Kotak Mahindra Bank


Kotak Mahindra Bank, a leader in banking, brings you a world of opportunities with Kotak Bank loans. Kotak Bank offers customised solutions with attractive interest rates, whether you need a home loan, personal loan, or consumer loan. Your financial aspirations are achievable with Kotak Bank's expertise.

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Loans offered by Kotak Bank

Kotak Bank LoansInterest RateProcessing FeeLoan Amount/Tenure

Kotak Bank Personal Loan


Up to 3% of loan amount

₹50K - ₹40L

Tenure(1 - 5 Years)

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Kotak Bank Home Loan

8.7% - 9.6%

Up to 3% of loan amount

₹10L - ₹10Cr

Tenure(5 - 25 Years)

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Kotak Bank Loan Against Property


Up to 1%


Tenure(Up to 15 Years)

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Kotak Bank Business Loan

16% - 28%

Up to 2%

₹3L - ₹75L

Tenure(1 - 5 Years)

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Features and Benefits of Kotak Mahindra Bank

Kotak Mahindra Bank provides an array of features and benefits to its valued customers. It encompasses Kotak loans, net banking, investing opportunities, etc. The following offers a detailed view of the features and benefits of Kotak Mahindra Bank:

  • A wide range of banking services includes savings, current, fixed, and recurring accounts.
  • Innovative digital banking solutions, thereby, customers can manage their accounts, make transactions, pay bills, and access various banking services via their smartphones.
  • The Bank conduct various reward programs for its customers. Hence, customers can get an opportunity to avail of various incentives such as cashback, discounts, and loyalty points on transactions and usage of banking services.
  • Kotak Bank loans with lower-than-average interest rates and flexible repayment options.
  • Credit cards with different rewards, benefits, and features cater to various spending patterns and lifestyles.
  • An array of investment opportunities include mutual funds, equity trading, bonds, and other financial instruments.
  • Appealing insurance products like life insurance, health insurance, and general insurance allow customers to safeguard themselves and their assets.
  • Valuable services related to foreign exchange, international remittances, and other global banking solutions for individuals and businesses engaged in international transactions.
  • Robust security measures to protect customers' financial information and transactions, ensuring a safe banking experience.
  • Exceptional customer support through various channels, including phone, email, and in-person at branches.

Overview of Kotak Mahindra Bank

Kotak Mahindra Bank is one of the leading private-sector banks in India. The Bank was established in 1985 as Kotak Mahindra Finance Ltd, a non-banking finance company. In 2003, it became India’s first non-banking finance company, a full-fledged bank.

The Bank has gained popularity due to its innovative products and customer-centric approach. Moreover, its wide range of banking products and services that cater to different financial needs makes it a preferred choice for individuals, businesses, and investors who seeking comprehensive and reliable banking services. These predominantly encompass Kotak Mahindra Bank loans, insurance plans, investment banking, transaction banking, asset and wealth management, and Internet banking.

Kotak Mahindra Bank currently has a network of over 1,780 branches and 2,963 ATMs across India. Ultimately, apart from India, the bank is expanding its services to other countries, including London, New York, Dubai, Singapore, Mauritius and Bahrain.

Mission and Vision

Kotak aims to provide their customers with the best possible customized financing solution and deal with the benefits of being associated with the global Indian financial brand. The brand has created an ethos of trust across and beyond the borders of India. With its detailed, simple and modest staff, it delivers outstanding financial performances and promises to continue it in the upcoming future.


From refinancing to reducing your interest, we have the answers right here.

How can I open a Kotak Bank account online?

You can easily open a Kotak 811 account online through the official website of Kotak Bank or via their mobile banking app. Regardless of the chosen mode, you just have to proceed with the registration procedure. Enter your Aadhaar details, PAN number and some additional information to make the procedure quick and seamless. Set up your mobile banking PIN so that you can immediately start using the Kotak Bank account.

Why do I need to add a nominee to my account?

Adding a nominee is considered smart when it comes to banking and associated services. In the occurrence of an unfortunate event, the account funds are transferred to the nominee with utmost ease without extensive paperwork. However, it is not mandatory to add a nominee. If you are not willing to add a nominee, you get the option to mark ‘I don’t wish to add a nominee’ specifically while opening a new account. You can also add nominees later if you want.

How to activate Kotak Bank Mobile Banking?

You can easily activate your Kotak Bank mobile banking facility through its official mobile application. Authenticate your account through your CRN or debit card pin and create a 6 digit mPIN for the app. After successful activation, you will receive a confirmation message on your registered mobile number.

How can I convert my normal Kotak savings account to an 811?

If you want to convert your regular Kotak savings account to a Kotak 811 account, you will have to verify your KYC details. Book your KYC appointment through the Kotak Bank MobileBanking App. After receiving your request, the bank executive will visit your place to initiate KYC verification.

What are the features of Kotak 811?

Kotak Bank offers foremost banking services to its customers through Kotak 811 - a complete Digital Bank Account. Kotak 811 provides numerous features for the customers, including a 4% of interest rate on account balance, a virtual debit card facility, no-cost online fund transfer through NEFT and IMPS, no minimum balance commitment and much more.

Can I hold my account jointly with another applicant?

No, you cannot hold your Kotak 811 account jointly with another applicant. It is intended specifically for individual users and, thus, cannot be held jointly.

How can I know my Kotak Bank IFSC code?

Your Kotak Bank IFSC code is present on every page of your cheque book, front page of your passbook and bank statement. You can also get your IFSC code specific to your bank branch through the overview section present in the NetBanking and MobileBanking tab of the official website.

What is an MPIN and why do I need to set one?

An mPIN is a numeric code that you will have to enter while making mobile transactions. In Kotak Bank, the mPIN is of 6 digits and you need to set one to secure your account transactions.

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