Kotak Mahindra Bank Personal Loan— Interest Rates, Eligibility & How to Apply
Kotak Mahindra Bank offers personal loans with quick digital approval and flexible tenures for salaried customers.
Soft check — comparing won't affect your credit score.
Kotak Mahindra Bank Personal Loan at a glance
Interest rate
from 10.99% p.a.
Max amount
₹35 Lakh
Max tenure
6 years
Processing fee
up to 3%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose Kotak Mahindra Bank?
- Fast digital approval
- Loans up to ₹35 Lakh
- Flexible tenure
- Balance-transfer options
Kotak Mahindra Bank Personal Loan eligibility
- Salaried, age 21–60
- Net monthly income ₹25,000+
- Credit score 750+ preferred
How to apply via RupeeQuik
1. Compare
See your eligible personal loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
Kotak Mahindra Bank Personal Loan — FAQs
What is the interest rate on a Kotak Mahindra Bank personal loan?+
Kotak Mahindra Bank personal loan interest rates start from around 10.99% p.a. The exact rate depends on your credit score, income and profile. Compare your eligible offers on RupeeQuik before applying.
How much personal loan can I get from Kotak Mahindra Bank?+
Kotak Mahindra Bank offers personal loans up to ₹35 Lakh, subject to your income and eligibility. Use RupeeQuik's eligibility calculator to estimate your amount.
What documents does Kotak Mahindra Bank need for a personal loan?+
Typically PAN, Aadhaar, recent salary slips and bank statements. Many applications are now fully digital with minimal paperwork.
How long does Kotak Mahindra Bank take to approve a personal loan?+
Approvals are often within 24–72 hours, and pre-approved customers can get near-instant disbursal.
