Personal Loan of ₹80,000

At Kotak811, we understand that there are times when you need a quick financial boost to meet your immediate needs. Whether it's for a medical emergency, home renovation, or a last-minute wedding expense, a Personal Loan of ₹80,000 can be a quick and convenient solution. Our streamlined process ensures you get the support you need without the hassle.

At Kotak811, we're committed to making banking and borrowing a breeze for you. Our Personal Loan is here to meet your short-term financial needs without any troubles. Apply today and experience seamless banking with Kotak811.

Why should you choose a Personal Loan of ₹80,000?

Choosing a Personal Loan of ₹80,000 from Kotak811 means opting for a hassle-free experience with minimal documentation, competitive interest rates, and no hidden charges. It's perfect for those who need a small financial cushion to tide over unforeseen expenses. Plus, our digital-first approach means you can apply from anywhere, anytime.

Key features and benefits of a Kotak811 Personal Loan

This loan comes packed with features that make borrowing easy.

• Minimal documentation: Forget about the paperwork hassle with our streamlined application process.
• Zero collateral required: Avail loan without any guarantors or assets.
• Quick disbursal: The amount will be credited to your Kotak811 account upon approval.
• Flexible repayment: Choose a repayment period that suits your financial situation. We offer repayment tenure of up to 6 years.
• Transparency: No hidden charges are imposed.

Personal Loan interest rates & charges

Our interest rates and charges are transparent and competitive, ensuring you get the best deal for your Personal Loan.

Eligibility criteria

Ensuring you meet the eligibility criteria is the first step towards securing a Personal Loan with us. Kotak811 makes this process transparent and straightforward, allowing you to quickly assess your qualification for the loan.

• Age: Between 21 and 60 years
• Employment: Salaried applicants must be employed with MNCs, public limited, or private limited companies.
• Minimum monthly income:
  • Non-Kotak811 Salary Account Holders: ₹30,000
  • Kotak Salary Account Holders: ₹25,000
  • Kotak811 Employees: ₹20,000
• Education: At least graduation
• Work Experience: At least one year

How to use the Personal Loan EMI Calculator

Planning your finances before taking out a loan is important, and our Personal Loan EMI Calculator is here to assist you. This user-friendly tool is designed to give you a clear understanding of your monthly obligations, helping you to make informed decisions about your loan.

• Enter the loan amount: Start by inputting the total loan amount you wish to borrow, in this case, ₹80,000. This step is straightforward and sets the basis for your EMI calculation.
• Choose the interest rate: The interest rate will vary depending on your credit profile and other eligibility criteria. Select the rate that you've been quoted, or use the average rate to get an estimate of your monthly payments.
• Select the loan tenure: The length of your loan term can significantly impact your monthly payments. Adjust the tenure to see how it affects your EMI, allowing you to choose a repayment period that fits comfortably within your budget.

How to apply for a Personal Loan of ₹80,000

Applying for a loan from Kotak811 is designed to be as simple and hassle-free as possible. We've streamlined our application process to ensure you can get the financial support you need without unnecessary delays.

Pre-approved Personal Loan application process

To apply for a pre-approved Personal Loan: 

• Start by downloading the Kotak 811 App. It is available on both the Play Store and App Store.
• Locate the 'Loans' section in the app.
• Enter the loan amount you need and the preferred EMI tenure.
• Review the loan terms and confirm.
• Disbursal: After approval, the amount will be credited to your Kotak811 account.

Regular Personal Loan application process

You can avail of a loan without pre-approval by contacting our Customer Care number. You can also visit the nearest Kotak Bank Branch with the required documents.

Conclusion

A financial crisis doesn’t come with prior notification, but you must be ready to deal with it, and Kotak811 can help you with that. Pre-approved loans and the digital application process will make it easier for you; in any other case, you can visit any of our branches as you find convenient. The eligibility criteria and the documentation requirements are kept at a minimum to make our financial solutions more hassle-free.

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*Terms & Conditions apply.

Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Personal Loan will not be disbursed if the Savings Account is in dormant or freeze state.