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Kotak Home Loan Statement

Kotak Bank Home Loan Provisional Certificate

Last Updated 22nd Nov 2021

  • Kotak Bank home loan statement is a summarized version of the availed home loan by a borrower.
  • It is issued at the end of each fiscal year and contains information like borrowed loan amount, the amount paid, remaining loan amount and home loan EMIs to be paid by the Kotak Bank home loan borrower.
  • Kotak Bank home loan statement is also called Kotak Bank home loan provisional certificate.
  • Kotak Bank home loan borrowers can access the statement both offline and online.
  • You can use Kotak Bank home loan statements to apply for a new loan or calculate your debt to income ratio.
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What is Kotak Home Loan Statement?

Kotak home loan statement is a summarized version of the Kotak home loan. Kotak bank loan statement gives a clear view of all important components of a home loan that a borrower deals with to pay his Kotak home loan EMI. The statement includes the principal amount borrowed, the interest to be charged, and the loan tenure. Kotak home loan statement, also called as Kotak bank home loan provisional certificate is issued at the end or beginning of each fiscal year to indicate the remaining home loan amount and home loan EMI to be paid by the home loan borrower.

How to Get Kotak Home Loan Provisional Certificate Online?

Similar to all banking activities, a Kotak home loan statement or Kotak home loan certificate can be accessed online. For this, you need to follow the below mentioned steps:

  • Visit the Kotak net banking portal or their official website.
  • Click on the login page and enter your user id and password allocated for the net banking services.
  • After logging in, click on the ‘Enquiries’ tab.
  • Under the Enquiries head, select the ‘Home loan provisional certificate’ option.
  • Enter your home loan details for which you need the desired information.
  • After entering the information, the Kotak home loan statement opens. You can either view, print or can avail Kotak home loan statement online download facility.

How to Get a Kotak Home Loan Statement Offline?

Kotak home loan statement can be availed offline as well. For the offline process, you have to follow the below-mentioned steps:

  • Visit the nearest Kotak branch.
  • Ask for a home loan statement form, and fill the necessary information accurately such as the applicant name, PAN number, date of birth, residential address, home loan details like home loan account number, email id of the applicant and contact number.
  • After filling in the form, submit it with the required documents such as Aadhar card, PAN card or Passport copy.

Why are Kotak Home Loan Statements Required?

Kotak home loan statement is required to serve the following purpose:

  • Kotak provisional certificate helps home loan borrowers keep a regular check on their home loan activities.
  • It keeps the borrowers updated about their upcoming home loan EMIs, due amount, the amount paid and the remaining loan tenure.
  • Further, these Kotak loan statements are even useful after the completion of a particular loan. This is because it becomes a mark of a person’s loan repayment capability and is checked by banks for lending future loans.
  • Kotak home loan tax certificate also informs one of how much tax one needs to pay. It is necessary to claim tax deductions.


How can I download my Kotak Bank home loan provisional certificate?

You can download the Kotak Bank home loan provisional certificate online using the Kotak Bank net banking facility or the Kotak Bank home loan portal. To avail the facility of Kotak Bank home loan statement online download or to download the Kotak Bank provisional certificate you need to enter your login and home loan details.

How can I get my Kotak Bank home loan statement online?

You can get your Kotak Bank home loan statement online, by logging in on the online portals, and choosing the ‘Home loan provisional certificate’ option under the enquiries tab.

How can I get an Kotak Bank housing provisional certificate?

Kotak Bank housing provisional certificate can be accessed both offline and online. For the offline services, you need to visit the nearest Kotak Bank bank branch physically. On the other hand, you can avail the online services through the net banking portals.

How do I find my Kotak Bank Loan Account Statement?

You can find details about Kotak Bank loan account statements online through Kotak Bank netbanking account. In addition, to download an interest certificate Kotak Bank offline, you can visit the nearest bank.

How can I check my Kotak Bank loan balance online?

You check Kotak Bank loan balance online by logging to your Kotak Bank account through netbanking. You can also download a Kotak Bank home loan interest certificate or Kotak Bank loan account statement to check your loan balance.

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Kotak Home Loan News - Nov 2021
  • 2021-11-08 : Kotak Bank Revises Home Loan Rates
    Kotak Mahindra Bank has increased home loan rates from 6.50% to 6.55%. The new rates are valid from November 9, 2021, to December 10, 2021.
  • 2021-09-10 : Kotak Mahindra Bank Cuts Home Loan Interest Rate
    Kotak Mahindra Bank has reduced the home loan interest rate by 15 basis points (bps), ahead of the festive season. Currently, the minimum rate of interest is 6.50%, the special rate is applicable from 10 September 2021 to November 8, 2021.
  • 2021-08-30 : Kotak Mahindra Bank offers home loans at the lowest rate
    Kotak Mahindra Bank is offering a home loan at the lowest interest rate of 6.60%. The bank charges 0.5% of the loan amount as processing fees from salaried. For self-employed, the processing fee is 1.00% of the loan amount.
  • 2021-07-09 : Kotak Bank Q1 Net Profit seen up 25.6% YoY to Rs. 1,563.4 crores
    Motilal Oswal has come out with its first-quarter earnings estimates for the Banks and Insurance sector. The brokerage house expects Kotak Bank to report a net profit of Rs. 1,563.4 crore up 25.6% year-on-year on all products combined including Personal Loan, Home Loan, Loan Against Property, Business Loan, Gold Loan, and Car Loan. Net Interest Income (NII) is expected to increase by 7.7% Y-o-Y to Rs. 4,011.9 crores.
  • 2021-04-13 : Kotak Mahindra Bank kept its home loan rate unchanged at 6.65%
    Even as some of the banks have hiked their home loan interest rate, Kotak Mahindra Bank has kept the home loan rate unchanged at 6.65%. The interest rate is applicable for both the home loan and balance transfer product. The bank is aiming to increase its share in the housing loan market.
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