Axis Bank vs Kotak Mahindra Bank Personal Loan: Which Should You Choose?
A side-by-side comparison of Axis Bank and Kotak Mahindra Bank personal loan on the things that affect your wallet. Figures are illustrative 2026 ranges — your actual offer depends on your profile.
Axis Bank
Personal Loan
- Interest rate
- from 10.99% p.a.
- Max amount
- ₹40 Lakh
- Max tenure
- 5 years
- Processing fee
- up to 2%
Kotak Mahindra Bank
Personal Loan
- Interest rate
- from 10.99% p.a.
- Max amount
- ₹35 Lakh
- Max tenure
- 6 years
- Processing fee
- up to 3%
The verdict
Axis Bank and Kotak Mahindra Bank advertise similar starting rates, so your actual offer will come down to your credit profile, income and existing relationship. Compare both with a soft check and pick the lower total cost.
Compare your real offersSoft check — won't affect your credit score.
Choose Axis Bank if…
- • Loans up to ₹40 Lakh
- • Tenure up to 5 years
- • Part-prepayment options
Choose Kotak Mahindra Bank if…
- • Fast digital approval
- • Loans up to ₹35 Lakh
- • Flexible tenure
Axis Bank vs Kotak Mahindra Bank — FAQs
Which is better, Axis Bank or Kotak Mahindra Bank personal loan?+
Axis Bank and Kotak Mahindra Bank advertise similar starting rates, so your actual offer will come down to your credit profile, income and existing relationship. Compare both with a soft check and pick the lower total cost.
Is Axis Bank or Kotak Mahindra Bank cheaper for a personal loan?+
Axis Bank starts from 10.99% p.a. and Kotak Mahindra Bank from 10.99% p.a., but your final rate depends on your credit score and income. Always compare the total cost (rate + fees) over the full tenure.
Can I compare Axis Bank and Kotak Mahindra Bank on RupeeQuik?+
Yes. Compare your eligible offers from both with a soft credit check that doesn't affect your score, then apply to the best-fit option.
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