₹3 Lakh Personal Loan - EMIs Starting as low as 10.99%
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors
  • Personal
  • Business
  • Corporate
  • Private Banking
  • Privy League
  • NRI Services
  • Investors
3 Lakh Personal Loan

₹ 3 Lakhs Personal Loan

Loan Amount
Interest Rate (% P.A.)
Tenure (Years)


Page also available in Hindi


Ready to take the next step?

Frequently Asked Questions

How to get ₹3 lakh loan without collateral?

Getting a ₹3 lakh loan without any collateral is pretty simple with Kotak’s instant Personal Loan services. Here's what you need to do.

  • Check Eligibility: First, ensure you meet our eligibility criteria, which include age, income, and employment status.
  • Apply Online: Visit our website and fill out the Personal Loan application form. Make sure all the information you provide is accurate to avoid any delays.
  • Submit Documents: You must upload digital copies of your ID, address proof, and income evidence.
  • Quick Processing: We pride ourselves on our rapid processing times. If everything checks out, your loan can be approved in no time.
  • Disbursal: Once approved, the ₹3 lakh will be credited to your account, all without the need for any collateral.

How to get ₹3 lakh rupees?

Securing a ₹3 lakh loan can be simplified by using a Personal Loan EMI Calculator. This tool helps you understand your repayment structure.


  • Determine Your Needs: Decide why you need the loan and how much exactly you need.
  • Calculate EMI: Use our EMI Calculator to find out your monthly repayment amount by entering the loan amount, tenure, and expected interest rate.
  • Apply for the Loan: Once you understand your EMI, you can apply for the loan on our website, providing all the necessary details.
  • Documentation: Submit required documents like ID proof, income statement, and address proof.
  • Approval and Disbursal: After quick verification, if all your documents and credit score meet our criteria, the loan amount will be disbursed to your account promptly.

What is the interest for ₹3 lakh Personal Loan?

The Personal Loan interest rate for ₹3 lakh can vary based on several factors such as your credit history, income level, and loan tenure. At Kotak Mahindra Bank, interest rates start at 10.99% per annum. But getting this rate depends on the following factors:

  • Credit Score Check: A higher credit score can help you secure a lower interest rate.
  • Compare Rates: Look at our different interest rates and choose one that fits your financial situation.
  • Consider Tenure: Longer loan tenures reduce your monthly EMI but increase the total interest paid
  • Consult with Us: Contact us for personalised advice on securing the best interest rate for your loan.

How to get ₹3 lakh Personal Loan?

Obtaining a ₹3 lakh Personal Loan involves a few key steps, emphasising the document required for a Personal Loan.


  • Eligibility Verification: Make sure you meet our basic eligibility criteria related to age, income, and employment.
  • Document Preparation: Gather all necessary documents, including proof of identity, income, and residence.
  • Online Application: Apply through our website, uploading the required documents for quicker processing.
  • Loan Approval: Once your documents are verified and meet our standards, your loan application can be approved.

I need ₹3 Lakh. How to arrange it?

If you're in urgent need of ₹3 lakh, considering a Personal Loan overdraft could be a viable option. This facility allows you flexibility in terms of borrowing and repayment.


  • Understand Overdraft Benefits: Recognise how an overdraft can provide instant access to funds up to ₹3 lakh with the flexibility to repay according to your cash flow.
  • Application: Apply for an overdraft facility online, providing all the necessary personal and financial details.
  • Documentation: Submit any required documents for verification, such as proof of income and identity.
  • Approval Process: We aim to process overdraft applications swiftly, ensuring you can access the funds as soon as possible.
  • Access Funds: Once approved, you can withdraw the funds up to the approved limit whenever you need, only paying interest on the amount used.

How to get ₹3 lakh loan in one day?

Securing a ₹3 lakh loan in a single day is possible through our Personal Loan for debt consolidation facility, designed for quick processing and disbursement.


  • Preparation: Ensure you have all the required documents ready to speed up the process.
  • Online Application: Fill out the application form on our website accurately to avoid any processing delays.
  • Rapid Verification: Our system is designed to verify your application and documents quickly.
  • Instant Approval: If your application meets our criteria, approval can be granted instantly.
  • Same-Day Disbursal: Once approved, the loan amount can be disbursed to your account on the same day, giving you the quick financial assistance you need.