Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Personal Loan Reviews

    • Kotak Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was a very good service from KOTAK ,interest rate was fine. Compare to other banks fees and charges was nominal with KOTAK MAHINDRA . Even the documentation part was also fine with KOTAK ,never had any issue with KOTAK service till now so overall it was an excellent service .
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      , mumbai
      Reviewed on Sep 22, 2017
    • Kotak Personal Loan
      "Average"
      0.5 2.0/5 "Expected more"
      I have already taken the personal loan with the Kotak Mahidnra and the interest rate was very huge like it was around 17%. I would like to say that the customer service is also a kind of okay for me and the response is good one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 22, 2017
    • Kotak Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I did not get the pretty good experience with the Kotak Mahindra bank for the personal loan, which I have applied. Customer service and other things has to be get improved. I would like to suggest that they have to stick with the words.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 22, 2017
    • Kotak Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan with the Kotak mahindra bank within two weeks of time. Response is very nice and they are actually supportive too. I would like to say that the customer service is also providing the smooth service.
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      , pune
      Reviewed on Sep 22, 2017
    • Kotak Personal Loan
      "Rate of interest should be compromised"
      0.5 2.0/5 "Expected more"
      I have applied for a personal loan application with KOTAK MAHINDRA BANK the rate of interest provided from the bank was 11.99% which is nearly 12%. But HDFC offered me 11.25% rate of interest for 3 lakhs rupees and an amount of 4000 plus GST will also be applicable against the loan.4000
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      , mumbai
      Reviewed on Sep 21, 2017
    • Kotak Personal Loan
      "Customer service is good. But need to be more clear"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank was good in the process for the personal loan. The bank did so many investigations, actually it is a good part. But the one thing, I was not okay with is they sent me a credit card without my consent. No one can use the credentials like that. When I asked them about it they say it was a part of promotion. I called the bank and cancelled the card and after which I received a call that the card is cancelled but I have not got any SMS or email on the same. I was to get it in 7 to 8 days, but it has been 15 days now. The interest rate was a good deal. It was around 10%.
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      , ghaziabad
      Reviewed on Sep 21, 2017
    • Kotak Personal Loan
      "Criteria should be compromised"
      0.5 1.0/5 "Really Bad"
      With KOTAK MAHINDRA BANK i have applied for a personal loan. The executive contacted for the verification did not contacted me for so long and unfortunately i have to do the follow up calls. Later they informed due the low credit score it is not possible to provide the loan.
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      , pune
      Reviewed on Sep 20, 2017
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Due to some personal reasons I haven't proceed with Kotak Mahindra personal loan application. The response was not up to the mark with KOTAK MAHINDRA. They need to focused in their response part, The rate of interest which they have offered was high when compared with others banks.
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      , kolkata
      Reviewed on Sep 20, 2017
    • Kotak Personal Loan
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have approached KOTAK bank for my personal loan. They need to improve their customer service and responsiveness as there was no call from the bank end regarding my personal loan process. The rate of interest was15-16% which was high comparing to other banks.
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      , bangalore
      Reviewed on Sep 20, 2017
    • Kotak Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      My experience with KOTAK was excellent because I have taken my personal loan and they have offered me the best rate of interest since I am a privilege customer to them . I have not walked in to my home branch or to the nearest bank of KOTAK ever as they are providing door step services for all the process which is really comfortable . They sanctioned the loan with committed time.
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      , new delhi
      Reviewed on Sep 19, 2017
    • Kotak Personal Loan
      "KOTAK personal loan"
      0.5 5.0/5 "Blown Away!"
      When I was trying to take a personal loan KOTAK approached me. KOTAK was very good in providing services. They had done a comparison and provided me the best quote. No discount was offered on the processing fees and charges. KOTAK has also informed me about the foreclosure too. Prepayment options are also there and I pay the monthly installments on time.
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      , hyderabad
      Reviewed on Sep 19, 2017
    • Kotak Personal Loan
      "IT WAS OK ."
      0.5 4.0/5 "Great!"
      The expereince that I had with KOTAK MAHENDRA PERSONAL LOAN process was OK . It was a kind of faster approval it totally took me something around 5 to 6 days for the whole personal loan process . 3 days it took me for the approval and then other 3 days the bank took for getting the load amount dispersed to my account . it was a fast approval personal loan i kind of liked it.
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      , chennai
      Reviewed on Sep 18, 2017
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I can't go with the Kotak mahidnra personal loan because i have a low credit score. The customer support of kotak mahindra as gave me a call and informed me about the status of the product. The customer service gave prompt response in regards to my personal loan application. The rate of interest is nominal when compared with others.
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      , bangalore
      Reviewed on Sep 18, 2017
    • Kotak Personal Loan
      "Service should be improved"
      0.5 1.0/5 "Really Bad"
      I have applied for a personal loan with KOTAK MAHINDRA BANK. first they gave me calls regarding the application with them. But later the executive called me back and told me as my credit score is too low the bank is not willing to provide loan for now.
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      , bangalore
      Reviewed on Sep 18, 2017
    • Kotak Personal Loan
      "Approachable service"
      0.5 2.0/5 "Expected more"
      I applied for a personal loan application with KOTAK MAHINDRA BANK. At first i got a call from the executive and then they did not gave me any response. So i met the competitors and taken a loan from HDFC bank. But i don't find any issue with the bank personally.
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      , bangalore
      Reviewed on Sep 18, 2017
    • Kotak Personal Loan
      "Need Improvement"
      0.5 5.0/5 "Blown Away!"
      I have never got any calls from Kotak Mahindra bank in regards to my personal loan application. The customer service need to be improved with Kotak Mahindra, they have to focus in the customers application. The rate of interest is high when compared with other banks.
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      , hyderabad
      Reviewed on Sep 18, 2017
    • Kotak Personal Loan
      "Not good not bad"
      0.5 2.0/5 "Expected more"
      I have approached KOTAK bank for my personal loan. My gross salary was low so they have rejected my personal loan application. Their customer service and responses was reallu not up the mark .Their representative collected all my documents and not explained about the process. He gave hope but the application was rejected which was disappointing. The rate of interest was 14.20% which is bit high and the fees and charges are not bad.
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      , mumbai
      Reviewed on Sep 16, 2017
    • Kotak Personal Loan
      "Worst"
      0.5 2.0/5 "Expected more"
      I find Kotak bank services are not upto the mark they should maintain correct data their representatives dont have apt information because i have applied for personal loan where at first they said that you are eligible and at last no response from them regarding the status the interest rate is also too high when compared .
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      , pune
      Reviewed on Sep 16, 2017
    • Kotak Personal Loan
      "Details are not consistent"
      0.5 3.5/5 "Pretty good"
      After a lot of confusion I received my personal loan from Kotak Mahindra bank. It took 20 days of process. The internal process of the bank needs improvement and the executives need to be consistent in what is conveyed. The interest rate kept changing from person to person. I finally got a rate of 13.25% and the processing fees was of 2%.
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      , bangalore
      Reviewed on Sep 16, 2017
    • Kotak Personal Loan
      "Bad experience"
      0.5 4.0/5 "Great!"
      I have approached Kotak bank for the personal loan where it was processed based on my minimal transactions the loan amount was disbursed with a high rate of interest and very high processing fee which is not good but over all services are good when compared to others. Also the tenure period is low which needs to be improved more.
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      , new delhi
      Reviewed on Sep 15, 2017
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    Kotak Personal Loan Customer Care Number is Rated as "Pretty good" by 2035 Users

