Kotak Mahindra Bank has specific eligibility criteria for its home loan products, which vary slightly depending on factors like your employment type and city of residence. Here's a summary of the key points:

General Eligibility:

• Age: 18 to 60 years for salaried individuals, 18 to 65 years for self-employed individuals.

• Nationality: Indian resident.

• Minimum Income:Rs. 20,000 per month for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai.
  Rs. 15,000 per month for residents of other cities.
  

• Credit Score: Minimum 700 (ideally 750 and above for optimal interest rates).

Employment Specifics:

• Salaried individuals: Minimum job experience of 2 years required. Bachelor's degree required for private company/partnership firm employment, not mandatory for government/MNC jobs.

• Self-employed individuals: Business/profession must be operational for at least 3 years. Income tax returns for the past 3 years needed. Minimum annual income:Rs. 2,40,000 for residents of Delhi, Mumbai, Bangalore, Pune, and Chennai.
  Rs. 1,80,000 for residents of other cities.
  

Additional Documents:

• Identity proof: PAN card, Voter ID, Aadhaar card, Passport, Driving License.

• Income proof: Salary slips, Form 16 for salaried individuals, Income tax returns and business financials for self-employed individuals.

• Age proof: Same documents as identity proof.

• Address proof: Same documents as identity proof.

• Relationship proof (for co-applicants): Marriage certificate, birth certificate, etc.

• Banking information: Bank statements, account details.

Additional Points:

• Kotak Mahindra Bank offers a home loan eligibility calculator on their website to help you assess your pre-qualification.

• Meeting the minimum criteria doesn't guarantee loan approval. The bank will assess your overall financial situation and repayment capacity before taking a final decision.

• Specific loan terms and interest rates may vary depending on your eligibility and chosen loan product.