Credit Access

1860 266 2666

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Grab the opportunities that knock on your door without being constrained by lack of access to funds or having to take the capital from your investments.
Presenting, Kotak Credit Access a special overdraft service, that allows you to avail an unsecured overdraft up to Rs. 10 lakhs based on the minimum average quarterly balance (AQB) maintained in your Current Account with us.

  1. Convenience: Operate from one primary account - no need to open a separate account
  2. Hassle-free documentation: No periodic submission of stock statement
  3. Control on interest: Pay interest only on the amount that you use
  4. Easily available funds: In case of unforeseen business expenditure, you can keep your investments and Term Deposits untouched, thanks to the easy fund access
  5. Exclusivity: It offers you competitive features and benefits in the current market scenario


Available only in select locations.
Conditions apply: Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

  1. Should have a main operative current account with KMBL for at least 6 months
  2. The business must be running for at least three (3) years
  3. Customers having Kotak Mahindra Bank Ltd. - Personal Loan are not eligible
  4. Minimum AQB of Rs. 50,000/-
  1. KYC documents to establish identity, DOB and address
  2. Last 6 months Current Account statement
  3. Latest landline bill / utility bill to establish ownership of office or residential premises

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