Kotak Home Loan Balance Transfer Calculator – Quick & Easy

Pay off any existing balance of home loan with Kotak’s Home Loan Balance Transfer at a lower rate of interest. You can now retain your home on better terms and conditions that suit your needs.

Benefits of Balance Transfer: Even a 1.0% reduction in the interest rate can save you more than Rs. 1.5 lakh on a loan of 10 lakhs over a 20 year period. The exact figure will depend on the rate on the existing loan, balance tenure, etc.

Home Loan Interest Rates: Upto 14.5%

Processing Fees: upto 1.25% of loan amount

Features & benefits:

Transfer your existing home loan to kotak bank at lower rates.

Top-up facility available with transfer.

Maximum 20 years repayment period


The financial eligibility depends on the Customer’s repayment capacity and is based on the following factors:

  1. Monthly or annual income
  2. Source of income
  3. Savings and credit history
  4. Work experience
  5. Age
  6. Qualifications
  7. Number of dependents
  8. Probability of the Customer continuing in the same occupation

Documents Requirement

Apart from the application form, you will be required to submit the following documents.

  1. Income proof and banking details
  2. Age proof and address proof
  3. Identity proof and Signature Proof
  4. Proof of educational qualifications

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