Minimum 3 years in business or profession with the number of successful years in the business or profession.

If you are eligible, you must submit these documents to apply for a Home Loan at Kotak Mahindra Bank:

Identity proof, like Aadhar card*, PAN card, driving licence, voter ID, passport, etc.
Address proof, like Aadhar card*, voter ID, driving licence, passport, etc.
Age proof, like voter ID, passport, PAN card, Aadhar card*, driving licence, etc.
Signature proof, like a passport or PAN card
Income proof

How to Apply For ₹ 1 Crore Home Loan with Kotak Mahindra Bank

You can apply for a ₹ 1 Crore Home Loan with Kotak Mahindra Bank by visiting your nearby bank branch or online via the website or app. These are the steps to follow:

Log on to the Kotak Mahindra Bank website or download the mobile banking app
Visit the Home Loan section and click the 'Apply Now' button
Enter your details in the application form
Once the basic details have been filled and submitted our Home Loan specialist will get in touch to process your application

*T&C apply