| Interest Rate | 16% p.a. onwards |
| Loan Amount | Rs 3 lakh to Rs 1 crore |
| Tenure | Up to 7 years |
| Processing Fee | Up to 2% of the loan or facility amount |
Kotak Mahindra Bank Business Loan
Paisabazaar Exclusive Benefits
Best Loan Offers
Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds

15.5L Reviews
Grow your Business with Loans
Starting at 13%
Lowest Interest Rates15.5L Reviews
Paisabazaar Exclusive Benefits
Best Loan Offers
Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds

Find Best Business Loan Offers
Choose from 20+ Partner Banks/NBFCs
Pick from Secured & Unsecured Options
Get Working Capital & Top-Up Loan Solutions
Flexible Tenure of Up to 4 years
Calculate your Business Loan EMI Online
Select Your Bank
Your Monthly EMI Payment
₹0
How Can I Apply for a Business Loan Online?
Get up to ₹1 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
Kotak Mahindra Bank Business Loan
Kotak Mahindra Bank Business Loan Interest Rates
| Loan Type | Interest Rates (p.a.) |
|---|---|
| Kotak Mahindra Business Loan | 16.00%-19.99% |
| Commercial Vehicle Loan | 24% |
| Construction Equipment Loan | 24% |
| Tractor and Farm Equipment Loan | 26% |
Types of Kotak Mahindra Bank Business Loan
Kotak Mahindra Business Loan
Purpose: Kotak Mahindra Bank offers unsecured business loans to fulfil the business-related financial requirements of applicants.
Loan Amount: Rs 3 lakh- Rs 1 crore
Tenure: Up to 5 years
Processing Fee: Up to 2% of the loan or facility amount
Kotak Mahindra Loan Against Property
Purpose: Kotak Mahindra Loan Against Property can be availed against commercial, residential and industrial properties to fulfil the business and personal requirements of applicants. The bank also offers overdraft facility to its business loan applicants.
Loan Amount: Rs 10 lakh- Rs 5 crore
Processing Fee: Up to 1%
Kotak Mahindra Commercial Vehicle Loans
Purpose: Kotak Mahindra Bank offers commercial vehicle loans to finance vehicles for business purposes. The bank also caters to educational institutions and other captive customers for their commercial vehicle loan requirements.
Tenure: Up to 5 years
Processing Fee: Up to 3%
Kotak Mahindra Construction Equipment Loans
Purpose: Kotak Mahindra Construction equipment loans are offered for purchase of a variety of products such as earth moving equipment, concrete equipment, material handling equipment and road building equipment.
Tenures: Up to 4 years
Processing Fee: Up to 3%
Kotak Mahindra Farm Equipment Loans
Purpose: Kotak Mahindra Farm Equipment Loans are offered for purchase of new/old tractors, loaders, trailers, rotavators, seed-cum-fertilizer, dusters, sprayers, harvestors and implements for commercial and agricultural purposes. Such loans are also offered to existing customers for captive usage.
LTV Ratio: Up to 90% of tractor value
Processing Fee: Up to 3%
Kotak Mahindra Agri Project Loans
Purpose: Kotak Mahindra Agri project loans are offered to small and medium enterprises, traders, exporters, farmers, aggregators and processors for land-based projects such as horticulture, vermiculture, floriculture, medicinal plant cultivation, sericulture, tissue culture, mushroom cultivation, farm mechanization, crop cultivation, irrigation and land development. It also provides finance for other allied agricultural activities such as dairy, poultry, fishery, piggery and bee-keeping. Loans for construction of cold storage and godowns can also be availed under Agri Project Loans.
Kotak Mahindra Healthcare Finance Solutions
Purpose: Kotak Mahindra Healthcare loans are offered to hospitals, diagnostic centres, laboratories, clinics, nursing homes and self-employed doctors to meet their business requirements.
