Kotak Personal Loan Interest Rates 2023, EMI Eligibility Calculator

Are you looking for Kotak Bank Personal Loan – Get quotes on Interest Rates, Documents, processing fees, charges, Eligibility, Loan Amount at emicalculator-india. Kotak bank offers personal loans for salaried, self employed, doctors, lawyers, engineers, professionals. Apply for Personal Loan @ 10.99%*p.a Easy EMIs. Loans Upto Rs.15 Lacs

You can apply Personal loan with Kotak Bank to meet your unexpected financial expenses like Child’s Higher Education, Car/Two Wheeler Purchase, Debt Consolidation, Family Functions, Vacation /Marriage. Attractive interest rates, quick approvals & minimal hassles makes the Kotak bank a wonderful product to you.

Kotak Bank Personal Loan Quick Apply

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Disclaimer: We do not provide Personal Loans but help you to connect with banks to get best deals.
All loans are on sole discretion on the respective banks

Kotak Bank Personal Loan Interest Rates

Interest Rate 10.99% onwards
Processing Fee Upto 2.5% of the loan amount+ GST and other applicable statutory levies
Repayment Period Up to 5 years
Income Required 25000 per month
Forclosure Charges 5% + GST on principal outstanding

Why to Apply for Kotak Bank Personal Loans?
Borrowers can apply for Personal Loan with Kotak Mahindra Bank at Low Interest Rates. Secured & Hassle Free Process & instant approval of loan.

  • Avail loans from Rs. 50,000/- to Rs. 15 lakh
  • Flexible repayment options – Loan tenors range from 12-60 months for salaried individuals
  • Bank Doorstep Service
  • Minimal paperwork and hassle free processing – No security or collateral required
  • Attractive interest rates

Loan Processing Charges – Upto 2% of the loan amount+ service tax and other applicable statutory levies
Prepayment Interest / Forclosure charges – Lock in period for 12 months. After 12 months, 5% foreclosure charges + service tax on principal outstanding

Kotak Bank Personal Loan Branch Address

Kotak Mahindra Bank Branches for Personal Loans In Delhi

  1. G-5-13, Plot No.1&2, Basement B – 4, Local Shopping Centre, Pamposh Enclave, Greater Kailash I, New Delhi – 110048
  2. G-39, Outer Circle, Connaught Place, New Delhi – 110001
  3. M-3 – Hauz Khas Enclave, Aurobindo Marg
  4. D-30, Ground Floor, Lajpatnagar 2
  5. 5 C/1, Ground Floor, New Rothak Road, Karol Bagh
  6. 04/05, Desh Bandhu Gupta Road, Paharganj
  7. M-11, Guru Harkishan Nagar, Paschim Vihar

Kotak Mahindra Bank Branches for Personal Loans In Mumbai

  1. Indira Apartments, Ground Floor, M.L. Dhanukar Marg, Alta Mount Road, Mumbai – 400026, Maharashtra.
  2. Satelite Silver, Andheri Kurla Road, Andheri (East)
  3. Building NO. 1, Unit No. 002 102, Raheja Classique complex, New Link Road, Andheri (W), Andheri (West), Mumbai – 400053, Maharashtra.
  4. A Wing, Dev Prestige, Grnd Flr, Veera Desai Road, Azad Nagar, , Andheri (West), Mumbai – 400058, Maharashtra.
  5. Plot No.509, “Sharada”, 32Nd Road, Opp. R.D.National College, Bandra West, Bandra (West), Mumbai – 400050, Maharashtra.
  6. Ground Floor and Basement Floor, Aditya Towers,Chandavarkar Road, Borivali (W), Borivali (West), Mumbai – 400092, Maharashtra.
  7. 804/A, Ground Floor, Ghamat Lodge, Dr. Ambedkar Road, Tt Terminus, Dadar East, Dadar (East), Mumbai – 400014, Maharashtra.

Kotak Mahindra Bank Branches for Personal Loans In Bangalore

    1. Shop No 58 59, Sree Complex, Bhavani Housing Co-operative society Ltd, T Block, Banashankari 3rd Stage Kathriguppe, Banashankari, Bangalore – 560085, Karnataka.
    2. #5, B. Nanjaih Complex, 4th Block, Katriguppe Circle, Banashankari 3rd Stage, Bangalore – 560085
    3. No.220/3/54, Siddappa Compound, Hosur Main Road, Bommanahalli, Bangalore – 560068, Karnataka.
    4. 33, Ground Floor, D K Complex, Devasandra Main Road (Near Bvnh School), K R Puram Post, Bangalore – 560036
    5. Ground Floor, #837/1, Binnamangla, 1st stage, Indiranagar, 100 Ft Road, Indira Nagar, Bangalore – 560038
    6. Santosh Tower, 15th Cross Road, 4th Phase, J.P. Nagar, J P Nagar, Bangalore – 560078, Karnataka.
  1. Tunga Complex, 32 ‘A’ Cross, 7th block, Jayanagar, Bangalore – 560082, Karnataka.

