# Kotak Bank hybrid home loan locks rate for up to 65 months 2026-08-09T14:03:17+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Kotak Mahindra Bank has launched a hybrid home loan that lets customers lock their interest rate for up to 65 months. The fixed-rate period can be 39, 52 or 65 months, after which the loan automatically switches to a floating rate linked to the repo rate plus a spread. The bank says the product gives families certainty on EMIs during early years when budgets are tight. On a Rs 1 crore loan, a borrower could save up to Rs 3.46 lakh if rates rise to recent highs. The loan is priced comparably to the bank's floating-rate home loans with no extra premium. ## Coverage - deccanherald.com Tags: EMI, home loans, hybrid home loan, interest rates, Kotak Mahindra Bank, mortgage Canonical: https://indianopinion.org/kotak-bank-hybrid-home-loan-locks-rate-for-up-to-65-months/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/kotak-bank-hybrid-home-loan-locks-rate-for-up-to-65-months/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.