9999029170
Kotak Mahindra Bank Ltd
Kotak Mahindra Bank Loans: Accelerating Your Dreams with Digital Innovation
At Kotak Mahindra Bank, we believe that financial support should be as fast as your ambitions. Whether you are stepping into a new home, expanding your business, or planning a life-changing event, our suite of loan products is built to provide maximum value with minimum effort. Experience a world where “Instant” isn’t just a word—it’s our standard.
Our Key Lending Solutions
We offer a diverse range of credit products designed to cater to every individual and business requirement:
Personal Loans: Access unsecured funding up to ₹40 Lakh with tenures ranging from 12 to 72 months. Perfect for weddings, travel, or medical needs.
Home Loans: Benefit from attractive interest rates and tenures up to 25 years. We offer financing for fresh purchases, construction, and home improvements.
Business Loans: Secure collateral-free funding up to ₹1 Crore to fuel your SME growth or manage working capital requirements.
Car Loans: Own your choice of vehicle with up to 100% on-road funding and flexible “Step Up” or “Balloon” EMI schemes.
Gold Loans: Get instant liquidity by leveraging your gold assets with minimal documentation and same-day disbursal.
Loan Against Property (LAP): Unlock high-value funding by pledging your residential or commercial property as collateral.
The Kotak Edge: Why Borrow with Us?
What sets the Kotak borrowing experience apart is our integration of AI and customer-first policies:
| Feature | The Kotak Advantage |
| Video KYC | Complete your entire verification process via a secure video call—no branch visits required. |
| Zero Collateral | Get substantial Personal and Business loans without the need to pledge any assets. |
| In-Principle Sanction | Receive an instant digital sanction letter for Home Loans within minutes of applying. |
| Pre-Approved Offers | Existing customers can access instant credit limits directly through the Kotak Mobile Banking App. |
A 100% Paperless Digital Journey
We have reimagined the loan application process to be entirely frictionless and secure:
Check Eligibility: Enter your basic details on our app or website to view your personalized loan limit.
Instant Approval: Our AI-driven engine assesses your profile in real-time, providing immediate approval status.
Digital Verification: Upload your documents digitally or complete a quick Video KYC using your Aadhaar and PAN card.
Swift Disbursal: Once the digital agreement is e-signed, the funds are credited to your account, often within hours.
Specialized Features for a Modern Lifestyle
Mid-Month Advance: A short-term instant loan (from ₹3,000 to ₹1.5 Lakh) to bridge the gap between paychecks.
Smart EMI Service: Convert high-value purchases into manageable installments across electronics, furniture, and more.
Top-Up Facilities: Easily add a top-up to your existing Home or Personal loan for additional financial flexibility.
"From your first car to your forever home, we provide the fuel for your life's journey. Kotak Mahindra Bank: Let’s Make Money Simple."
Ready to Power Your Next Big Step?
Join millions who trust Kotak for their financial needs. Check your offers or calculate your EMI today.