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We all have dreams. We often dream of a refreshing holiday trip, a perfect wedding, to renovate our home or to buy that cool gadget. You can realise all your dreams with Kotak Personal Loan scheme. Some of the salient features of Kotak Personal Loan are

  • Fixed reducing rate of interest
  • No collateral required
  • Easy and hassle-free paperwork
  • Loan tenure of upto 60 months

Kotak offers customized personal loan solutions for salaried individuals. One can avail loan ranging from 50,000 INR to 2,000,000 INR.

Eligibility Criteria

  • 21-58 years
  • Net monthly income of 25,000 INR
  • Min. 2 years of work experience
  • Min. 1 year in current residence
  • Minimum qualification Graduate
  • Residence phone required

Documentation Required

  • Proof of Identity- Passport/ Driving License/ Pan Card/ Voter ID Card
  • Proof of Residence- Leave and License Agreement/ Utility Bill/ Passport
  • Last 3 months bank statement
  • Salary slip for 6 months
  • Utility bills for Residence ownership proof-

Interest Rates & Other Charges

Interest Rates

11.5% - 24%

Processing Fee

0-2.0% of loan amount

Prepayment Charges

5% of Principal Outstanding

Collection Charges


Dishonour Charges Per Instance

750 INR

EMI Bounce Charge

400 INR Per Bounce

So, whatever your dream is, don’t wait anymore and apply at Kotak Personal Loan to get hassle free loans.


Kotak Home Loan provides easy loans to realise your dream of having your own beautiful home. Kotak home loans provide flexible interest rates, easy payment options and fast disbursal.

Eligibility Criteria

  • Applying for home loan depends on several factors. Some of the factors are
  • Monthly or Yearly income
  • Savings and credit history
  • Work experience
  • Qualification
  • Number of Dependents

Documents Required

  • Application form
  • Identity, Address proof
  • Last 6 months bank statement
  • Last 3 months salary slip
  • Proof of educational qualification

Interest Rates and Other Charges

Loan Amount

80% if property valued at 25- 75 lakh, 75% for valuation of 75 lakh and beyond.

Interest Rates

9.50% - 9.65% floating

Loan Processing Fee

0.25 %

Loan Tenure

Upto 20 years


Kotak Gold Loan offers spectrum of opportunities. Kotak Gold Loan can be used to serve plethora of needs such as

  • Education for children
  • Business expansion or working capital needs
  • Down payment for purchase of property and vehicle
  • Agricultural needs
  • Medical emergency and others
  • So put your gold to better use by securing a hassle free instant loan for a better future and a peaceful present.

Eligibility Criteria

Kotak allows its patrons to walk into any of its Gold Loan counters and avail loan amount of 25,000 INR - 25,00,000 INR by depositing their gold at attractive interest rates. Kotak Gold Loan offers most attractive per gram rate coupled with fast documentation process.

Interest Rates and Other Charges

Loan Amount

25,000 INR - 25,00,000 INR

Interest Rates


Commitment Charges

1250 INR per quarter

Processing Fee


Documentation Required

  1. Three passport size photograph
  2. Identity proof such as Passport, PAN Card, Driving License, Aadhaar Card, Voter Card
  3. Address proof such as Passport, Lease Agreement, Utility Bills

If you need to avail a short-term loan at lower interest rates, Kotak Gold Loan is a very useful financial instrument to go with.


Kotak Loan Against Property (LAP) offers mortgage loan against property at attractive interest rates for long tenures. So, if your loan requirement is high and you want a longer payout period Kotak Loan Against Property is the best loan instrument for you. Kotak offers quick disbursal and hassle-free documentation process for the Kotak Loan Against Property.

Some of the key features of Kotak Loan Against Property are

  1. Loan in range 10 lakh to 3 crore
  2. Flexible interest rates ranging from 12.5% - 13.0%
  3. Quick disbursal
  4. Hassle-free documentations
  5. 1% Processing fee
  6. Age limit of 21 - 65 years

If you want to avail higher loan amount for any of your personal or business needs for a longer loan tenure, Kotak Loan Against Property is the right financial tool for you.