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At Kotak, we understand how every little step makes a huge difference in reaching your business goals. To help you meet newer milestones of success everyday, we offer a range of collateral-free customized business loan solutions best suited for your business requirements.

Avail a loan from Rs.3 Lakh up to Rs.1 Crore

Kotak offers business loans ranging from Rs. 3 Lakhs to Rs.1 Crore for small, medium and large businesses

Business Loan with No Collateral

Kotak provides unsecured business loan which means you can fund your business without any collateral

Business Loan with quick approval and hassle free processing

Get quick approval on business loans with hassle-free processing to meet immediate financial needs of your growing business

Business Loan with Flexible Repayment Options

Kotak provides business loans with flexible tenures of up to 60 months (for Doctors & CA) to make repayment easy

Business Loan With Doorstep Services

Along with your business, Kotak also takes care of your convenience. Enjoy our doorstep services by availing our business loan

*With Facility Against Credit Card Receivables, you can avail of a Business Loan or an Overdraft Facility of up to Rs.3 Crore

** Terms & Conditions apply. Credit at sole discretion of Kotak Mahindra Bank Ltd 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.

Whether you are an established business professional or a budding entrepreneur, you can always turn to Kotak Business Loans in times when your business needs more capital. We offer business loans ranging from Rs.3 Lakhs – Rs.1 Crore with flexible repayment methods.

Business Loan Eligibility

Are you thinking of availing a business loan anytime soon? Browse through our business loan eligibility criteria mentioned below, to make sure your business loan is approved at the very first go:

The applicant has to be in business for last 3 years with a minimum turnover of Rs.40 Lakhs
The business must have generated profit for a minimum of 1 year
The applicant should be a Sole Proprietor / Partnership firm / Private Ltd Co. / Trust / LLP involved in the business of Manufacturing, Trading or Services
The main applicant should be minimum of 25 years of age & should be no older than 65 years at the time of loan maturity.

Check out the criteria for business loans eligibility to know more.

Business Loan Fees & Charges

Processing fees: Maximum 2% of the loan / facility amount (Plus GST)
Documentation Charges:
- Loan amount less than 10 Lakhs - Rs.3500/- (Plus GST)
- Loan amount greater than 10 Lakhs - Rs.6000/- (Plus GST)

Check out the business loan rates for availing the business loan.

Business Loan EMI Calculator

To know how much EMI you would have to pay every month, try our easy-to-use business loan emi calculator. Simply enter the following details & Know your EMI:

Loan Amount
Desired Interest Rates (%)
Tenure in Years/Months

Business Loan Required Documents

We, at Kotak, believe in fast loan disbursals with miminum troubles of lengthy paperwork. Check out the documents required for business loan to know more.

Frequently Asked Questions

Can I get any benefit if I am an existing Kotak Bank current account or savings account customer?

Yes. We offer preferential interest rate, faster processing & doorstep service to existing bank customers while taking our business loan.

Pricing may vary depending upon the credit worthiness and other risk parameters of the borrower

What is the minimum turnover requirement for a Business Loan?

For availing Kotak’s business loan, the minimum turnover required is Rs.40 Lakhs.

Which entities can avail a business loan?

Our business loan is for Manufactures, Traders, Self-employed professionals, Restaurants, Hospitals, etc.

Is part payment allowed in a business loan?

No, part payment is not allowed for business loans.

What is the minimum and maximum loan limit offered for a business loan?

Kotak Business Loans range from Rs.3 lakhs to Rs.1 crore. We also offer loans against credit card receivables (FCCR) with a maximum loan amount of Rs.3 crore.

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Business Loan Guide

You are never too far away from quick, efficient banking services. Locate your nearest branch or an ATM.

For assistance, call us at 1800 209 5600 from Monday to Saturday (9:30 am to 6:30 pm, excluding holidays)

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