K F TAHAIYA IRAM
Reviewed on 06/02/2022
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Personal loan caters to fulfilling the borrower’s needs, such as home renovation, wedding or attending any immediate funds requirement.
No need to mortgage property
Maximum up to Rs.40 lakhs can be availed for 1 to 6 years
Attractive rate of interest, starting at 10.99% p.a
Documentation is made easy with Video KYC using Aadhaar Card, Aadhaar OTP-based eKYC and Biometric-based KYC options
A simple 3-step online application process gets you the money you need, in no time!
Apply, by sharing your basic personal and financial details for an eligibility check
Get your Personal Offer, by providing/authenticating bank statement and getting your email id verified
Online disbursal, by e-signing the loan agreement and setting up auto-repayment mode
For a quick loan application process and disbursal, keep these documents handy: PAN Card, Aadhaar Card & Last 3 months bank statements of salary account or net banking credentials.
You can also apply for a personal loan of up to Rs. 40 lakhs with few additional steps and documentation at low interest rates and with flexible repayment options.
Important Considerations:
*Terms and conditions apply. Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. For loan above Rs. 5 lakhs will take up to 48 hours for disbursement with additional documentation.
Personal loan EMI Calculator is a tool to help you calculate the monthly installment.
● Click on ‘Apply Now’ at Kotak Bank’s homepage
● Enter your details to check eligibility
● Fill in some additional details to get In-Principal approval letter from the bank
● Select loan amount and tenure
● Submit documents
● Opt for digital(Aadhar OTP-based) agreement authentication
Personal Loan Guide
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Personal loan requires no collateral, and that’s why it is an unsecured loan. It can be used to fulfill many of your day-to-day as well as emergency needs. Kotak Mahindra Bank provides the borrowers with loan amounts from Rs. 50,000 to Rs. 40 lakhs. So, whether your expenses are small or big, our personal loan can come in handy at the time of your need.
Personal Loan interest rate is the amount a lender charges you every month for borrowing money from them. You can easily calculate Personal Loan interest rate using a Personal Loan calculator.
A personal loan can impact your CIBIL score for personal loan either negatively or positively. If taken while already in debt, it can have a negative impact. At the same time, its timely repayment will boost your overall score.
Kotak Mahindra Bank’s personal loan is available within the shortest possible time, and the documentation is minimal and hassle-free.
Since it requires no collateral, you can apply for a small loan through a simple online process. Please remember that, we only offer personal loans to salaried individuals.