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Kotak Mahindra Bank Marriage Loan

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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
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%
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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

Kotak Mahindra Bank Marriage Loan Highlights

Interest rate 10.99% p.a. onwards
Loan amount Rs 50,000 to Rs 25 lakh
Repayment tenure 1 to 5 years
Processing fee Up to 3% of the loan amount

Note: Interest rates as on 19 September 2024

Kotak Mahindra Bank Marriage Loan Interest Rates

Kotak Mahindra Bank offers marriage loans starting from 10.99% p.a. While the bank has not disclosed the differential interest rates for its marriage loan applicants based on credit-score, occupation, income or other parameters, lenders usually consider monthly income, job profile, employer’s profile, credit score, etc. of their loan applicants for setting their personal loan interest rates.

Also Read: How you can build or rebuild your credit score with  Step UP Credit Card co-branded with SBM Bank India Ltd.

Marriage Loan Fees and Charges of Kotak Mahindra Bank

Processing fee

Kotak Mahindra Bank charges a processing fee of up to 3% of the loan amount for marriage loans.

Foreclosure and part-prepayment charges

Foreclosure charges Up to 3 years – 4% on outstanding principalAfter 3 years – 2% on outstanding principal
Part-prepayment charges Rs 500 per instance

 Other fees and Charges

Stamping charges As per respective State’s Stamp Act
Overdue Interest 3% per month
Credit Appraisal Charges Up to 5% of loan amount, up to Rs 7,500 + GST
Credit Administration Charges Up to 5% of loan amount, up to Rs 7,500 + GST
Collection Charges 30% + GST of cheque /instrument dishonor charges + overdue interest
Dishonor Charges per instance Rs 750 + GST
Copy of CIBIL Rs 50 + GST

Kotak Bank Marriage Loan Eligibility Criteria

Kotak Mahindra Bank has not set any specific eligibility criteria for availing marriage loan. However, for most lenders, the eligibility criteria set for marriage loans are usually the same as regular personal loans. Mentioned below are the eligibility criteria set for availing Kotak Mahindra Bank Personal Loan:

  • Employment Type: Working in an MNC, a private limited company or a public limited company
  • Age: 21-60 years
  • Minimum Monthly Income:
  • For Corporate Borrowers- Rs 25,000
  • For Non-corporate Salary Borrowers- Rs 30,000
  • Employee of Kotak Mahindra Bank- Rs 20,000
  • Minimum Educational Qualification-Graduate
  • Residential History- Continuously residing in the city for the past 1 year
  • Work Experience- Minimum 1 year

Additionally, just like other lenders, Kotak Bank may also consider the credit score for evaluating the eligibility of its personal loan applicants

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Documents Required for Kotak Bank Marriage Loan

  • ID proofs like passport, Aadhar card, driving license, voter ID, PAN card
  • Residential proofs like passport, utility bill, leave and license agreement
  • Bank statement for past 3 months 2-3 passport size photographs
  • Salary slip for last 3 months

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

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