All LendersKotak Mahindra Bank
K
Bank
4.3
Kotak Mahindra Bank
Personal Loan
Loan on phone — fastest onboarding in India.
Kotak's 'Loan on Phone' program pre-approves eligible customers for up to ₹35 lakh with minimal paperwork.
Loan Snapshot
Interest Rate
10.99%
up to 22%
Processing Fee
0.5%
up to 3%
Max Loan
₹35.00 L
up to 60 months
Min Credit Score
720
Income ₹25K+/mo
EMI Calculator
Kotak Personal Loan EMI Calculator
Calculated at Kotak's starting rate of 10.99% p.a.
₹5,00,000
36 months
Monthly EMI
₹16,367
Total Interest
₹89.2K
Total Payable
₹5.89 L
Breakdown
Principal vs Interest
Principal₹5,00,000
Interest₹89,212
Eligibility
- Age 21-58
- Net monthly income ₹25,000+
- Kotak account holders get priority
Documents Required
- PAN Card
- Aadhaar Card
- Last 3 months salary slips or ITR
- Bank statements (6 months)
- Passport-size photograph
Pros
- Loan on Phone for existing customers
- Doorstep KYC
- Video verification
Watch out for
- Maximum 60-month tenure
Key Features
Doorstep serviceMinimal docsLoan on phone
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