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Credit Solutions

Smarter ways to finance your dreams

  • Home Loan

    Kotak Mahindra Bank provides you customised Home Loan facilities for a seamless and pleasurable home-buying experience. In a market where the basic product is largely similar, the differentiator is our ability to understand the customer's need completely and structure the eligibility and loan amount appropriately.

  • Smart Home

    This is a unique home loan where up to 30% of the loan amount is disbursed as an overdraft and the balance 70% as a term loan. Excess funds lying in your Savings Account over a threshold are automatically transferred to the Overdraft Account to help you save on your home loan. If you have further surplus funds, they flow into term deposits of 180 days, thereby offering you better returns on your money. This account gives you the flexibility to withdraw funds at will and you pay interest only on the overdraft utilised. The interest charged on the term loan as well as the overdraft are considered as expenses under section 24 of the Income Tax Act.

  • Smart Overdraft

    This is an unsecured overdraft limit that is customised based on your needs and specific requirements. The facility gives an overdraft limit of up to 4 times the gross salary* for salaried individuals. There is no collateral involved and you pay interest only on the utilised amount.

    *Conditions Apply

  • Personal Loan

    You can avail of a personal loan to meet unexpected expenses, finance a dream holiday, pay school or college fees, meet wedding and home improvement expenses, or even to purchase consumer durables.

  • Car Loan

    Kotak Mahindra Prime Limited, a Kotak Group Company, offers you flexible schemes to suit your needs, with hassle-free documentation and quick processing. To own and drive your car in the quickest possible time, just get in touch with us.

  • Loan Against Securities

    Get quick access to funds with Loan Against Securities. We offer loans up to Rs. 20 lakh against equities and up to Rs. 2 crore against debt mutual funds and life insurance policies.