Kotak Mahindra Personal loans in Kolkata | Interest Rates | Documents Apply Online
Kotak Mahindra Personal Loans Kolkata: Get Details on Documents, Eligibility, EMI, Fees & Charges and Other Charges Charged By Kotak Bank on Personal Loans in Kolkata.
No matter what your financial needs are – unexpected expenses, school fees, wedding in the family, home improvement or that long awaited vacation. Whatever the occasion, our range of Personal Loans can help.
The procedure is simple, documentation is minimal and approval is quick.
Key Features
- Avail loans from Rs.50,000-50 lakh*
- Quick Approval & hassle-free processing
- Minimal paperwork
- Flexible repayment options
- Repay with easy EMIs
- Convenience of service at your doorstep
- Interest Rates – Click Here
- Calculate Loan EMI – Emi Calculator
Features & Benefits of Kotak Personal Loans Kolkata
- Avail loans from Rs.50,000 – 50 lakh*: You can avail of a loan from Rs.50,000 – 50 lakh* for any purpose based on your income and repayment capacity and fulfill all your financial needs.
- Quick approval: With a Kotak Mahindra Bank Personal Loan, you are not far away from making your dreams come true. In as less as 72 hours you can turn your dreams into reality.
- Minimal paperwork & hassle free processing: Our minimal document requirements leave you tension and hassle free. Additionally, worries are kept at bay, as no security or collateral is required.
- Flexible repayment options: Our flexible loan tenors range from 12 – 60 months for salaried customers and from 12- 36 months for businessmen / professionals, which don’t overburden you with a worry to pay heavy EMIs.
- Convenience of service at your doorstep: Our Loans are just a phone call away; you can fix an appointment with any of our representatives and they could assist you in all your loan formalities.
Eligibility & Documentation Required for Kotak Loans in Kolkata
Things to know before you apply
Eligibility
| Criteria | Salaried individuals | Professionals | Businessmen |
| Profile | Must be working for a Public Ltd co./ MNC/ large Pvt Ltd co. | Must be a Doctor (MS, MD, MBBS, BDS) , C.A., Architect, Consultant, Interior Designer | Must have clean payment track record of more than 1 year of a previous loan. |
| Age | 23 – 58 years resident Indian | 23 – 58 years resident Indian | 23 – 58 years resident Indian |
| Income | Net monthly salary of Rs. 20,000/- with no loans outstanding. | Filed IT returns of Rs.75,000/- or more for the last 2 years. | Filed IT returns of Rs.75,000/- or more for the last 2 years |
| Minimum education | Graduate | Professional degree | Graduate |
| Residence telephone | Required | Required | Required |
| Years in city | Min 1 year | Min 1 year | Min 1 year |
| Total work experience | Min 1 year | Min 5 years | Min 5 years |
Documentation Required for Personal Loans from Kotak Bank Kolkata
To avail a Personal Loan, you will need to provide the following documents
| Document | Salaried individuals | Professionals | Businessmen |
| Application form | Yes | Yes | Yes |
| 1 photograph | Yes | Yes | Yes |
| Identity details | Yes | Yes | Yes |
| Residence details | Yes | Yes | Yes |
| Signature verification from bank | Yes | Yes | Yes |
| Degree certificate & Certificate of practice | No | Yes | No |
| Payment track record | No* | No* | Yes |
| Income details | Latest payslip & Form 16 (Form 16 required only when applying under holiday finance) | IT Returns & Balance Sheet & P/L Account statement for the last 2 years | IT Returns & Balance Sheet & P/L Account statement for the last 2 years |
| Bank account statements | For the last 3 months | For the last 6 months | For the last 6 months |
ABout Kolkata:
Kolkata, or Calcutta, is the capital of the Indian state of West Bengal. Located on the east bank of the Hooghly River, it is the principal commercial, cultural, and educational centre of East India. while the Port of Kolkata is India’s oldest operating port as well as its sole major riverine port. As of 2011, the city had 4.5 million residents; the urban agglomeration, which comprises the city and its suburbs, was home to approximately 14.1 million, making it the third-most populous metropolitan area in India.
Population: 6,820,145 (2011)
Points of Interest: Howrah Bridge, Victoria memorial, Sundarbans, Eden Garden Cricket Stadium, Maidan
