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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.
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Valid till 31st March '26*T&C Apply
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Get up to ₹50 Lakhs starting at 9.98%

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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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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?

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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 Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

Kotak Mahindra Bank offers a personal loan of Rs. 30 lakh with interest rates starting from 9.98% p.a. The final rate may vary based on your age, credit score, employment type, and credit profile.

To avail a Kotak Mahindra personal loan of Rs. 30 lakh, you must be 21-60 years old, a salaried individual in a private, public, or MNC company, have an income of Rs. 25,000 (Kotak account holder) or Rs. 30,000 (non-Kotak account holder), possess a graduate/diploma degree, have minimum 1-year work experience, and a CIBIL score of 730+.

You will need ID proof (Aadhaar, PAN, Passport, Voter ID, Driver’s License), address proof (Aadhaar, utility bill, leave & license, passport), income proof (salary slips for last 3 months, ITR), and bank statements for the last 3 months.

The Kotak Mahindra personal loan of Rs. 30 lakh is unsecured, meaning no collateral or security is required.

You can choose a flexible repayment tenure of up to 72 months, ensuring affordable monthly EMI options.

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20th Jan 2026Jan 20, 2026

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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