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Frequently Asked Questions

What are the different modes of disbursement?

Disbursement can happen by way of Cash, Demand Draft, Fund Transfer (to customer's existing Kotak Mahindra Bank Ltd. account), NEFT & RTGS (to customer's other bank account).

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Do I need a guarantor to avail this loan?

Guarantor is not required while availing Gold Loan.

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Do I need to be an existing customer of the bank?

The customer need not be an existing customer of the bank.

However, we recommend that while availing the Gold Loan, customer should open a savings bank/current account facility with the bank which will enable the customer to not only enjoy banking services of the bank, but also assist them in servicing the loan conveniently.

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Do I need to provide any income documents?

No income documents required up-to a loan amount of Rs. 10 lakhs.

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What is a Gold Loan?

It is a personal loan secured against the gold ornaments/coins which a customer pledges with the bank. The loan amount can be utilized for personal/business & any other non-speculative & for approved purposes

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