Kotak Mahindra Bank Personal Loan – Fast Approval & Low Interest Rates with Indicred
Unexpected expenses or planned goals like weddings, travel, education, home renovation, or medical emergencies often require quick funds. Kotak Mahindra Bank Personal Loan provides fast approval, competitive interest rates, and flexible repayment options. By applying through Indicred, you can enjoy a seamless online application process with expert guidance and quick disbursal.
Max. Loan Amount
Up to ₹40L
Rate of Interest
10.49% p.a. onwards
Tenure up to
Up to 5 years
Processing Fee
2% - 8%
✅ Why Choose Kotak Mahindra Bank Personal Loan?
Quick Disbursal – Funds credited within 24-48 hours.
Low Interest Rates – Starting from 11% p.a.
Flexible Repayment – Tenure ranging from 12 to 60 months.
High Loan Amount – Borrow up to ₹25 lakhs.
No Collateral Required – 100% unsecured loan.
Minimal Documentation – Simple and fast application process.
📌 Features of Kotak Mahindra Bank Personal Loan with Indicred
Loan Amount: ₹50,000 to ₹25 Lakhs
Interest Rate: Starting from 11% p.a.*
Tenure: 12 months to 60 months
Approval: Quick processing with minimal documentation
Unsecured Loan: No collateral or guarantor required
Flexible Usage: Funds can be used for weddings, education, travel, medical emergencies, home renovation, or debt consolidation
⚡ Benefits of Applying via Indicred
Choosing Indicred to apply for your Kotak Mahindra bank personal loan comes with unique advantages:
Quick Online Application – Apply from anywhere, anytime.
Compare & Choose – Get the best offers tailored for you.
Transparency – No hidden charges or false promises.
Expert Assistance – Guidance throughout the loan process.
Pan-India Access – Apply from any city across India.
📝 Eligibility Criteria for Kotak Mahindra Bank Personal Loan
To qualify, you need to meet the following requirements:
Age: 21 – 58 years (salaried/self-employed)
Employment: Salaried, self-employed, or professionals
Minimum Income: ₹25,000 per month (varies by city)
Credit Score: 700+ preferred
Work Experience: Minimum 1–2 years in current employment or business
📂 Documents Required
Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID
Address Proof: Aadhaar, utility bills, Passport, or Rental agreement
Income Proof: Latest 3 months’ salary slips / ITR / bank statements
Employment Proof: Company ID, employment letter, or business registration documents
💡 How to Apply for Kotak Mahindra Bank Personal Loan with Indicred?
Visit Indicred.in and navigate to Personal Loan.
Fill out the online form with basic details.
Upload required documents for verification.
Get instant eligibility check & loan offer.
Choose the best loan option and proceed.
Loan disbursal directly to your bank account.
🎯 Adwantages of Kotak Mahindra Bank Personal Loan
Affordable EMIs with flexible tenure up to 5 years
Multipurpose usage without restrictions
Prepayment and foreclosure allowed after the lock-in period
Trusted private bank with excellent customer service
🏦 Use Cases of Kotak Mahindra Bank Personal Loan
An Kotak Mahindra Bank personal loan can be used for multiple financial needs:
Wedding expenses
Higher education
Travel & holidays
Medical emergencies
Home renovation
Debt consolidation
Kotak Mahindra Bank Personal Loan FAQs
You can avail up to ₹25 Lakhs depending on eligibility.
With Indicred, approval is almost instant, and disbursal happens within 24–48 hours.
No, it is an unsecured loan, so no collateral is needed.
Yes, prepayment and foreclosure are allowed after the minimum lock-in period.
Rates start at 11% p.a., depending on your profile, income, and credit score.
Personal Loan Providers
Kotak Mahindra Bank Personal Loan EMI Calculator
EMI Schedule
| Month | EMI | Principal | Interest | Opening Balance | Closing Balance |
|---|
Latest Personal Loan Articles
Personal Loans City Wise
Personal Loan Delhi | Personal Loan Mumbai | Personal Loan Bangalore | Personal Loan Chennai | Personal Loan Kolkata | Personal Loan Hyderabad | Personal Loan Pune | Personal Loan Ahmedabad | Personal Loan Jaipur | Personal Loan Surat | Personal Loan Kanpur | Personal Loan Lucknow | Personal Loan Nagpur | Personal Loan Visakhapatnam | Personal Loan Indore | Personal Loan Patna | Personal Loan Vadodara | Personal Loan Bhopal | Personal Loan Coimbatore | Personal Loan Chandigarh | Personal Loan Agra | Personal Loan Nashik | Personal Loan Madurai | Personal Loan Aurangabad | Personal Loan Varanasi
Personal Loans Bank Wise
HDFC Bank Personal Loan | ICICI Bank Personal Loan | SBI Personal Loan | Axis Bank Personal Loan | Kotak Mahindra Bank Personal Loan | PNB Personal Loan | Bank of Baroda Personal Loan | Union Bank Personal Loan | IndusInd Bank Personal Loan | Yes Bank Personal Loan | IDFC First Bank Personal Loan | Citibank Personal Loan | Standard Chartered Bank Personal Loan | RBL Bank Personal Loan | IDBI Bank Personal Loan | Bajaj Finserv Personal Loan | Tata Capital Personal Loan | Fullerton India Personal Loan | Capital First Personal Loan | Mahindra Finance Personal Loan | L&T Finance Personal Loan | Magma Fincorp Personal Loan | HDFC Credila Personal Loan | Axis Bank Insta Personal Loan | SBI YONO Personal Loan
Contact us
Office Address
JMD Megapolis Sector 48 Gurgaon
Indicred offers a wide array of financial products including personal loans, instant loans, education loans, home loans, business loans, and car loans. We also provide credit cards, including cashback credit cards, rewards credit cards, and travel credit cards. Whether you're looking for quick access to funds or flexible repayment options, Indicred makes it easy with competitive rates, fast approval, and simple online application. With advanced credit assessments, even those with limited credit history can access the financial solutions they need. Apply now for personalized loan and credit card offers!