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Kotak Bank Personal Loan

Get a step closer to your dreams and goals by availing our Personal Loans and meet your financial needs. You can avail a personal loan to meet unexpected expenses, a dream holiday, school or college fees, wedding expenditure, home improvement expenses or even purchase of consumer durables.

Features and Benefits

1- Avail loans from Rs. 50,000/- to Rs. 15 lakhs
2- Flexible repayment options - Loan tenors range from 12-60 months for salaried individuals
3- Bank Doorstep Service - Fix an appointment with any of our representatives on phone and get assistance in completing loan related formalities
4- Gain quick approval on loans
5- Minimal paperwork and hassle free processing - No security or collateral required
6- Attractive interest rates

Eligibility

• Resident Indian employed at a Public Ltd co./ MNC/ large Pvt. Ltd co.
• Be 21-58 years of age.
• Have had a job for at least 2 years, and a minimum of 1 year with your current employer
• Be earning at least per month net income Rs. 25,000/-

Documents Required for Personal Loan

Application form Required
1 Photograph Required
Identity proof Passport Copy/ Voters ID card/ Driving License
PAN card
Aadhar Card
Overseas Citizen of India card
Person of Indian Origin card
Address (Residence) Proof Valid Passport
Voter's ID card
Food Card (Ration Card)
Lease Deed/ Rent agreement Copy/ Property Registration Document in the name of the Customer
Bank account statement printed on bank's letterhead, not more than 3 months old, signed and stamped by existing banker
Overseas Citizen of India Card
Person of Indian Origin Card
Latest IT Return
Original Letter from Company
Telephone/Electricity Bill
Age Proof PAN Card, Passport copy
Signature Proof PAN Card, Driver’s Licence, Passport copy, Banker’s attestation of Bank Account Statement
Ownership Proof Electricity Bill, Water Bill, Sales Deed, Receipt of Tax paid
Income details Last 3 months’ payslips and Form 16
Bank account statements For the last 6 months

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Interest Rates & Charges

Personal loan Interest Rates & Charges

Rate of Interest 13% to 24%
Loan processing charges Upto 3% of Loan amount
Documentation charges Upto Rs. 5000
Stamping Charges Applicable as per the respective State's Stamp Act
Credit Administration Charges Upto 5% of the Loan amount,not exceeding Rs. 7500
Ove due Interest 3% of Overdue Amount, compounded monthly
Collection charges 30% of penal and cheque bouncing charges
Dishonour charges per Instance Rs. 750.00
Swap Charges( Replacement of PDCs) Upto Rs. 500 per Swap per Instance
Prepayment Interest / Forclosure charges Lock in period for 12 months. After 12 months, 5% foreclosure charges+service tax on pricipal outstanding
Duplicate Issue of NOC Rs. 500/-
Solvency Certificate Rs. 1000/-
No Due Certificate NIL
Cibil Report Issuance Charges Rs. 50/-
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