Kotak Mahindra Bank Business Loan
Premium-focused private bank with sharp pricing for high-credit-quality salaried borrowers and a strong digital account ecosystem.
★ Relationship pricing for current-account customers.
Kotak Business Loan at a glance
- Interest rate
- 15% – 21% p.a.
- Processing fee
- Up to 2%
- Maximum amount
- ₹75 Lakh (unsecured)
- Tenure
- 1 – 5 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your Kotak business loan offer
It takes 2 minutes. This will not affect your credit score.
Kotak vs other lenders on business loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 15% – 22% p.a. | Up to 2% | ₹75 Lakh (unsecured) | Apply → |
| State Bank of India | 10.75% – 16% p.a. | Up to 1% | ₹5 Cr (SME schemes) | Apply → |
| ICICI Bank | 14% – 22% p.a. | Up to 2% | ₹1 Cr (unsecured InstaBIZ) | Apply → |
| Axis Bank | 14.25% – 20% p.a. | 1.25% – 2% | ₹75 Lakh (unsecured) | Apply → |
| Kotak Mahindra Bank | 15% – 21% p.a. | Up to 2% | ₹75 Lakh (unsecured) | Apply → |
| Punjab National Bank | 11% – 15% p.a. | Up to 1% | ₹5 Cr (MSME schemes) | Apply → |
| Bank of Baroda | 10.85% – 15.50% p.a. | Up to 1% | ₹5 Cr (SME) | Apply → |
| IDFC FIRST Bank | 14.50% – 24% p.a. | Up to 2.5% | ₹1 Cr (unsecured) | Apply → |
| Tata Capital | 15% – 25% p.a. | Up to 2.75% | ₹90 Lakh (unsecured) | Apply → |
| Bajaj Finserv | 14% – 26% p.a. | Up to 2.95% | ₹80 Lakh (unsecured) | Apply → |
Eligibility
- Business vintage
- 2+ years
- Annual turnover
- ₹10 Lakh+ (varies by lender)
- Age
- 23 – 65 years
- Credit score
- 685+ recommended
Documents required
- PAN and Aadhaar of proprietor/partners/directors
- GST returns for the last 12 months
- Last 12 months' bank statements
- 2 years' ITR with financials
- Business registration proof
Kotak Mahindra Bank Business Loan FAQs
What is the Kotak Mahindra Bank business loan interest rate?
Kotak Mahindra Bank business loan rates currently run 15% – 21% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 2%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much business loan can I get from Kotak Mahindra Bank?
Up to ₹75 Lakh (unsecured), subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of 1 – 5 years. Use our eligibility calculator for a quick estimate.
Should I apply to Kotak Mahindra Bank directly or through QCred?
The rate and product are the same — but through QCred you see how Kotak's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.