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    Kotak Personal Loan Customer Care Number

    Kotak Mahindra Personal Loan Customer Care Number - Overview

    Kotak Mahindra is one of the top 5 leading banking organizations in India. Established in the year 2003, Kotak Mahindra offers a varied suite of financial and banking products to hundreds of its customers located across the country. In order to ensure maximum customer satisfaction, Kotak Mahindra lays great emphasis on quality customer service to their customers who may have any queries, complaints or may require any information regarding any of their products. There are various channels which the bank has provided via which customer can easily get in touch with the bank’s customer service unit for quick resolution of their queries and complaints. Customers can call, email, and write in to the bank’s customer care department.

    Kotak Mahindra Customer Care Helpline Numbers

    Customer service is an important part of any organization which strives for the complete satisfaction of their customer’s needs. Being a banking organization, it is all the more important that the bank provide its customers with quick resolution of complaints or access to information. For this purpose, the bank has set up a dedicated 24 hour helpline on which customers can call to get in touch with a customer service agent. This service is available round the clock, 7 days a week, not only for customers within India but also for those residing outside India.

    Banking Helpline Number: 1860 266 2666

    Abroad Helpline Number: +91 22 6600 6022 (Non Toll-free)

    If a customer is calling from outside India, they can connect to the customer service department by dialing on the aforementioned abroad helpline number or they may call on any of the following toll free number, depending on the country they are calling from. Customers must note that the availability of the helpline service is also dependent on the service provider they are calling from. The helpline numbers are as follows:

    USA - 1855 365 6767

    Australia – 0011 8004 4990 000

    Hong Kong – 0018 0044 9900 00

    U. K. – 0080 0449 90000

    Canada – 1855 7684 020

    Singapore – 8001 0130 54

    Kotak Mahindra Customer Service Email

    Customers can also get in touch with the customer service department via email. To get in touch via email, customers can also send an email at service.bank@kotak.com. Following the receipt of the mail, a customer service agent will get in touch with you shortly. Alternately, customers can also register their complaint by visiting the Kotak Mahindra Bank website and navigate to the Customer Service page. There are various tabs placed at the top of the page, one of which reads ‘Email Us’. On clicking that tab, the page will display a number of boxes for submitting an email query depending on the product it is concerning. Customers can also get in touch with the customer service department via their Net Banking account. In order to send the email, the customer must fill in an online form which will require them to provide account related information such as whether the individual is an existing customer of the bank or a new customer, a detailed account of the complaint, personal details such as their name, email address and mobile number for correspondence. The online form can be submitted by clicking on the submit button at the bottom of the page.

