Kotak Mahindra Bank is one of the leading private sector banks in India offering home loans. The bank offers competitive interest rates, comfortable repayment tenures and high loan amounts to buy your dream house. However, banks have a few eligibility criteria to be able to get a home loan. 

Read More: Kotak Mahindra Bank Home Loans Features and Benefits

Kotak Mahindra Bank offers home loans to individuals, Partnership Firms/ LLP/Indian Company and also to Hindu Undivided Family (HUF). The eligibility criteria set by Kotak Mahindra Bank for home loans are: 

Kotak Mahindra Home Loan Eligibility Criteria 



Partnership Firm / LLP/Indian Company

Hindu Undivided Family (HUF)


If Salaried - between 18 and 60 years old

If Self Employed -between 18 and 65 years old

Should be in existence for at least 3 years.

Karta of HUF must be an applicant/co-applicant.

Should be in existence for at least 3 years


Minimum Rs.15,000 per month

Minimum Rs.1.8 LPA

Minimum Rs.1.8 LPA


Check your home loan eligibility for Kotak Mahindra Bank Home Loan now!

Points to remember:

  • Your home loan eligibility is dependent on a few other factors too.
  • Your credit score is very important. A credit score of 750 and above will be considered good and help you secure the best interest rates. 
  • Kotak Mahindra also considers your existing liabilities and loans when processing your loan application. 
  • If you want to increase the chances of your loan approval, you can add another earning member of the family as a co-applicant on the loan.