No matter what your financial needs are, Kotak Personal Loans help you fulfill them.

The procedure is simple, documentation is minimal and approval is quick. Kotak Mahindra Bank offers personal loans at less interest rate. The benefits of taking a personal loan from kotak mahindra bank are listed below.

Key Features: Kotak Bank Personal Loan

  1. Avail loans from Rs.50,000-50 lakh*
  2. Quick Approval & hassle-free processing
  3. Minimal paperwork
  4. Flexible repayment options
  5. Repay with easy EMIs
  6. Convenience of service at your doorstep

Features & Benefits: Kotak Bank Personal Loan

  1. From Rs.50, 000 - 50 lakh* loans are avail: From Rs.50, 000 - 50 lakh* You can avail of a loan for any purpose based on your income and repayment capacity and to fulfill all your financial needs.
  2. Quick approval: With a Personal Loan of Kotak Mahindra Bank, turn your dreams into reality in as less as 72 hours.
  3. Hassle free processing and Minimal paperwork: Leave you tension and hassle free on our minimal document requirements. Worries are kept at bay additionally, as no security or collateral is required.
  4. An options of Flexible repayment: For salaried customers our flexible loan tenors are range from 12 - 60 months and for businessmen or professionals, which don't overburden you with a worry to pay heavy EMIs are range from 12- 36 months.
  5. Service at your doorstep: Fix an appointment with any of our representatives and your loan formalities can be assisted by them.

Interest Rates: 13.25% to 24%
Eligibility & Documentation for Kotak Bank Personal Loan

Criteria Salaried individuals Professionals Businessmen
Profile Must be working for a Public Ltd co./ MNC/ large Pvt Ltd co. Must be a Doctor (MS, MD, MBBS, BDS) , C.A., Architect, Consultant, Interior Designer Must have clean payment track record of more than 1 year of a previous loan.
Age 23 - 58 yrs resident Indian 23 - 58 yrs resident Indian 23 - 58 yrs resident Indian
Income Net monthly salary of Rs. 10,000/- with no loans outstanding. Filed IT returns of Rs.75, 000/- or more for the last 2 years. Filed IT returns of Rs.75,000/- or more for the last 2 years
Min education Graduate Professional degree Graduate
Residence telephone Required Required Required
Yrs in city Min 1 yr Min 1 yr Min 1 yr
Experience of Total work Min 1 yr Min 5 yrs Min 5 yrs


· To avail a Personal Loan, you will need to provide the following documents

Document Salary of individuals Professionals Businessmen
Application form Yes Yes Yes
1 photograph Yes Yes Yes
Details of Identity Yes Yes Yes
Details of Residence Yes Yes Yes
Signature verification from bank Yes Yes Yes
Certificate of Degree & Certificate of practice No Yes No
Record of Payment track   No* No* Yes
Details of Income Form 16 and Latest pay slip (Form 16 required only when applying under holiday finance) Balance Sheet and IT returns P/L statement of account for the last 2 yrs IT Returns and Balance Sheet & P/L statement of Account for the last 2 years 
 Statements of bank account  On last 3 months  On last 6 months On the last 6 months

Other Leading Personal Loan Providers (Click to Apply)

  1. HDFC Personal Loan
  2. ICICI Bank Personal Loan
  3. Axis Bank Personal Loan
  4. PNB Personal Loan
  5. SBI Personal Loan
  6. Citibank Personal Loan
  7. Fullerton India Personal Loan
  8. Personal Loan from Other Banks

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