Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 Kotak Personal Loan Diwali Offers Oct 2016
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 17.99% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    Kotak Personal Loan Diwali Offers Oct 2016 is Rated as "Pretty good" by 2034 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Kotak Personal Loan Diwali Offers Oct 2016

    Kotak Personal Loan Diwali Offers Oct 2016 – Grab Amazon Gift Card & Gocash

    Kotak personal loans can be availed by salaried individuals working in public organisations, large private companies, or MNCs. Personal loans from Kotak Mahindra can be availed for any personal reason such as weddings, holidays, educational fees, etc.

    Key features of Kotak Personal Loan

    • A maximum of Rs.15 lakh can be availed as personal loan from Kotak Mahindra Bank.
    • An interest rate of 11.49% to 20.15% is charged.
    • Processing fee comes up to 2% of the loan amount.
    • Loan tenure ranges between one to five years.
    • There is no guarantor required for this personal loan.
    • Pre-closure is allowed only after completion of a year.

    Kotak Mahindra Bank Business Loan Special Interest rates

    Kotak Mahindra Bank offers personal loan for doctors or medical practitioners for expansion of their operations or services. Only salaried doctors and self-employed doctors are eligible for the loan.

    Key features:

    • A maximum of Rs.45 lakh can be availed under this scheme.
    • An interest rate of 12.99% to 14.50% is charged.
    • Processing fee towards the loan is between 0.99% and 2%, which is a one-time payment.
    • Borrowers can take this loan for a tenure of one to five years.
    • No guarantor is required for taking this loan.
    • No pre-closure fee is charged for loan amounts above Rs.15 lakh.

    BankBazaar Diwali Offer on Kotak Mahindra Bank Personal Loan

    BankBazaar is running a Dhamal Diwali Flash Sale from 6th October, 2016 to 30th October, 2016. If you apply for a Kotak Mahindra Bank personal loan through BankBazaar within this period, you can avail the following benefits:

    • A gift card from Amazon, worth Rs.1,000, which can be redeemed for any Amazon product on the website.
    • Goibibo Gocash worth Rs.1,000. Redeem the GoCash on Goibibo when you book flights and hotels.

    How to get the offer for Kotak Personal Loans?

    You can follow the steps given below to avail the offer on personal loan from BankBazaar.com:

    • Apply for the specific personal loan that you are eligible for, on BankBazaar.com.
    • On disbursal of the loan, you will get a Rs.1,000 worth Amazon gift voucher along with Rs.1,000 worth of Go-cash voucher that can be availed from Goibibo’s site.
    • After the loan disbursal, the coupon is sent to the email ID mentioned in the loan application.
    • To redeem the gift voucher, you can either visit www.amazon.in, or download the Amazon app.
    • To redeem the Go-cash points, you can visit the website or download the Goibibo App.

    How to use the Goibibo coupon code and Terms of Usage

    You can redeem the Goibibo coupon code in the following way:

    • Log on to the Goibibo app and go to the ‘My Go-cash’ section.
    • In this section of the app, you can enter the coupon code received before the validity date of the voucher.
    • Check the validity date on the coupon sent via email.
    • The Go-cash points are added to your account. The validity of the points is 180 days from the day they are added.
    • To know more about the rules of Go-cash usage in details, you can log on www.goibibo.com/gocash.

    How to use the Amazon coupon code and Terms of Usage

    You can redeem the Amazon gift voucher in the following way:

    • Log on to the Amazon website or open the app on your mobile.
    • Select the products of your choice on the website or app and at the final step of billing, apply the coupon code.
    • Remember to check the validity date on the coupon sent to you over e-mail.
    • To know the usage rules of the voucher, and terms and conditions in detail, visit the Amazon website.

    Additional Reading: Best Diwali Offers on Personal Loan

    Terms & Conditions:

