Unlock Your Financial Freedom
Kotak811 Personal Loans
Attractive Interest Rates
Flexible Repayment Options
100% Digital
Choosing Kotak811 for Personal Loans
Attractive Interest Rates
Interest rates starting at just 10.99% Interest* p.a.
Minimal Documentation
Get your loan easily with a fast and digital loan verification process
Zero Collateral
No need to mortgage property to secure a loan with us
Unlock Your Personal Loan in 5 Easy Steps
Get a personal loan in minutes from the Kotak811 App with super-fast loan approvals and an easy application process.
Download the Kotak811 App
The first thing you need to do is download the Kotak811 App from Play store or App store.
Tap the 'Loans' section in the app
Once in the app, tap the 'Loans' section. If you have a pre-approved Personal Loan, all you need to do is click on ‘Avail Now’.
Start your application
In the next step, you will have to select the loan amount and set the EMI tenure to proceed.
Review your loan
The review section gives you all the details about your loan. All you have to do is approve all the loan agreements and confirm.
Get your loan credited in your account
In the final step, your approved loan amount will be credited to your Kotak811 A/c.
Apply now
Unlock Your Personal Loan in 5 Easy Steps
Get a personal loan in minutes from the Kotak811 App with super-fast loan approvals and an easy application process.
Download the Kotak811 App
The first thing you need to do is download the Kotak811 App from Play store or App store.
Tap the 'Loans' section in the app
Once in the app, tap the 'Loans' section. If you have a pre-approved Personal Loan, all you need to do is click on ‘Avail Now’.
Start your application
In the next step, you will have to select the loan amount and set the EMI tenure to proceed.
Review your loan
The review section gives you all the details about your loan. All you have to do is approve all the loan agreements and confirm.
Get your loan credited in your account
In the final step, your approved loan amount will be credited to your Kotak811 A/c.
Documents required for physical loan application
Identity Proof
(one of the below)
Income Verification
Residency Proof
(one of the below)
Photographs
Identity Proof
(one of the below)
Income Verification
Residency Proof
(one of the below)
Photographs
Affordable Interest Rates and Transparent Charges
Interest Rate
Starting from
10.99% p.a.
of the outstanding principal loan amount, determined by the disbursement date ₹500 + taxes per prepayment.
Prepayment Charges
Starting from
20%
of the outstanding principal loan amount, determined by the disbursement date ₹500 + taxes per prepayment.
Loan Processing Charges
Up to
5%
2%
Loan amount + Applicable taxes
+GST on outstanding principal
Repayment Mode Swap Charges
Up to
₹500
+ Taxes per instance
Personal Loan Eligibility Checklist: Are You Ready to Apply?
Ensure Personal Loan Approval
If you are looking for convenience then Kotak811 is the direction you should look. We recognise that applying for a Personal Loan marks a significant milestone, and it's our mission to simplify your process, ensuring a seamless and stress-free experience from start to finish.
Personal Loan EMI Calculator
Use our Personal Loan Calculator to get insights on your loan plan!
Principal Amount
₹9,50,000
Get the best interests on your loans with Kotak811 today!
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Frequently Asked Questions
A personal loan is an unsecured loan, meaning you don’t have to provide any collateral or security. It is typically used to meet personal financial needs such as home renovations, medical emergencies, travel, or other major expenses. Since it's unsecured, approval is usually based on your income, credit score, and repayment ability.
A personal loan gives you the flexibility to use the funds for a wide range of purposes. Whether you are looking to renovate your home, handle a medical emergency, consolidate high-interest debt, plan a dream vacation, or even cover wedding expenses, this loan can be customised to meet your personal needs. There's no restriction on how you choose to spend the amount.
You can easily check your eligibility by visiting the Kotak811 mobile app. Once you log in, the platform will provide you with an offer based on factors like your income, employment status, credit score, and other personal details. Kotak811 uses this information to determine your loan eligibility and the amount you qualify for.
If you need to adjust your EMI schedule, the first step is to get in touch with Kotak Bank's customer support team. They will guide you through the process, and you may need to check if your loan agreement offers flexibility in terms of repayment. In some cases, this can be done based on changes in your financial situation.
You can track your personal loan status easily through the Kotak811 Mobile Banking App. Simply go to the loans section, where you will find updates on your loan application, disbursement, and repayment progress.
Insights
