Personal Loan in Delhi

The largest spice market of Asia and the capital of several kingdoms and empires in the past, Delhi is truly the jewel in the crown of the country. Stitched with the fabric of iconic history, Delhi is a place of possibilities, policies and priceless offerings. One of the largest cities in the country with its humongous population, it is also regarded as one of the most productive metro areas in the country as per the metro economy. With the roots of the retail industry spreading far and wide, Delhi is abuzz with a host of activities all the time. Living in a metropolitan city that offers you the old world charm as well as modern day systems and utilities speaks for the cost of living. Charting out your personal finances in a thickly populated and advanced city like Delhi can be challenging.


But with Low Interest Personal Loans offered by Kotak Mahindra Bank in Delhi, your journey of personal finance can be smooth sailing. Be it a wedding, home renovation, medical bills, foreign trip, or any other expense, our easy to avail, quick, and low-documentation personal loans help you meet all your personal finance needs. All you have to do is check your eligibility for a personal loan in Delhi, submit the required documents and get an easy personal loan without having to cut back on your lifestyle in this city.


Benefits of Kotak Mahindra Bank’s Personal Loan in Delhi


Meet your personal finance needs with Kotak Mahindra Bank’s personal loan. Kotak Mahindra Bank not only offers the lowest personal loan interest rate in Delhi, but also ensures an overall ease of process, that too from the comfort of your home.

Be it shedding more light on the procedure of applying for a loan, verifying personal loan eligibility criteria or helping you with the formalities, our Kotak experts are with you on every step.


In addition to this, here’s why a personal loan in Delhi from Kotak Mahindra Bank can prove to be your best choice.



Amazing benefits, discounts and offers available to Kotak Bank Customers on a personal loan.


  • Loan amounts ranging from Rs. 50,000/- (Rupees Fifty Thousand Only) to Rs. 20,00,000/- (Rupees Twenty Lakhs Only)
  • Instantly determined personal loan eligibility
  • Attractive personal loan interest rate
  • Flexible repayment options
  • Personal loan calculator to easily check the EMI amount
  • Hassle-free documentation process
  • Special interest rates and lower personal loan charges for employees of top companies


Uses of Personal Loan in Delhi



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.



Personal Loan Guide

Ready to take the next step?


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 10.25% per annum. In some cases, however, it can be charged at 10.75% 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. 25 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.