🇮🇳 India

Cosmos Bank Last updated2026-05-28

Cosmos Bank EMI Calculator 2026 rates.

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Quick answer

Cosmos Bank home loan rate starts at 8.75% (typical 9.5%) as of 2026. A ₹50 lakh loan at 9.5% over 20 years = an EMI of approximately ₹46,607/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Cosmos Bank loan rates (May 2026)

🏠 Home Loan

8.75–12%

typical: 9.5% p.a.

💵 Personal Loan

12–18.5%

typical: 14.5% p.a.

🚗 Car Loan

9.25–13.75%

typical: 10.75% p.a.

💳 Processing Fee

0.5% of loan amount (capped at Rs. 15000)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans per RBI guidelines. 2-5% charges on fixed-rate, vehicle, and personal loans in early tenure, reducing over time.

About Cosmos Bank

Why choose Cosmos Bank?

Cosmos Co-operative Bank is one of India's oldest urban cooperative banks, headquartered in Pune with over 118 years of operations. Regulated by RBI and the Maharashtra State Cooperative Societies Act, it has multi-state scheduled bank status with branches across 7 states. Its home and SME loans are competitive with mid-sized private banks, with a strong franchise in western Maharashtra.

🎯 Unique angle

Product highlights

✓ Pune and western Maharashtra residents
✓ home loan borrowers
✓ SME owners
✓ traditional savers

❓ Cosmos Bank FAQ

Common questions.

Who should apply for a Cosmos Bank loan?

Cosmos Bank is ideal for residents of Pune, western Maharashtra, and adjoining states seeking home loans, SME loans, or vehicle finance. The bank's deep community ties in Pune make it a trusted choice for property buyers and small business owners in the region.

How does Cosmos Bank compare to nationalized banks?

Cosmos offers home loan rates within 25-50 basis points of SBI/BoB with more personalized service. As a scheduled multi-state cooperative bank, it is regulated by RBI plus the state Cooperative Societies Act. Deposits are DICGC-insured up to Rs. 5 lakh, same as commercial banks.

What is the eligibility for Cosmos Bank loans?

Age 21-65, minimum Rs. 25,000 monthly income for salaried, 3 years business vintage for self-employed. Property must be in their service area (mostly Maharashtra, Karnataka, Madhya Pradesh, Gujarat, Andhra Pradesh, Telangana, Delhi). Nominal membership required for borrowers.

Is Cosmos Bank safe to deposit money?

Yes, Cosmos Co-operative Bank holds multi-state scheduled bank status, regulated by RBI and the Maharashtra State Cooperative Societies Act. Deposits are insured up to Rs. 5 lakh per depositor by DICGC. The bank has over a century of operations and stable financial ratios.

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