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Personal Loan in Kolkata

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Frequently Asked Questions

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

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 Kolkata?

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 Kolkata 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 Kolkata?

Applicants should be:

  • Indian residents between the ages of 21 and 58 years
  • Living in Kolkata 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 Kolkata?

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 Kolkata from Kotak Mahindra Bank.

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

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 Kolkata?

You can borrow a personal loan in Kolkata from Kotak Mahindra Bank anywhere between Rs. 50,000 to Rs. 40 lakhs. Right from smaller financial requirements to financial emergencies, Kotak Mahindra Bank’s personal loans can help you take care of various financial requirements. The rates of interest are also attractive and start from as low as 10.99% per annum. So, you can easily borrow a personal loan in Kolkata from Kotak Mahindra Bank based on how much funds you need.


Keep in mind that your personal loan amount is impacted by your personal loan eligibility, which means, depending on certain factors, the loan amount you are allowed to borrow gets fixed. These factors include: your monthly income, credit history and credit score, age, job type and location, employer’s history and so on. You can easily determine your loan eligibility with our personal loan eligibility calculator and even improve it. 

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

Getting a personal loan in Kolkata can be fast and easy when your lending bank is Kotak Mahindra. Our hassle-free loan application process makes it convenient for the borrowers to avail a personal loan in Kolkata. When the documentation is right and all the required details are duly filled at the time of application, your personal loan can be transferred to your bank account in as less as 3 seconds. 

To get a personal loan in Kolkata simply visit Kotak Mahindra Bank’s website and apply for a personal loan. You can start by filling your application form online. The loan will be instantly approved if documentation and details are complete.

Remember to check your eligibility, list of mandatory documents and other requirements before applying for a personal loan in Kolkata. Tracking your personal loan request is also quite easy with Kotak Mahindra Bank. You can  track the personal loan application status here.