Information only
Kotak Mahindra Bank is a private sector bank in the Reserve Bank of India (RBI) list of banks. RBI lists its address as Mumbai (Bandra East). The Kotak group began in 1985 and its finance company received a banking licence from RBI in 2003, which is when it became a bank. The bank's own loan pages cover personal, home, property, business, vehicle, gold, education and agri business loans. It also lists a loan against securities, which is a different product from the ones most borrowers compare first. This page is an information summary, not an offer, and it does not compare Kotak Mahindra Bank with other lenders.
Loans it offers
Loans Kotak Mahindra Bank lists
| Loan | What to know |
|---|---|
| Personal loans | Alongside the standard personal loan, the bank lists a Mid-Month Advance and a Smart EMI option. Ask which of these suits a short-term need and which a longer one. |
| Home loans | The bank lists a home loan, a home improvement loan and a variant called Kotak Vishwas Loan. The property is the security. |
| Loans against property | A loan against property, with a Kotak Vishwas Loan variant for property-backed borrowing. Valuation and legal checks apply. |
| Business and MSME loans | The bank lists a business loan, working capital, a commercial vehicle loan and a commercial equipment loan, so the asset you buy can be the security. |
| Car loans | A car loan is listed on the bank's own loan page. |
| Two-wheeler loans | A two-wheeler loan is listed on the same page. |
| Gold loans | A gold loan is listed. RBI sets loan-to-value limits for loans against gold. |
| Education loans | An education loan is listed. The bank sets collateral and moratorium terms. |
| Agriculture loans | Agri business loans are listed for farm-linked businesses. |
| Loan against securities | Listed under the name Kotak Stock Ace. Shares or other securities are pledged as security. |
How these loans work, on LOANZ 360: personal loans, home loans, loans against property, business loans, car loans, two-wheeler loans, gold loans, education loans, agriculture loans. A loan against securities has no LOANZ 360 page. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, as listed by RBI |
| Registered office (RBI listing) | Mumbai (Bandra East) |
| Group origin | 1985, as Kotak Mahindra, according to published company histories |
| Became a bank | 2003, when the group's finance company received an RBI banking licence |
As of 8 November 2026, RBI lists Kotak Mahindra Bank as a private sector bank, and the bank's website lists personal, home, property, business, vehicle, gold, education and agri business loans.
Before you apply
- Ask for the Key Fact Statement (KFS) and compare the annual percentage rate (APR), because it includes the lender's charges.
- Short-term products such as a mid-month advance are meant to be repaid quickly. Check the repayment date and the charge if you pay late.
- For a vehicle or equipment loan, find out whether the asset is hypothecated and what insurance the bank asks you to keep.
- For a loan against securities, ask how the value of your shares is checked and what happens if prices fall.
Processing, foreclosure and penal charges are set by the lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it. Use the interest rates page to compare published rates for the same amount and tenure.
To weigh this bank against others, open interest rates and the lenders list. The label on this page, lending partner or information only, comes from live data on the site, not from this text. For a lender shown as information only, apply on the bank's own website.
Kotak Mahindra Bank’s own website
Last updated 12 Nov 2026