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Kotak Mahindra Bank Personal Loan for Home Renovation in Delhi NCR through LoanMoney

About Kotak Mahindra Bank Personal Loan for Home Renovation


Home is the place where your story generates. All your dreams of making your place into a lovely home can be fulfilled easily through LoanMoney. Start renovating your place a more beautiful one with Kotak Mahindra Bank Personal Loan for Home renovation. Designing interiors or home improvement can bring lot of hassles such as deposit for the contractor, costs and quality raw materials, hiring an interior decorator/planner and above all, putting your own efforts to make all your dreams come alive in those four walls. But with Kotak Mahindra Bank Personal Loan for Home renovation through LoanMoney, insufficient funds would no longer be an issue. With the help of Kotak Mahindra Bank Personal Loan through LoanMoney you can submit your documentation easily for Home Renovation Loans and it will be disbursed quicker, so that you can get your work started smoothly. 

Home Improvement Loan covers- 

  • Water-proofing & roofing
  • Tiling and flooring
  • Plumbing & electrical work
  • False ceiling & woodwork (fixed to the building)
  • Complete renovation of already owned residential property
  • Upgradation
  • Repair of your house/flat
  • External & internal repairs/paint 

Documentation Required for Home Renovation Loan

  • The first document will be the application form for the Loan with photographs.
  • Both salaried and self-employed people may be required to submit salary statements.
  • You may also need to provide bank statements covering the last 6 months.
  • You may be asked to provide Form 16s and IT returns or ITAO documents.
  • You must also submit a quotation from your architect on the estimate on how much the renovation is going to cost.
  • An address proof will also be required. This can be a drivers license, passports, ration cards, etc.
  • In some cases an identity proof may also be asked for which it can be driving licenses, Aadhar cards, passports, phone bills etc.
  • Pan cards, driving licenses, Aadhar cards and passports can also be submitted as proof of age, if required. 

Features and Benefits of Kotak Mahindra Bank Personal Loan

  • The Kotak Mahindra Bank allows a Personal Loan amount ranging from a minimum of Rs. 50000 to a maximum of Rs.5 lakhs.
  • The Kotak Mahindra Bank allows flexible repayment options. A salaried professional can avail Personal Loan for a period of 12-60 months.
  • The Kotak Mahindra Bank provides doorstep facility to individuals interested in availing a Personal Loan.
  • Keeping in mind the convenience of its customers, Kotak Mahindra Bank provides Loans with a simple documentation process. It follows this method to protect its customers from unnecessary burdens of arranging too many documents.
  • Along with quick documentation, Kotak Mahindra Bank also adopts quick processing methods in order to avoid a long waiting period of Loan sanctioning for the applicant. Kotak Mahindra Bank ensures a quick Loan disbursement
  • Personal Loans are easy Loans, made available to customer without any security or collateral from Kotak Mahindra Bank. The applicant need not keep any security with the Kotak Mahindra Bank for obtaining a Personal Loan. 

Eligibility and documentation Required for Kotak Mahindra Bank Personal Loan

The eligibility to avail Personal Loans is as follows

All Indian residents are eligible for a Personal Loan who

  • Are employees of either MNC, Public and Private limited companies
  • Has a minimum age of 21 years and maximum age of 58 years.

Other Personal Loan eligibility criteria: 

  • Income Net monthly salary of Rs. 25,000/-
  • Minimum educational qualification - Graduate
  • Years in city - Minimum 1 year
  • Total work experience - Minimum 2 years


Documentation Required for Kotak Mahindra Bank Personal Loan

  • Application Form
  • 1 Photograph
  • Identity Proof
  • Residence Proof
  • Age Proof
  • Signature Proof
  • Ownership Proof
  • Income Details
  • Bank Account Statement


Kotak Mahindra Bank Personal Loan Interest Rates

Get a step closer to fulfilling your dreams by availing Kotak Mahindra Bank Personal Loans and meet your financial needs at attractive interest rates. Pay lower interest on Personal Loan and also benefit from our flexible repayment options. Read More..


Why choose LoanMoney for taking Home Renovation purpose Personal Loan from Kotak Mahindra Bank

Quick Loan disbursal 

When you apply for a Kotak Mahindra Bank Personal Loan for remodelling your house through LoanMoney, you won’t have to wait for weeks for the money to be transferred into your account; the Loan amount gets credited into your account within 72 to 120 hours (3 to 5 days!). The disbursal time is one of the benefits of Kotak Mahindra Bank Personal Loan. Therefore, it proves to be a huge blessing for you in case of an emergency.

Easily Available – Getting Kotak Mahindra Bank Personal Loan for Home Renovation purpose is not a tough task. Kotak Mahindra Bank Personal Loan is offered at reasonable interest rates and it is easy and convenient to get Home Renovation Loan from Kotak Mahindra Bank in comparison get Personal Loan from other Banks or NBFCs.

No Agent or Middleman Charges– In order to get Home Renovation Loan from Kotak Mahindra Bank, you do not have to pay any agent or middleman charges. LoanMoney as your Loan Agency help you to avoid unnecessary delays and expenses.

Unsecured Loan –Kotak Mahindra Bank Personal Loan is an unsecured Loan. There is no collateral security required in order to get this Home Renovation Loan from Kotak Mahindra Bank. All that is required is your ability to pay back the money. You are not required to mortgage any of your assets or provide for any kind of guarantee. LoanMoney will try it best to ensure that Kotak Mahindra Bank become sure of your re-payment ability and Kotak Mahindra Bank will process the Loan.

Less Processing Time – LoanMoney guarantees that the processing time involved in getting Home Renovation Loan from Kotak Mahindra Bank is very less.

Minimum Paperwork – LoanMoney ensures that getting a Home Renovation Loan from Kotak Mahindra Bank does not require verification of any asset or any other kind of proofs and certificates that involve a lot of paperwork.

Schemes and Offers – LoanMoney keeps you updated with special schemes and offers of Kotak Mahindra Bank for professionals like Chartered Accountants, Doctors and Architects etc. 


About Kotak Mahindra Bank

Kotak Mahindra Bank is an Indian private sector Bank headquartered in Mumbai Maharashtra, India. It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of personal finance, investment banking, life insurance, and wealth management. 

Kotak Mahindra Bank offers Personal Finance - the single expert source for all your financial needs. Unexpected Expenses, Education, Wedding in the family, Home Improvement or that long awaited Vacation. 

Loan Application


It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.


Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.


Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.


A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.
The Education Loan aims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
Debt consolidation/ Financial Restructuring is a process to streamline one's financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

Disclaimer: LoanMoney is not a Loan Providing Organization. We are facilitating the Loan Process from various Banks & NBFC. The rate, eligibility criteria, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site. LoanMoney help you to embark on your dream at the right time with many Banks/NBFC's Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements... read more

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