Kotak Mahindra Bank Personal Loan Up to ₹35 Lakhs

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Kotak Mahindra Bank Personal Loan Up to ₹35 Lakhs

Get up to ₹35 lakhs with Kotak Personal Loan—zero collateral, flexible tenure, and quick digital KYC for easy and fast approval.

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Details for Kotak Mahindra Bank Personal Loan Up to ₹35 Lakhs

Kotak Personal Loan offers up to ₹35 lakhs with zero collateral requirement, making it ideal for urgent financial needs. Choose flexible repayment terms ranging from 1 to 6 years. With simple digital documentation and video KYC using your Aadhaar card, the process is fast and hassle-free. A processing fee of up to 5% plus taxes is deducted at disbursal. Whether it's for travel, medical, or personal use, this loan ensures quick access to funds without paperwork stress.

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Loan Amount

Up to 35,00,000/-

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Interest Rate

Starting at 10.99% to 16.99% per annum

Age

  • Individuals aged between 21 years and 60 years are eligible.

CIBIL Score

  • A CIBIL score of 730 or above is generally considered good for approving a personal loan.

Required Documents

  • Identity proof: PAN Card, Passport, Aadhaar card, or Driving licence
  • Residence proof: Passport, Aadhaar card, or Driving licence
  • Income proof: Salary slips for the last three months (salaried employees) or ITR for the last two years (self-employed)
  • Bank statements for the last three months.

Nature of Employment

  • Salaried - MNC, public limited company, or private limited company

Minimum Monthly Income

  • Kotak Bank Salary Account holders: ₹ 25,000 minimum net monthly income
  • Non-Kotak Bank Salary Account holders: ₹ 30,000 minimum net monthly income
  • Kotak Bank employees: ₹ 20,000 minimum net monthly income

Loan Processing Charges

  • Up to 5% of the final loan amount plus taxes. Will be deducted from the loan amount at the time of disbursal.

Minimum Work Experience

  • At least one year of work experience is required.

Features

  • Zero Collateral - No need to mortgage property
  • Loan Amount & Tenure - Maximum up to ₹ 35 lakhs can be availed for 1 to 6 years
  • Digital KYC - Easy documentation with video KYC using Aadhaar card

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Kotak Mahindra Bank Personal Loan Up to ₹35 Lakhs EMI Calculator

Principal amount

₹1,00,000

Interest amount

₹542

Total amount payable

₹1,00,542

Your Monthly EMI is ₹8,379
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