    • Welcome to Dhamaal Diwali Offer on BankBazaar.com (“Program”), co-programmed by Amazon and Goibibo (“Merchant”) and effective from 6th October, 2016 to 30th October, 2016 (“Program Period”).
    • Get Amazon gift voucher worth Rs.500 (Rupees Five Hundred only) and Go-Cash Vouchers worth Rs.500 (Rupees Five Hundred only) (“Vouchers” / “e-Cash” interchangeably), on Approval of Credit Card product on or before 15th December, 2016.
    • Get Amazon gift voucher worth Rs.1000 (Rupees One Thousand only) and Go-Cash Vouchers worth Rs.1,000 (Rupees One Thousand only) (“Vouchers” / “e-Cash” interchangeably), on Disbursal of Personal Loan product on or before 15th December, 2016.
    • Get Amazon gift voucher worth Rs.2,500 (Rupees Two Thousand and five Hundred only) and Go-Cash Vouchers worth Rs.2,500 (Rupees Two Thousand and five Hundred only) (“Vouchers” / “e-Cash” interchangeably), on Disbursal of Personal Loan product on or before 15th December, 2016.
    • Get Amazon gift voucher worth Rs.10,000 (Rupees Ten Thousand only) (“Vouchers”), on Disbursal of Home Loan product on or before 15th December, 2016.
    • On approval or issuance of the products as the case may be, the Vouchers and/or e-Cash will be emailed to your email address registered with BankBazaar.com. Please note that the Vouchers offered may be either promotional or gift Vouchers or both depending on the product against which they are issued. For more details of promotional Go-Cash Vouchers and usage limitations, please refer to the Go-Cash T&C below or visit www.goibibo.com. Similarly, for more details of Amazon Gift Vouchers and usage limitations, please visit www.amazon.in.
    • Descriptions of the Merchant’s Voucher advertised on BankBazaar.com are provided solely by the Merchant. BankBazaar.com does not investigate or vet any Merchant or Merchant’s Vouchers and is not responsible for any performance or quality claims associated with such description of the Merchant’s Voucher. All information provided on the Merchants Voucher is for informational purposes only and we encourage you to read all information presented on the Merchant’s website www.amazon.in and www.goibibo.com/gocash for warnings and directions that accompany the Voucher before use.
    • Redemption of the Voucher shall be completely governed by the Merchant’s Terms & Conditions and any query/claim/dispute may be referred to the Merchant alone. By use of this Voucher, you agree specifically to the terms on the Voucher and any additional terms as may be determined by the Merchant.
    • As the issuer of the Voucher, the Merchant shall be fully responsible to honour the Voucher, deliver customer services associated with it and resolve disputes, if any, in relation to the Voucher. BankBazaar.com does not make any warranty in relation to the Voucher, including, without limitation, their validity and/or value.
    • BankBazaar.com is not a party to any transaction that the Merchant and you may enter into as a result of you redeeming the Voucher. Shipment and tracking options may be stated in the Merchant terms and conditions and BankBazaar.com owns no liability on the same.
    • No Voucher requests will be entertained for any Personal Loan, Personal Loan, or Home Loan product disbursed after the expiry of the time lines mentioned above.
    • No Voucher requests will be entertained for any Credit Card product approved after the expiry of the time lines mentioned above.
    • The voucher is valid for select partners only. A banner displaying the Dhamaal Diwali Badge indicates that the offer is applicable for that particular product.
    • Participants should be 18 years and above as on date of submission of their application.
    • By obtaining the Vouchers through BankBazaar, you acquire only the right to use the same as per terms and conditions stipulated therein.
    • Participant must qualify the eligibility criteria, as may be laid down by partners and which may vary on product to product basis, for being eligible to participate and avail the offers under this Program.
    • BankBazaar shall not be liable for loss or damage of the Voucher once issued. Vouchers cannot be replaced or cancelled after issue.
    • This Program is valid for 1 order per product for a customer/participant during the Program Period.
    • In addition to the above, the Voucher is subject to the terms of use of BankBazaar and these additional terms and conditions
      • No cash or credit alternative in lieu of the Voucher is available under the Program.
      • Reproduction, resale, modification or trade of Voucher is prohibited.
      • Voucher once used cannot be reused.
      • BankBazaar reserves the right to add, modify or discontinue the terms and conditions of this Program at any time without prior notice.
      • BankBazaar reserves the right to verify the eligibility of participants. By taking part in this Program, participants confirm that they accept the terms and conditions set out herein.
    • The decision with respect to purchase of any financial product like Credit Card, Personal Loan, Personal Loan or Home Loan suitability or choice or the viability of any financial product or service shall always be the sole responsibility and decision of the user /subscriber/participant.
    • BankBazaar.com shall not be liable for any losses suffered by any participant/customer due to rejection of any application by the Partner Banks.
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  • Personal Loan Reviews

    • 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
      Was this review helpful? 0
      , 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%.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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 .
      Was this review helpful? 0
      , 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%.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 15, 2017
    • Kotak Personal Loan
      "Approachable Bank"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan application with KOTAK MAHINDRA BANK. Once my application started processing i got a call from the bank end confirming whether i applied for a personal loan or not. After that they told me that my application cant be processed since i am staying in a rural area,but i can recommend this bank to my friends those who lives in metro.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 15, 2017
    • Kotak Personal Loan
      "Very bad"
      0.5 1.0/5 "Really Bad"
      I have submitted all the documents when they asked going to their premises. I don't have my payslip so when got my payslips and called them back, I did not get any response from them calling since one and half month . Even if we visit bank no response its very bad . I had wasted all the time and money.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 15, 2017
    • Kotak Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I was expected the amount of Rs. 5 lakhs but Kotak Mahindra accepted to sanction only the amount of Rs.3 lakhs. I asked Kotak to increase the principal but they said as per the credit score they only sanction that particular amount, hence I have taken loan from some other bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2017
    • Kotak Personal Loan
      "Good "
      0.5 5.0/5 "Blown Away!"
      The kotak bank services are just good i wouldn't say it as excellent .Their executives have collected documents in proper time and gave apt information .But i don't know the reason why they have rejected the application.So i have opted for AXIS bank to avail loan .Over all its good with no processing fee .
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 14, 2017
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