Kotak Mahindra Bank Branches for Personal Loans In Chennai

  1. 21, 2nd Avenue, M G Road, Shastri Nagar, Adayar, Chennai – 600020, Tamil Nadu.
  2. No.5107, H2, Second Avenue, Anna Nagar, Chennai – 609001, Tamil Nadu.
  3. New No.44 (Old No.6), Second Avenue, Ashok Nagar, Chennai – 600083, Tamil Nadu.
  4. Jade Terrace,Door No.27/1-A, Ground Floor, Balfour Road, Kilpauk, Chennai – 600010, Tamil Nadu.
  5. Sri Hari Building, Ground floor, Door No. 337, Block No. 24 T. S. No. 64 70, Puliyur Village, Arco Road, Kodambakkam, Chennai – 639114
  6. Door No. 70 / 1, Medavakkam Main Road, Madippakkam, Kancheepuram Dist, Chennai – 600091, Tamil Nadu
  7. 52/A, Sterling Road, Nungambakkam, Chennai-600034
  8. TSS Manore,Ground Floor, No:10,Lakshmi Nagar, Arcot Road,Porur, Chennai – 600116
  9. Ground Floor, Shree Essarar Towers, 41 Venkatnarayana Road, T.Nagar, Chennai – 600017

Kotak Mahindra Bank Branches for Personal Loans In Coimbatore

  1. Skanda Square, 727, Avinashi Road, Coimbatore – 641018, Tamil Nadu
  2. Door No.10, Annur Road, Mettupalayam, Coimbatore – 641301, Tamil Nadu
  3. Ground floor, New No. 91, Old No.123, Raja Street, Coimbatore – 641001
  4. 415 &416, Nsr Road, Sai Baba Colony, Coimbatore – 641011, Tamil Nadu

Kotak Mahindra Bank Branches for Personal Loans In Ahmedabad

  1. P.B.No.4038, Chanakya Building, Near Dinesh Hall, Off Ashram Road, Ahmedabad, Ahmedabad – 380009
  2. Shop no.G-1 2, C-1, Vikram Chambers, Ashram Road, Ashram Road , Ahmedabad – 380009, Gujarat.
  3. Ground Floor, Shop No. 1,2,3 Part 4, General Bank Chambers, C G Road, Ahmedabad – 380009, Gujarat
  4. Ground Floor, Rembrandt Building, Cg Road, Ellis Bridge, C.G. Road, Ahmedabad – 380006, Gujarat
  5. Tobhan Smruti, Block No 565, Sarkhej Bavla NH 8A, Changodar, Sanand, Ahmedabad – 382213, Gujarat
  6. Prime Plaza Satya Marg, Judges bungalow Road, Bodakdev, Ahmedabad. Pin Code – 380054

Kotak Mahindra Bank Branches for Personal Loans In Gurugram

  1. Super Mart 1, DLF Phase IV, DLF Phase 4, Gurgaon – 122007, Haryana
  2. Arjun Marg Branch, Ground Mezzanine Floor, Shop No.- 27 28, Shopping Mall Complex, DLF Qutub Enclave Complex, Phase – 1, Gurgaon – 122002, Haryana
  3. Shop No.3,3A,3B 4, Amrapali Commercial Cum Corporate Hub, Tower-J Sector 2, IMT Manesar, Gurgaon – 122050, Haryana
  4. Block B, Ground Floor, Vatika Atrium, Golf Course Road, Gurgaon – 122002, Haryana
  5. SCO – 90, Sector 10A Market, Gurgaon – 122001, Haryana.
  6. SCO-91 Urban Estate Sector 22, Gurgaon – 122015, Haryana.

Kotak Mahindra Bank Branches for Personal Loans In Hyderabad

  1. No.4-1-317 To 319, Troop Bazar, Abid Road, Hyderabad – 500001, Telangana.
  2. 8-2-120/76/1/B, Ground Floor, Ashoka Hitech Chambers, Road No.2, Banjara Hill, Banjara Hills, Hyderabad – 500034, Telangana
  3. Office Unit No.1 Ground floor S, Hreeja Classic, Plot No.51, H.No.1-6-51/E/1, Anupuram Main Road [A.S. Rao Nagar], Kapra village and Circle,GHMC, AS Rao Nagar, Hyderabad – 500062, Andhra Pradesh
  4. 1315, Bhel Mig Colony, Ramachandrapuram, Bhel Township, Hyderabad – 502032, Telangana.
  5. 3-8/1, Ground Floor, Hanuman Nagar Road, Chaitanyapuri, Dilsukhnagar, Hyderabad – 500036, Andhra Pradesh
  6. St. Joseph’S Public School Premises, 1-3-183/40/A, I Floor, Gandhinagar, Hyderabad – 500080, Telangana
  7. 3-6-140/A, City Centre Complex, Himayatnagar, Himayat Nagar, Hyderabad – 500029, Andhra Pradesh
  8. Uptown Jubilee House Plot No 237, Jubilee Hills Co-op Housing Society Road No 36 Jubilee Hills , Hyderabad – 500033, Andhra Pradesh
  9. 12-6-2/219/1, Jaya Complex, Kukatpally, Hyderabad – 500072, Telangana.

