3K+
Unsecured Business Loans
Kotak Bank Ltd, headquartered in Mumbai, is a leading private sector bank in India, trusted for strong digital banking, customer-centric lending, transparent pricing, and robust MSME-focused financial solutions.
Availing Loan
NEVER BEEN SO EASY
Research & Explore
An online quote is an estimate of the cost of a product or service provided
Comparison Tools
Picking a product refers to the process of selecting a specific from a range
Reviews & Feedback
Product packaging refers to the materials and design used to protect
Secure Your Loan
Product transport refers to the process of moving products from one location
🏦 Kotak Bank Ltd Unsecured Business Loan – Grow Your Business Without Collateral
Kotak Unsecured Business Loan is a collateral-free loan offered based on your business income, banking behaviour, and credit score. You don’t need to mortgage property or assets, making it ideal for quick funding needs.
📊 Kotak Bank Unsecured Business Loan – Types & Features
Explore Kotak Bank Unsecured Business Loan types with interest rates, loan amount, tenure and processing fees.
📋 Loan Types & Key Details
| Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fee |
|---|---|---|---|---|
| MSME Business Loan | From ~11.25% p.a. | ₹50,000 – ₹75 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Working Capital Loan | Profile-based | Up to ₹50 Lakhs | Up to 36 months | As applicable |
| Professional Business Loan | Risk-based | Up to ₹75 Lakhs | Up to 48 months | Up to 2% + GST |
| Small Business Loan | Customised | ₹50,000 – ₹40 Lakhs | Up to 36 months | As per offer |
*Interest rates depend on CIBIL score, income stability, and banking profile.
💡 PoketCare Pro Tip
Kotak Bank prefers stable digital transactions and low cash dependency—PoketCare checks this before applying.
🎯 Purpose of Kotak Bank Unsecured Business Loan & Ideal Borrowers
Know the permitted uses and ideal borrower profile for Kotak Bank Unsecured Business Loan.
✅ Permitted Uses
- Working capital & supplier payments 💸
- Business expansion or renovation 🏢
- Machinery & equipment purchase ⚙️
- Marketing, branding & online growth 📢
- Emergency business expenses 🚨
👥 Ideal Borrowers
- Applicant: Business owner / professional aged 21–65
- Co-Applicant: Spouse or business partner (income clubbing allowed)
💡 PoketCare Pro Tip
Adding a co-applicant with regular income can boost eligibility and reduce EMI pressure.
🛡️ Insurance Recommendation – Secure Your EMIs
Recommended insurance plans to protect Kotak Bank Unsecured Business Loan EMIs.
🔐 Suggested Insurance Plans
- Kotak Life Credit Protect
- Kotak General Loan Protection Insurance
Why Insurance Matters:
- EMI protection during illness or accident
- Business continuity assurance
- Financial safety for family 👨👩👧
💡 PoketCare Pro Tip
Loan insurance costs less than one EMI but protects your business reputation and credit score.
✅ Eligibility Criteria – Kotak Bank Unsecured Business Loan
Check Kotak Bank Business Loan eligibility, minimum income, CIBIL score and income-clubbing options.
📌 Basic Eligibility
- Indian resident
- Business vintage: Minimum 2–3 years
- CIBIL Score: 650+ preferred
- Active current or savings account
💰 Minimum Income Requirement
- Self-Employed: ₹1.5–2 Lakhs average monthly bank credit
- Professionals: ₹2 Lakhs+ monthly gross receipts
➕ Other Income Considered
- Rental income
- Partner/shareholder income
- Secondary business income
- Spouse income (case-to-case)
💡 PoketCare Pro Tip
Many eligible cases fail due to poor income presentation—PoketCare structures income legally to maximise approval chances.
📑 Documents Checklist – Simple & