Kotak Mahindra Business Loan

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How To Apply
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Delhi NCR

Interest rate

16.00% p.a. – 19.99% p.a. (Fixed Interest Rate)

Loan amount

3 lakh-75 lakh


Flexible repayment tenure upto 4 years

Processing fee

2% of the loan amount+GST

Loan sanctioning time

Within 72 hours of documents submission


No collateral required

Kotak Mahindra Business Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %16 %
Tenure (months)12
Emi (monthly)9,073
Total Interest8,877
Loan Amount + Interest108,877
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
56,3947,11763,51143,60656.39 %
Jun7,7401,3339,07392,2607.74 %
Jul7,8431,2309,07384,41715.58 %
Aug7,9471,1269,07376,47023.53 %
Sep8,0531,0209,07368,41731.58 %
Oct8,1619129,07360,25639.74 %
Nov8,2708039,07351,98648.01 %
Dec8,3806939,07343,60656.39 %
43,6071,75845,3650100.00 %
Jan8,4925819,07335,11464.89 %
Feb8,6054689,07326,50973.49 %
Mar8,7203539,07317,78982.21 %
Apr8,8362379,0738,95391.05 %
May8,9541199,0730100.00 %

Interest rates & charges

Refer this table to know about the interest rates and charges levied on the Business Loan provided by Kotak Mahindra Bank
Processing Fee (Non-refundable) Maximum 2% of the loan / facility amount (Plus Taxes as applicable)
Documentation Charges
  • Loan amount up to INR 10 lakh: INR 3,500/- (Plus Taxes as applicable)
  • Loan amount above INR 10 lakhs: INR 6,000/- (Plus Taxes as applicable)
  • FCCR / RFCCR: Loan amount up to INR 10 lakh: INR 3,500/- (Plus taxes as applicable)
  • FCCR / RFCCR: Loan amount above INR 10 lakh- INR 7,000/- (Plus Taxes as applicable)
Cheque dishonour Charges INR 750/- (Plus Taxes as applicable) per instance.
Charges for Copy of any Document INR 500/- (Plus Taxes as applicable) per instance.
Repayment Mode I Account swap charges INR 500/- (Plus Taxes as applicable) per instance.
Charges for Duplicate NOC / No Dues Certificate INR 500/- (Plus Taxes as applicable) per instance.
Termination Charges
  • Up to 4% of Outstanding amount (plus taxes as applicable) for Term Loan (non-revolving) limits;
  • Up to 3% of sanction amount or Outstanding, whichever is higher (plus taxes as applicable) for Non-Term Loan (revolving) limits;
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Right Documents - Easy Process

Required Documents to Apply for Kotak Mahindra Business Loan

PAN Card

Aadhaar Card

Driving Licence

Voter ID


Registered rent agreement

Current passport size photograph

Salaried income documents

Self Employed person documents

Note : Kotak Mahindra Business Loan may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.

Documents required

  • Identity proof: PAN Card/Driving License/ Passport/ Voter's ID/ Aadhaar Card
  • Address Proof: Passport/Driving License/Voter's ID/Aadhaar Card/Utility Bill/Bank Statement/Bank Account Passbook (Updated and no more than 3 months old)
  • Ownership proof: Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / Municipal tax bill/Share certificate
  • Business continuity proof: Shop and Establishment certificate/Tax registrations-VAT/Service tax/GST registrations


  • The applicant has to be in business for last 3 years with a minimum turnover of Rs.40 Lakhs
  • The business must have generated profit for a minimum of 1 year
  • The applicant should be a Sole Proprietor / Partnership firm / Private Ltd Co. / Trust / LLP involved in the business of Manufacturing, Trading or Services
  • The main applicant should be minimum of 25 years of age & should be no older than 65 years at the time of loan maturity


  • Kotak Mahindra Bank Limited is an Indian banking and financial services company. It offers banking products and financial services for corporate and retail customers in the areas of personal finance, investment banking, life insurance, and wealth management. It is India's third largest private sector bank by assets and by market capitalization. If you are in a need of Business Loan, then Kotak Mahindra can be your destination.
Leave Your Question


Business loans offered by Kotak have a fixed rate of interest.

The foreclosure charge is 6% of foreclosure loan amount if within lock in period of 12 months from the date of agreement and 5% on foreclosure loan amount otherwise (plus GST and other applicable statutory levies).

No, part payment is not allowed for business loans.

Kotak Mahindra Bank offers business loans for a maximum of 75 lakhs.

To track your Kotak Mahindra Business loan, you can visit the official website or contact their Toll-Free Nos: 1860-266-2666 / 1800-209-5600.