Personal Loan - Know The Documents Required to Avail Personal Loan in Bangalore at Kotak Bank
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Digi Personal Loan

Personal Loan in Bangalore

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

Quick Disbursement of Personal Loans in Bangalore

Experience swift and hassle-free disbursement of instant Personal Loans in Bangalore with Kotak Mahindra Bank. Avail financial support promptly to meet your diverse needs without unnecessary delays. Benefit from a streamlined process, ensuring funds are credited in less than 30 minutes upon meeting all conditions. 

Features and Benefits for Personal Loans in Bangalore

  • Short-Term Repayment Tenure: Enjoy the flexibility of choosing a repayment period of up to 6 years based on your individual needs.
  • Financing up to ₹40 Lakh: Avail up to ₹40 Lakh Personal Loans in Bangalore from Kotak Mahindra Bank, subject to meeting necessary criteria.
  • Quick Disbursal: Experience swift approval with Kotak Mahindra's instant Personal Loans of up to ₹5 Lakh, credited in less than 30 minutes upon meeting eligibility criteria.
  • No Collateral Required: Benefit from unsecured and collateral-free Personal Loans from Kotak, eliminating the need for asset mortgages. 
  • Competitive Interest Rates: Enjoy flexible interest rates based on your credit score, starting as low as 10.99% p.a. with Kotak Mahindra Bank.
  • Simple Eligibility Criteria: Hassle-free eligibility for self-employed and salaried individuals aged 21-60 residing in India.

Lowest Personal Loan Interest Rates in Bangalore

Secure the best Personal Loan interest rates in Bangalore with Kotak Mahindra Bank. Here are the competitive rates based on the type of loan in Bangalore and the nature of employment:

Type of Loan Interest Rate
Personal Loan Starting from 10.99% p.a
Personal Loan Balance Transfer Starting from 10.99% p.a

Take advantage of these attractive rates and meet your financial needs with ease. Apply for a Personal Loan with Kotak Mahindra Bank today

Know Personal Loan Eligibility Criteria In Bangalore 

Understanding the eligibility criteria for Personal Loans is crucial when applying for an immediate Personal Loan in Bangalore. Check the updated requirements below:

  • Nature of Employment: Employed with an MNC, public or private limited company, or self-employed.
  • Age: Between 21 and 60 years.
  • Minimum Monthly Income:
    • For Kotak Mahindra Bank Salary Account holders: ₹25,000 net monthly income.
    • For non-Kotak Mahindra Bank Salary Account holders: ₹30,000 net monthly income.
    • For Kotak Mahindra Bank Employees: ₹20,000 net monthly income.
  • Minimum Educational Qualification: Graduation.
  • Work Experience: Minimum one year.

Documents Required for Personal Loan in Bangalore 

To streamline the application process for a Personal Loan in Bangalore, ensure you have the necessary documents ready. The required documentation varies based on the loan amount:

For Personal Loans Up to ₹5 Lakh:
  • PAN Card
  • Aadhaar Card
  • Last three months' bank statements of the salary account (not required if uploaded via net banking)

For Personal Loans Up to ₹40 Lakh:

  • Valid identity proof (PAN Card, Passport, Aadhaar card, Voter’s ID Card, or driving license)
  • Valid residence proof (passport, Aadhaar card, driving license)
  • Bank statement of the last three months with income details
  • Salary slip of the last three months (for salaried employees)
  • 2-3 passport-sized photographs
Ensure you provide these documents to start your Personal Loan application process effectively.

Steps to Apply for a Personal Loan Online in Bangalore

With Kotak Mahindra Bank, applying for a Personal Loan online in Bangalore is hassle-free. Follow these simple steps:

- Visit Kotak Bank's Website: Go to the Personal Loan page.
- Check Eligibility: Enter your details to assess your eligibility for a Personal Loan.
- Click 'Apply Now': Locate the 'Apply Now' button to initiate the loan process.
- Fill in the Details: Provide all the required details in the application form.
- Select Loan Amount and Tenure: Choose the preferred loan amount and repayment tenure that aligns with your financial requirements.
- Submit Documents: Upload the necessary documents for verification.
- Digital Agreement Authentication: Opt for a seamless digital agreement authentication process with Aadhar OTP-based verification.
Follow these steps to quickly secure an instant Personal Loan in Bangalore online from Kotak Mahindra Bank.

Uses of Personal Loan in Bangalore



No need to dip into your savings or cut back on costs. Enjoy a wonderful and worry-free family event and let Kotak Mahindra Bank’s marriage loan take the monetary pressure off your shoulders.



Stop pushing the much-deserved family vacation and start making plans to spend quality time with your loved ones. Kotak Mahindra Bank offers travel loan to fund your vacations to exotic places and dream destinations.


Medical Emergency:

Whether it is a sudden hospitalization or an accident, you can take care of any medical emergency with a medical loan from Kotak Mahindra Bank. We’ve got your back on this one.


Home Renovation

Your home deserves an upgrade too. Repair, Renovate or Revamp your house with a home renovation loan from Kotak Mahindra Bank.