Loan Amount: Rs 10 lakh- Rs 10 crore
LTV Ratio: Up to 85%
Tenures: Up to 7 years
Kotak Mahindra Loans for Working Capital
Kotak Mahindra Channel Finance
Purpose: Kotak Mahindra Bank Channel Finance is offered to channel partners/vendors of credible corporates engaged in healthcare, FMCG, industrial equipments, medical equipments, textiles, electronics, IT, engineering goods, etc. to meet their working capital requirements.
Kotak Mahindra Dealer Finance
Purpose: Kotak Mahindra Dealer Finance is offered to fulfil the financial requirements for purchase of commercial vehicle, 2/3 wheelers and construction equipment dealers.
Types of Dealer Finance
Term Loan Options- Dealer Finance term loans are offered to automobile dealers for expansion, renovation, setting up new dealerships and fulfilling working capital requirements.
- Amortizing Term Loans are offered for property purchase for setting up new dealerships and business expansions
- Working Capital Loans are offered to fund and supplement core working capital
- Equipment Term Loans are offered to automobile dealers for purchase of equipments for their service centres
Working Capital Options-
- Kotak Mahindra Dealer Finance Working Capital Loans provide inventory funding to automobile dealers to finance working capital
- The bank also offers cash credit facility towards the funding of debtors and spares
- Dealer inventory and vehicles funding facility is linked to retail business. Higher the retail business, lower the interest rate charged
- The loan facility can be offered to fulfil partial or entire vehicle related working capital requirements of the dealership
Non-Fund Based Facilities- Bank Guarantee and Letter of Credit
Kotak Mahindra Agri SME Business Loan
Purpose: Kotak Mahindra Agri SME Business loans are of two types:
- Working Capital Finance- Such loans are developed based on the financial and qualitative analysis of specific businesses and working capital needs. Working Capital Finance can be used for making short term supplier payments, to manage cash flow mismatches and to fulfil season dependent financial requirements.
- Funding Against Warehouse Receipts- Farmers, aggregators, traders and processors in the agriculture sector can avail loans against their agri-produce commodity stocks by pledging warehouse receipts. Applicants trading in any of the commodities listed below can avail funding from Kotak Mahindra Bank under Agri-SME Business Loans:
Guarseed, guargum, wheat, jeera, soyabean, black pepper, castorseed, maize, rice, paddy, pulses, cotton seeds, cotton bales, etc.
Processing Fees: Up to Rs 5,000
Kotak Mahindra Bank Loans Against Credit Card Receivables
Purpose: Applicants can avail Kotak Mahindra Loans Against Credit Card Receivables or overdraft facility on the basis of yearly transactions processed through credit card POS facility.
Loan Amount: Up to Rs 3 crore
Kotak Mahindra Bank Loans for Transportation, Logistics and Warehouse
Purpose: Kotak Mahindra Loans for Transportation, Logistics and Warehouse are offered to individuals, companies or partnership firms engaged in transportation and logistics business. The bank offers two types of loans to fulfil the financial requirements of logistics companies:
- Term Loan- Term loans are offered for setting up workshops and warehouse facilities, purchase of existing workshops and warehouses and purchase of office and supply chain management for shipping companies, transporters, Clearance and freight forwarding businesses, Inland Container Depots. The bank also allows balance transfer of term loans from other banks and NBFCs to Kotak Mahindra Bank at attractive interest rates thereby improving the overall profitability of transporters, shipping companies, CNF businesses and ICD.
- Working Capital Loan- Kotak Mahindra Bank provides fund based and non-fund based loan facilities such as cash credit, overdraft, Bank Guarantee, Letter of Credit, Bill Discounting, etc. to meet the financial requirements of applicants.
