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Home Loans

Find your choice of Indian home finance
Buy your space in India with any of Kotak's flexible options to finance your dream home. Get a host of attractive features customized to NRI needs with an easy to avail home loan.

Home Improvement Loans

Find your choice of Indian home finance

Increase your existing home's value by investing in home improvement. You can choose to make minor changes like paint or furnish, and even carry out major alterations like renovation with a Kotak Home Improvement Loan.

Home Finance - Eligibility

  • Minimum Gross Income
    1. For loan tenor upto 5 years : USA/UK /other countries excluding Gulf - USD 30,000
    2. For loan tenor from 6 to 10 years : USA/UK /other countries excluding Gulf - USD 42,000
  • For these loans, provisions of Foreign Exchange Management (Borrowing and lending in Rupees) Regulation, 2000 shall be applicable.
  • Only the Income of the principal borrower/s will be considered for income eligibility of the non-resident Indian.
  • Processing fee payment source - Has to be by way of inward remittances through normal banking channel or by debit to NRE/FCNR (B)/NRO/NRNR/NRSR ` accounts or out of rental incomes derived from the property.
  • The applicant must be a graduate (Minimum 3 years post secondary school qualifications).
  • In case of applications without a co-applicant, a personal guarantee of one/two persons will be required.

How you Benefit

  • High Eligibility
  • Attractive Interest Rates
  • Simplified Documentation
  • Insurance Options to cover your home loans at attractive premium
  • Quicker Turnaround time
Status Tracker
Foreign Exchange Rates -
  • USD $
  • Euro
  • GBP £
  • AUD $
  • CAD $
  • SGD $

*Indicative Bank sell rate -TeleTransfer

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Interest Rates -

Maturity Period: 3 Years

  • NRE/NRO SB 4% pa
  • NRO TD
  • NRE TD

Maturity Period : 1 year

  • FCNR (USD)
  • FCNR (GBP)
  • FCNR (EUR)
  • FCNR (YEN)

*Interest rates subject to change

View all Interest Rates


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