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For this, you can visit the nearest store where Kotak Smart EMI has a tie up. Click here to find the store near you.
Currently there is no option available to change the EMI due date. Payment due dates are as per the schedule shared in the loan sanction letter.
You can view your EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:
The sanction letter is sent to your registered Email ID available with the bank (as mentioned by you in the application form).
For more details you can visit the nearest store click here for list of stores.
It’s mandatory to pay first 3 EMIs then after, please write a mail to [email protected] for foreclosing the Smart EMI scheme. You will receive a mail from us with all the details.
The NOC letter will be sent to you registered Email ID within 7 working days after the completion of the loan. If in case you have not received the NOC, please write to us at [email protected] or call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
Your CIBIL score is your credit score. It reflects how well or how poorly you have dealt with loans or credit cards in the past. It is also known as ‘CIBIL TransUnion Score’. The higher your CIBIL score, the better your chances of getting a loan approved from the bank. A higher CIBIL score increases your chances of a loan approval from the lender or a bank.
We have taken your consent through an OTP that you gave us when you have filled your loan application at the store.
To make early repayments / foreclosure, you can write to us on [email protected] or call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
This depends on the product and the merchant. Certain products could attract processing fees from certain merchants. Rs.100 is payable towards stamp duties and allied services.
Basic KYC documents including:
Approval/rejection of financing is solely at the discretion of Kotak Mahindra Bank Ltd. If your loan application is not approved, you can re-apply after 90 days.
A down payment would depend on the scheme that is selected. Schemes get reviewed regularly and may change without any prior notice. Our representatives available at the respective stores will inform you.
EMI is payable on the due date of every month (as per the schedule shared in the loan sanction letter). If your payment is not deducted from your bank than you will receive text message for the same and the payment can be made at your nearest Kotak Mahindra Bank Ltd branch or through online payment (IFSC Code: KKBK0000631, Account Number: CFB (Consumer Finance Business) Loan Number).
Yes, through a text message on your registered mobile number.
There is no process for cancelling the loan. There is a process to foreclose the loan. For more details please call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays OR write to us on [email protected].
In case you need to change your EMI repayment account please visit the nearest RA (Retail Assets) branch click here for the branch list Or call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
In case you need to make changes to your banking details, please visit the nearest RA (Retail Assets) branch click here for the list and submit a NACH (National Automated Clearing House) mandate form + cancelled / 1 PDC (Post dated cheque) cheque of the new account bank from where you want your future EMI to be debited.
You can make your overdue payments through any Kotak Mahindra Bank branch OR through online payment (IFSC Code: KKBK0000631, Account Number: CFB (Smart EMI Business) Loan Number).
You can make your overdue payments through any Kotak Mahindra Bank branch OR through online payment (IFSC Code: KKBK0000631, Account Number: CFB (Consumer Finance Business) Loan Number).
Please send your statement details to [email protected]. We will process your request after checking your payment details. OR call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
Please send a mail to [email protected] OR call on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
You can view your total EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:
48 hours after the payment was deducted, please log a request to adjust the ‘EMI for next due’ or ‘for getting a refund into your account’ and write to customer care on [email protected] OR call us on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays.
You can buy a wide variety of consumer goods under Kotak Mahindra Bank’s Smart EMI. For example: air conditioners, televisions, Refrigerators, washing machines, microwaves, cameras, laptops, mobiles, tablets, kitchen appliances, and audio devices.
Salaried and self-employed individuals
Age: 21 to 65 years
Should have at least one year of total work or business experience
Debit Card EMI is the program offering EMI schemes to Kotak Bank customers who shop with their Debit Cards. Bank provides pre-approved limits to customers based on their relationship with the Bank and based on the Bank’s credit policies. Customers who enjoy pre-approved limit from the Bank can avail No Cost EMI and regular EMI by transacting with their Kotak bank Debit Card at selected stores.