Kotak Mahindra Bank Branches for Personal Loans In Kochi

  1. Pams Palace , Palace Road, Mattancherry, Kochi – 682002, Kerala.
  2. 34/2289 D Mathewsons Centre Point, Mamagalam, Palarivattom, Ernakulam, Kochi – 682025, Kerala.
  3. 32/1172, A-1, Ground Floor, Veerath Complex, Palarivattom, Palarivattom, Kochi, Kochi – 682025, Kerala.

Kotak Mahindra Bank Branches for Personal Loans In Pune

  1. Shop No 104, First Floor, Sunit Capital, Senapati Bapat Road, , Senapati Bapat Marg, Pune – 411016, Maharashtra.
  2. Ground Floor, Milkat No 795, Gunawadi, Baramati, Pune – 413102, Maharashtra.
  3. 71/1A/2, – “Madur Engineers Pvt Ltd, General Block, Telco Road, MIDC, Bhosari, Pune, Maharashtra – 411026
  4. Shubhmangal Plaza, Talegaon Chowk, Pune-Nashik Highway, Chakan, Pune – 410501
  5. Shop Nos.9 To 13, Ground Floor, Empire Estate, Cts No.4510/1, Bombay Pune Road, Next To Garware Nylons Chinchwad Maharash, Pune – 411019

Kotak Mahindra Bank Branches for Personal Loans In Navi Mumbai

  1. X-5/3 – Techno City, TTC Industrial Area, Mahape, Navi Mumbai, Maharashtra – 400701
  2. Sharda Terraces, Plot No 65, Sec – 11, CBD Belapur, Navi Mumbai – 400614
  3. 47/48, Arenja Corner Premises CHS, Palm Beach Road, Sector-17, Vashi, Navi Mumbai – 400703, Maharashtra
  4. Ground floor, Shop No.2, Karnala Royal Soc, MTNL Road, Next to MTNL Office, Old Panvel, Navi Mumbai – 410206, Maharashtra

Kotak Bank Personal Loan FAQs – Frequently Asked Questions

Personal Loan from Kotak Mahindra is an unsecured (do not put any type of security) loan provided by a bank and non-banking financial company (NBFC) based on – income, previous credit record, repayment capacity, employment type and more.

What is Kotak Bank personal loan?

This is a unsecured loan and helps you to meet your financial requirements. You don’t usually need to pledge any asset as collateral or security for availing personal loan. It is totally based on your credit record and CIBIL Score.

How to apply for personal loan from Kotak Bank?

You can apply easily online for personal loan at emicalculator-india.

What are the Interest Rates charged from Kotak Mahindra?

Interest rate is the value that borrower have to pay on the principal loan amount.

What is Personal Loan EMI Calculator?

It is online tool that help to calculate personal loan emi, give you an idea about interest to be paid.

Eligibility criteria for Kotak Personal Loan?

  • One must have a regular source of income.
  • Salaried individual, self-employed business person or a professional both are eligible.
  • One must have proper credit record and good CIBIL.
  • Final amount sanctioned will depend on your income and eligibility and some other factors as per the lender’s criteria.

Can I foreclose or prepay my Personal Loan?

Yes, you can foreclose or prepay your personal loan, most of lender allow foreclosure after 12 EMI, it depend on lender to lender. And also you have to pay pre-closure charges of 2% to 5% of principle loan amount. For prepay, payment can be made through cash, cheque or demand draft.

Processing fee for Kotak Mahindra Personal Loan?

Processing fee is depend on bank to bank and lender to lender basically it is 2% to 4% of sanction loan amount.

Top-up facility on existing Personal Loan from Kotak?

Top Up facility is available for those who have paid 12 EMI on the existing Personal Loan. You can Place the request for Top up on existing Personal. The facility is based on your existing personal loan record.

How do I repay the Personal loan?

You can repay the loan in Equated Monthly Instalments (EMIs). You can pay your EMI through auto debit, ECS, PDC.

What are the loan tenure options for Personal Loan?

12 months to 60 months.

Who can become a co-applicant?

For self-employed: Son, Daughter, partners with at least 51% Stake to be taken co-applicant, one director to be taken co-applicant.

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