Kotak Mahindra Bank Personal Loan EMI Calculator
↻ Updated 2026Work out your monthly EMI, total interest and repayment for a Kotak Mahindra Bank personal loan. The rate is pre-filled with Kotak Mahindra Bank's indicative starting rate of 10.99% — adjust it to the exact rate you've been offered.
Your inputs
Loan amount
Interest rate (Kotak Mahindra Bank indicative)
Adjust to your offered rate
Tenure
Monthly EMI
₹12.9 K
Kotak Mahindra Bank personal loan
Total interest
₹1.2 L
24% of principal
Total payable
₹6.2 L
over 48 months
Principal vs interest
Principal₹5 L
Interest₹1.2 L
Loan summary
Loan amount₹5,00,000
Interest rate10.99%
Tenure48 months
Monthly EMI₹12,920
Total interest₹1,20,176
Total payment₹6,20,176
ASSUMPTIONS — EMI uses the standard reducing-balance formula. The Kotak Mahindra Bank rate shown is indicative and changes frequently — verify your actual offered rate, processing fee and terms with the bank. Excludes fees and insurance.
Personal loan EMI for other banks
Sources & rate references
- ·Indicative published bank rates (verify current rate with the bank) — Rates are indicative starting rates and change frequently; not a quote
RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.