Apply Now

Women Loan

Be it a lunch bill or taking a family vacation, women want to equally contribute towards every expense. A personal loan for women enables them to become financially independent. With a personal loan women can cover many expenses like weddings, travel, education and even financial emergencies. A women loan can also help them plan their finances better. Kotak Mahindra Bank’s personal loan for women is lucrative with many attractive features.

How to Apply for Women Loan

The application process to get a personal loan for women from Kotak Mahindra Bank is simple and quick:

  • Visit Kotak Bank’s official website
  • Go to Personal Loans section
  • Click Apply
  • Enter the basic details
  • Choose personal loan amount and repayment tenure
  • Simply click 

Upon successful application and approval your loan will be disbursed. In case you are pre-approved for a personal loan, your loan can be disbursed in 3 seconds.

Features & Benefits of Personal Loan for Women

  • No Collateral

             Collateral-free personal loan for women

  • Convenient Processing

             Easy application, minimal documentation

  • Flexible Repayment

             Repayment tenure from 12 to 60 months

  • Optimal Quantum

             Loan amount from Rs. 50,000 to Rs. 40 lakhs

  • Lucrative Interest

            Personal loan for women starts at 10.99% p.a.

Personal Loan for Women Eligibility

Kotak Bank offers a lucrative personal loan for women. Women borrowers need to fulfill the personal loan for women requirements.


Personal loan eligibility criteria:



For Salaried


21-60 years



Employment Type

MNC, Public Limited, Private Limited


Existing Kotak Bank Customers holding  orate Salary Account: Rs. 25,000

Existing Kotak Bank Customers without Salary Account 

Kotak Employees: Rs. 20,000


1 year

Visit our personal loan eligibility page to know more

Personal Loan Interest Rate for Women

Kotak Bank offers a lucrative personal loan for ladies. The personal loan interest rate is affordable too. Take a look at what rate is applicable for personal loan for ladies.

Documents Required for Personal Loan for Women

Women borrowers can apply for a personal loan from Kotak Bank with minimal documentation. The documents required for personal loan are as follows:

  • 2-3 passport size photographs
  • Identity Proof: Passport / Voter ID / Driving License / Aadhaar Card
  • Address Proof: Passport / Voter ID / Driving License / Aadhaar Card
  • Bank Statements of previous 3 months
  • Salary Slips of previous 3 months for salaried employees

General Questions

What is the tenure for Personal Loan for women?

Loan tenure for personal loan for women from Kotak Mahindra Bank is 12 months to 60 months, that is from 1 year to 5 years.

What are the uses of Personal Loan for women?

A personal loan for women is an unsecured, multi-purpose loan. Women borrowers can use a personal loan for various reasons like a wedding, education, travel or vacation, medical emergencies, renovating the house and buying a vehicle to list a few.

How much time it takes to get a Personal Loan for women?

With Kotak Mahindra Bank’s instant in-principle approvals women borrowers can get a personal loan for women in as less as 3 seconds, provided your documentation and application is as required.

Ready to take the next step?


Frequently Asked Questions

What is the minimum income requirement for women to apply for a personal loan with Kotak Bank?

When applying for a person loan for women from Kotak, these minimum monthly income requirements need to be kept in mind:

- Existing Kotak Bank Customers holding Corporate Salary Account: Rs. 25,000

- Existing Kotak Bank Customers without Corporate Salary Account: Rs. 30,000

- Kotak Mahindra Bank’s employee: Rs. 20,000

How can homemakers get a personal loan?

Homemakers can get a personal loan if they have a salaried employee, that is, the father, husband or son, as their co-applicant. The loan approvals happen based on the co-applicant’s monthly income. Personal loan for women from Kotak Mahindra Bank is a lucrative alternative when you are looking to borrow.

Do women get Personal Loan at a lower interest rate?

Yes, women borrowers can avail of a personal loan at a comparatively lower interest rate. A lower interest rate reduces the overall repayment amount, encouraging women to become financially independent.

How do women improve their CIBIL score to get a personal loan?

CIBIL Score is an important eligibility factor when getting a personal loan. To improve the CIBIL Score women can focus on regular bill payments, clearing the dues in a timely manner and maintaining a healthy and clean financial track record.

Is any guarantor required while applying for personal loan for ladies ?

The need for a guarantor rises in different kinds of situations. Some of the major reasons can include:

     - Necessary requirement as per the lending bank’s rules and regulations

      - Poor CIBIL score

      - Lack of required academic qualifications

      - Job instability

      - Unstable income

How are personal loan EMIs calculated for women?

Kotak Mahindra’s Personal Loan EMI Calculator is at your service.  All you have to do is enter some details:

          - Loan amount

          - Desired interest rate

           - Repayment tenure

The calculator instantly displays your monthly EMI, interest amount and total loan amount payable.

Do women get discounts on various personal loan charges?

Women borrowers can enjoy a reduced interest rate on personal loans. Personal loan fees and charges at Kotak Mahindra Bank are quite nominal. Moreover, the lucrative loan features make the overall deal affordable for all borrowers, including the women applicants.

Do women get extra benefits while opting for a personal loan balance transfer?

Personal loan balance transfer helps to reduce your financial stress as your existing loan with higher interest rate is transferred to another lender providing a lower interest rate. However, apart from a reduced interest rate, women get no extra benefits.