HDFC Bank vs Kotak Mahindra Bank Personal Loan: Which Should You Choose?
A side-by-side comparison of HDFC 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.
HDFC Bank
Personal Loan
- Interest rate
- from 10.5% p.a.
- Max amount
- ₹40 Lakh
- Max tenure
- 6 years
- Processing fee
- up to 2.5%
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
HDFC Bank advertises a lower starting rate (from 10.5% p.a. vs 10.99% p.a.), but the rate you actually get depends on your credit profile and income. Kotak Mahindra Bank may still win on amount, tenure or speed for your situation — so compare your real offers from both before deciding.
Compare your real offersSoft check — won't affect your credit score.
Choose HDFC Bank if…
- • Disbursal in as little as a few hours for pre-approved customers
- • Loans up to ₹40 Lakh
- • Flexible tenure up to 6 years
Choose Kotak Mahindra Bank if…
- • Fast digital approval
- • Loans up to ₹35 Lakh
- • Flexible tenure
HDFC Bank vs Kotak Mahindra Bank — FAQs
Which is better, HDFC Bank or Kotak Mahindra Bank personal loan?+
HDFC Bank advertises a lower starting rate (from 10.5% p.a. vs 10.99% p.a.), but the rate you actually get depends on your credit profile and income. Kotak Mahindra Bank may still win on amount, tenure or speed for your situation — so compare your real offers from both before deciding.
Is HDFC Bank or Kotak Mahindra Bank cheaper for a personal loan?+
HDFC Bank starts from 10.5% 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 HDFC 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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