Paisabazaar Logo - Compare loans and credit cards

Kotak Mahindra Bank 30 Lakh Personal Loan

Looking for a Rs. 30 lakh personal loan that offers flexible repayment options, competitive interest rate and quick access to funds? Kotak Mahindra Rs. 30 lakh personal offers all these and more. Apply for a Kotak Mahindra Bank personal loan via Paisabazaar and fulfill all your planned and unplanned financial requirements stress-free.

Amazon Pay
Get up to ₹1,000*Amazon PayVoucher on disbursal
Valid till 15th November '25
Valid till 15th November '25*T&C Apply

Check Personal Loan Offers Online

Customer Rating

4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Paisabazaar Exclusive Benefits

Icon image of Tailored Offers

Tailored Offers

Curated Offers by 30+ Top Lenders

Icon image of Multiple Loan Options

Multiple Loan Options

Wide Choice of Loan Offers

Icon image of Expert Support

Expert Support

Assistance throughout the Loan Journey

Icon image of Pre-approved Offers

Pre-approved Offers

Special Offers for Existing Customers

Illustration

Find Best Personal Loan Offers

Sort by:

HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Benefits of Kotak Mahindra Rs. 30 Lakh Personal Loan

  • Rate of Interest starting from 9.98% p.a.
  • No need for any security or collateral
  • Hassle-free documentation
  • Video KYC done using Aadhaar card
  • Affordable and easy repayment option
  • Up to 72 years of repayment tenure

Interest Rate of Kotak Mahindra Rs. 30 Lakh Personal Loan:

You can get a Kotak Mahindra Rs. 30 Lakh Personal Loan with interest rates starting @9.98% p.a. Lenders will consider factors like your age, employment type, credit score, credit profile and more before deciding on the final rate of interest for your personal loan.

Kotak Mahindra Rs. 30 Lakh Personal Loan: Eligibility Criteria

To be eligible for a personal loan from Kotak Mahindra Bank, you will have to meet the following criteria:

  • 21-60 years old
  • Salaried individual in Pvt Ltd / Public Ltd / MNC
  • Income of Rs. 25,000 (Kotak Mahindra A/c Holder) or Rs. 30,000 (Non-Kotak A/c Holder)*
  • Graduate/Diploma educational qualification
  • Minimum of a year of work experience
  • CIBIL score of 730+

*The minimum income requirement may vary depending on the loan amount.
Also read: Use a Personal Loan Eligibility Calculator online to plan better.

Kotak Mahindra Rs. 30 Lakh Personal Loan: Documents Required

If you apply for a Kotak Mahindra Rs. 30 lakh personal loan, you will need to submit the following documents:

  • e-KYC verified Aadhar, driver’s license, voter ID card, passport, and PAN card as ID proof.
  • e-KYC verified Aadhar, utility bill, leave & license agreement, passport as address proof.
  • Income tax return, salary slips of the last 3 months as income proof
  • Bank statements of the last 3 months.

Also Read: What are the documents required for a personal loan?

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

Kotak Mahindra Personal Loan Fees and Charges

  • Up to 5% of the loan amount, along with taxes, as processing fees
  • 750 per instance + taxes as EMI Bounce Charge
  • Up to 4% as foreclosure charges
  • Swap charges, i.e. charges for a change in repayment mode, repayment instrument, or EMI date Rs. 500/- plus taxes per instance
  • Legal charges at actuals 

Steps to Take Before Applying for a Personal Loan

Before applying for a personal loan, make sure you follow these key steps to choose the right offer:

  • Review existing lender offers: Check the personal loan deals from banks or NBFCs where you already hold a deposit account, loan, or credit card.
  • Compare across lenders: Visit online financial marketplaces like Paisabazaar to compare interest rates, eligibility criteria, and loan features offered by multiple banks and NBFCs.
  • Assess loan tenure: Ensure the repayment period offered matches your financial comfort and repayment capacity.
  • Check additional charges: Compare processing fees, administrative charges, or login fees levied by different lenders.
  • Review prepayment terms: Look at foreclosure/prepayment charges and any restrictions on making early repayments.
  • Evaluate disbursement speed: Confirm that the lender’s turnaround time for loan approval and disbursal aligns with how quickly you need funds.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Kotak Mahindra Bank Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

FAQs

quotes icon

What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

icon image of avatar
Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

icon image of avatar
Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

icon image of avatar
Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

icon image of avatar
Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

icon image of avatar
Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

icon image of avatar
Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

icon image of avatar
Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

icon image of avatar
Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

icon image of avatar
Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

icon image of avatar
Pankaj SinhaSep 22, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers