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Personal Loan in Pune

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Frequently Asked Questions

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

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 Pune?

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 Pune 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 Pune??

Applicants should be:

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

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 Pune from Kotak Mahindra Bank.

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

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 Pune?

Some of the best personal loans in Pune are provided by Kotak Mahindra Bank at attractive rates of interest. With our personal loan in Pune you can cover a wide variety of your financial needs. The personal loan amount starts from Rs. 50,000 and it can go upto Rs. 40 lakhs. So, as per your monetary requirement and personal loan eligibility you can borrow a suitable loan amount to fill the financial gap you may be facing.

Your personal loan eligibility is an important factor to determine your loan amount. It depends on 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 before applying for a personal loan from Kotak Mahindra Bank. It is possible to improve your eligibility by improving your monthly income and credit record.


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

Borrowing a personal loan in Pune is convenient because of Kotak Mahindra Bank’s easy, quick and hassle-free loan application and approval process. With our simple and fast online processes you can get the funds disbursed to your bank account in as less as 3 seconds. All you need to remember is filling the details correctly and submitting all the essential documents. 

To get a personal loan in Pune just visit the website of Kotak Mahindra Bank. Then follow the simple instructions provided on the website to apply for a personal loan. To begin with, fill in your application form. Then submit the correct details and documents. Your personal loan will be instantly approved.

Before you apply for a personal loan in Pune from Kotak Mahindra Bank, remember to check your loan eligibility. Also check the list of mandatory documents to avoid missing out any requirements. Track your personal loan application status here.