    If customers wish to report any fraud, vulnerabilities or security related issues concerning the bank, they must send in a mail at itsecurity.bank@kotak.com.

    Query / Complaint Registration via Mail

    If customers wish to get in touch with the customer service officials, they can also do it via post by writing in to the registered office of Kotak Mahindra or to the Customer Care center of the bank. The addresses for both are as below:

    Apply for Personal Loan

    Registered Office

    27 BKC, C 27, G Block,

    Bandra Kurla Complex,

    Bandra (E), Mumbai – 400051

    Customer Service Center

    Kotak Mahindra Bank Ltd.,

    P.O. Box: 16344,

    Mumbai - 400013

    Grievance Redressal

    Kotak Mahindra takes their customer’s grievances very seriously and for providing quick solutions, it has established a 4 tier grievance Redressal process. While a customer’s complaint may normally be solved after taking the first step, in the unlikely event that it is not so, they can proceed on to step 2, 3 and 4. The 4 steps of the grievance Redressal process are as follows:

    Level 1

    Customers can get in touch with the customer service department of the bank via various channels which include:

    • Filling the online form.
    • Sending an email at service.bank@kotak.com or from the inbox section of the Net Banking account.
    • Calling the toll free number 1860 266 2666 (24x7).
    • Visit any Kotak Mahindra branch.
    • Write in to the customer service department at Kotak Mahindra Bank Ltd., P.O. Box: 16344, Mumbai - 400013.

    Level 2

    In case the query is not resolved by following any option within 7 working days, customers can escalate their issue to Level 2 by sending an email to the bank’s Service Assurance Center. They can also download and fill up the Grievance Form from the Kotak Mahindra website and submit it on the address that is mentioned on the form itself.

    Level 3

    In case the customer has not yet received a satisfactory within 5 working days after contacting the Service assurance center, they can send an email to the bank’s Nodal Officer from the website by filling up the online form and stating their Service request number which they would have received after the first time of submitting their grievance at Level 1.

    Level 4

    In the unlikely event that the complaint has not been satisfactorily resolved by the Nodal Officer, they can send an email to the bank’s Principal Nodal Officer from the website by filling up the online form and stating their Service request number which they would have received after the first time of submitting their grievance at Level 1.

    Level 5

    In case the complaint or query has not received a satisfactory response at any of the previous levels, customers can escalate their issue and get in touch with the bank’s Internal Ombudsman. In case the query has not been resolved by the bank after a month, customers can directly contact the Banking Ombudsman.

    Kotak Mahindra Phone Banking Numbers

    In case a customer is not able to get through the customer service number provided above, they can also get in touch with the customer service officials by dialling on Kotak Mahindra’s local phone banking number. After placing the call, the customer must choose the options based on the actions they wish to perform.

    City Phone Banking Number
    Ahmedabad 66006022
    Allahabad 011 – 6600 6022
    Amritsar 95161 6500 6022
    Ankleshwar 9526 5664 6022
    Bangalore 66006022
    Bardoli 95261-66006022
    Chandigarh 0161-65006022
    Chennai 66006022
    Coimbatore 66006022
    Goa 9522-66006022
    Gurgaon 9511-6600602
    Himmatnagar 9579 66006022
    Hyderabad 66006022
    Indore 011-66006022
    Jaipur 6536022
    Jalandhar 95161-65006022
    Kadi 9579-66006022
    Kanpur 011-66006022
    Kapurthala 95161-65006022
    Kochi 0422-66006022
    Kolkata 65506022
    Kottayam 0422-66006022
    Lucknow 011-66006022
    Ludhiana 65006022
    Mehsana 9579-66006022
    Mohali 95161-65006022
    Morbi 95281-66006022
    Mumbai 66006022
    Nagpur 9522-66006022
    Namakkal 9544-66006022
    Navsari 95261-66006022
    New Delhi 66006022
    Noida 9511-66006022
    Panchkula 95161-65006022
    Patna 033-65506022
    Phagwara 95161-65006022
    Pune 6521 6022
    Rajkot 66006022
    Rajpura 95161 6500 6022
    Sankari 9544-66006022
    Surat 6600602
    Unjha 9579-66006022
    Vadodara 6646022
    Vallabh Vidya Nagar 95265-6646022
    Valsad 66006022
    Vapi 95261-66006022
    Varanasi 011-66006022
    Visnagar 9579-66006022
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