Kotak Mahindra Infrastructure Finance
Purpose: Kotak Mahindra Bank Infrastructure Finance is offered to individuals, private limited companies, partnership firms and limited companies engaged in infrastructure, construction and material handling equipment business
Product Offerings:
- Fund Based Facilities- Cash Credit/Overdraft, term loan, lease rental discounting, working capital loan, bills/invoice discounting and loan against property
- Non-Fund Based Facilities- Letter of Credit, Bank Guarantee, Buyer’s Credit and Letter of Credit Backed Bill Discounting
- Loan facility on construction and material handling equipments
- Balance Transfer and Takeover loan facilities
Processing Fees: Up to 2%
Collateral:
- All types of commercial, industrial and residential properties can be submitted as collateral
- Commercial or construction equipments can also be provided as collateral
- Non-agricultural plot within municipal limits is also accepted as collateral by the bank
Eligibility for Kotak Mahindra Business Loans
Kotak Mahindra Business Loans
Kotak Mahindra Loan Against Property
For Salaried:
For Self-employed:
Kotak Mahindra Bank Commercial Vehicle Finance
Kotak Mahindra Bank Construction Equipment Loans
Kotak Mahindra Bank Farm Equipment Loan
Kotak Mahindra Bank Crop Loan
Kotak Mahindra Bank Agri Project Loans
Such loans are offered to:
Kotak Mahindra Bank Healthcare Finance Solutions
Eligibility for Kotak Mahindra Bank Working Capital Loans
Kotak Mahindra Bank Agri SME Business
Such loans are offered to:
Kotak Mahindra Bank Facility Against Credit Card Receivables
Kotak Mahindra Bank Transportation, Logistics and Warehouse
Kotak Mahindra Bank Infrastructure Finance
Avail Kotak Mahindra Bank For
All Your Needs
Documents Required for Kotak Mahindra Bank Business Loans
Kotak Mahindra Bank Business Loans
Kotak Mahindra Bank Loan Against Property
For Salaried:
Additional documents for Self-employed:
Kotak Mahindra Bank Commercial Vehicle Loan
Kotak Mahindra Bank Construction Equipment Loans
Pre-Sanction Documents:
Post Disbursal Documents:
Kotak Mahindra Bank Farm Equipments
Pre-Sanction Documents:
Pre-Disbursement Documents:
Kotak Mahindra Bank Crop Loan
Kotak Mahindra Bank Healthcare Finance Solutions
Documents Required for Kotak Mahindra Bank Working Capital Loans
Kotak Mahindra Bank Facility Against Credit Card Receivables
Kotak Mahindra Bank Infrastructure Finance
Kotak Mahindra Bank Business Loan Fees and Charges
| Particulars | Fees |
|---|---|
| Processing fee | Maximum 2% of the loan/facility amount; NIL for loan facility up to Rs 5 lakh for micro and small enterprises subject to URC submission prior to disbursal |
| Documentation charges | -Loan amount up to Rs 10 lakh- Rs 3,500-Loan amount above Rs 10 lakh- Rs 6,000 |
| Cheque dishonour charges | Rs 750 |
| Account swap charges | Rs 500 |
| Charges for copy of any document | Rs 500 |
| No dues certificate | Rs 500 |
| Prepayment charges | Up to 4% of the outstanding amount; For Micro & Small (MSE) Borrowers–Nil charges on fixed rate loans up to Rs 50 lakh -Nil charges on Floating loans |
| Penal interest | Up to 8% |
| Charges for amortisation schedule/ account statement | Free once in a Financial Year. Thereafter, Rs 500 per instance |
| Annual review charges | Up to 2% of renewal limit |
| Non-utilisation charges | If the average utilization of the facility limits for a quarter is below 60% of the sanctioned limits, commitment charges of Rs 5.50 per day per lakh of unutilized limits (or a part thereof) + taxes |
How Can I Apply for a Business Loan Online?
Get up to ₹1 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
Explore Our Business Loan Lenders
View All PartnersAvail Kotak Mahindra Bank For
All Your Needs
Business Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers
Check Best Business Loan Offers
with Quick Disbursal





