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Frequently Asked Questions

What is Kotak Mahindra Bank's Personal Loan Interest Rate in Delhi?

Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.

How to get a personal loan balance transfer from Kotak Mahindra Bank in Delhi?

Juggling through high interest rates on personal loans can put a strain on one’s financial flow. Opting for a personal loan balance transfer when you have an ongoing loan with a different bank helps you reduce your debt burden. With lowest interest rates at Kotak Mahindra Bank, our applicants can avail the ease of a hassle free documentation - verification process alongside flexible loan repayment options. Here’s what you need to do to opt for personal loan balance transfer:


Speak to a Kotak Expert -

  • Dial our digits to reach out to Kotak experts to initiate the process.


Clear the Eligibility Criteria -

  • Graduate with 1 year work experience
  • Living in Delhi for 1 year
  • Minimum net salary of Rs. 20,000/- per month

Documentation -

To get the transfer process started, you will be required to submit the following

documents to the bank:

  • Proof of identity   
  • Proof of residence
  • 3 months’ bank statement
  • 3 months’ salary slips
  • 3 passport-sized photographs

Who can avail of a Personal Loan in Delhi?

Applicants should be:

  • Indian residents between the ages of 21 and 58 years
  • Living in Delhi for at least one year
  • Graduate individuals employed with either MNC, public or private limited company for at least one year
  • Salary-based criteria:

    Corporate Salary (Salary with Kotak): Rs. 25,000/- per month

    Non-Corporate Salary (Salary with other banks): Rs. 30,000/- per month

    Kotak Employees: Rs. 20,000/- per month

Why should you choose Kotak Bank's Personal Loan in Delhi?

Lowest interest rates, quick loan approvals, hassle-free documentation, flexible

usage and part prepayment facility are some of the reasons to borrow a personal

loan in Delhi from Kotak Mahindra Bank.

What are the documents required for availing a Personal Loan in Delhi?

Kotak Mahindra Bank requires the borrowers to provide the bank with minimal documentation. All you need to submit is one photograph, proof of identity, residence, signature, ownership and age and details about your bank account and income.

How do I calculate Personal Loan EMIs?

The Personal Loan EMI calculator on the Kotak website can help you find out how much EMI you may need to pay against a given loan amount. You can try out various permutations and combinations to find out the best rate possible. A Kotak expert can also guide you through this process.

How much can I borrow when I apply for a personal loan in Delhi?

Get one of the best personal loans in Delhi from Kotak Mahindra Bank. You can borrow a personal loan amount anywhere between Rs. 50,000 and Rs. 40 lakhs, so that you are able to cover many of your financial needs.

Based on your monetary requirement as well as your personal loan eligibility the loan amount is fixed. So, do check your loan eligibility before applying. Kotak Mahindra Bank also provides a personal loan eligibility calculator. That helps you to check your eligibility yourself. It’s a quick and easy tool available on Kotak Mahindra Bank’s website. Many factors determine your personal loan eligibility. They are: your monthly income, credit history and credit score, age, job type and location, employer’s history and so on.

If you are not eligible for a personal loan in Delhi, you can improve your eligibility. Focus on getting a better credit record and a salary increase. 

How long does it take to get personal loan in Delhi?

For easy, quick and hassle-free personal loan in Delhi, apply online through Kotak Mahindra Bank’s website. The loan application and approval process at Kotak Mahindra Bank is fast and convenient. Upon submitting the duly filled application and mandatory documents, the funds can be transferred to your bank account in as less as 3 seconds.


Simply visit Kotak Mahindra Bank’s website to apply for a personal loan in Delhi and follow the instructions. First of all, fill your application form online. While filling the form, make sure you provide the correct details. Submit the appropriate documents for a smooth approval, and your loan can be instantly approved.

Also check your personal loan eligibility with the help of a personal loan eligibility calculator to find out what loan amount can be borrowed. Personal loan eligibility calculator is available on Kotak website. You can also keep a track of your personal loan application status,here.