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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The Kotak Mahindra Bank Personal Loan by Kotak Mahindra Bank is a premium offering featuring 10.99% interest rates. Key benefits include Fast Disbursal, Life Insurance Cover. Most suitable for users seeking Best for salaried professionals in...
Kotak Mahindra Bank
Kotak Mahindra Bank Personal Loan
Data Verified
Last checked: 25 Feb 2026Best for salaried professionals in metropolitan cities who prioritize customer service and part-payment flexibility.
Hassle-free personal loans with quick approval, attractive interest rates, and minimal documentation for diverse financial requirements.
Fast DisbursalLife Insurance CoverTop-up LoanOnline ManagementPart-payment Facility
Interest Rate
10.99%
Starts From p.a.
Max Tenure
5 Yrs
60 Months
Loan Amount
to
Up to ₹25 lakh
Value Calculator
AI Powered
₹25,000
MinMax
12
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Monthly EMI
₹2,209
Total interest: ₹1,513
Expert Verdict
"Kotak offers a solid personal loan product with a focus on ease of application. Their starting rate of 10.99% makes them a strong private sector contender. The part-payment facility after 12 months is a great feature for those wanting to reduce debt early. Verdict: Excellent customer service and flexible terms."
Key Privileges
EligibilityAge 21-58, Salaried, Min 1 year work experience
Processing FeeUp to 3.00% + GST
PrepaymentUp to 4% + taxes
Lock-inNone
DocumentationIdentity proof, Residence proof, 3 months bank statement
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700+
- Min. Income₹25,000 per month
- EmploymentSalaried/Self