The program is available across 27,000 merchant outlets / stores including all major retail chains like Vijay Sales, Croma, Reliance Digital, Sargam Electronics, Sathya Agencies, Vasanth & Co., Tirupati Electronics, Bajaj Electronics and many more. You can shop for your favourite home appliances, electronics, mobile phones, laptops, etc. using the DC EMI program. Click here for the list of stores where you can avail DC EMI using your Kotak Debit Card.
You can check your eligible limit by sending DCEMI<space><Last 4 digits of Kotak Debit Card Number> to 5676788 from your mobile number registered with the bank.
The sanction letter is sent to your registered Email ID available with the bank in which you can check your EMI details and to know current status, you can call on 1860 266 7777 (Local call rates apply) between 09:00 AM to 07:00 PM from Monday to Saturday, excluding holidays or write an email to [email protected].
You can foreclose the loan by visiting the nearest Kotak Bank branch and placing a request for foreclosing the loan by citing the APAC ID (loan account number) to the branch representatives. Bank may charge early loan closure charges.
Cancellation of order / loan are not permitted under Kotak DC EMI.
If a concerned dealer replaces a defective product, your loan booked with Kotak Bank still continues with the original scheme under which it was booked. Hence, if the loan is originally booked under No Cost EMI scheme, the same would continue upon replacement also.
First EMI will be deducted as per the schedule shared in the loan sanction letter from your account linked to the debit Card used for doing the DCEMI transaction. Currently there is no option available to change the EMI due date. Payment due dates are as per the schedule shared in your loan sanction letter.
Your bank account will be debited for only Re.1/- for authorization. The loan amount, however, will be charged from the pre-approved limit assigned to you by Kotak Bank. You need to pay monthly installments to Kotak Bank as per the EMI tenure selected by you.
You will need to make the complete payment of ₹ 20,000 using DC EMI option. Partial down payment is not permitted in DCEMI.
Kotak Bank will auto-enable standing instruction on your primary savings/current account to enable debit of monthly instalments. Please ensure to maintain sufficient balance in your account to cover for EMI.
No cost EMI is available on select product / brands / merchant outlets / stores. To check if your product / store offers No cost EMI, please inquire at the payment counter or with the Kotak Bank representatives stationed at the stores for available EMI schemes.
For most of the products that we offer EMIs for, there are minimal processing fees varying from Rs. 99 to Rs. 2,999.
Any purchases above ₹ 5,000/- can be made using DC EMI.
Currently Kotak DC EMI is available with 3/6/9/12 month EMI tenures.
All schemes with Kotak DC EMI are not No Cost EMI schemes. No Cost EMI schemes are applicable on selected products / brands / stores. However, you can also choose to purchase the product of your choice under normal EMI schemes where interest will be levied on the EMI. You can check the scheme details at the respective stores either from the store representatives or from the Kotak representative present at the stores.
General Framework for operating DCEMI
The following terms and conditions apply to no cost equated monthly installment ("EMI") transactions made using a debit Card issued by Kotak Bank providing an EMI facility to its debit Card holders and using EMI facility as a payment option ("No Cost EMI").
Smart EMI Card is the program offering payment on EMI for all approved transactions. Every transaction done with the Smart EMI Card automatically gets converted to EMIs at the choice of the customer.
Currently, you can visit the nearest partner retail outlet and request for a Smart EMI Card while making a purchase with Kotak Smart EMI.
We will be soon coming up with more avenues for you to request for a Smart EMI Card without being a Kotak customer. In the meantime, you can try any of the above-mentioned ways.
The Smart EMI Card has an issuance fee of ₹ 499 and an annual fee of ₹ 299.
With the Smart EMI Card you can convert transactions as low as INR 5000 into EMI.
The following terms and conditions apply to no cost equated monthly installment ("EMI") transactions made using a debit card issued by Kotak Bank providing an EMI facility to its debit card holders and using EMI facility as a payment option ("No Cost EMI").
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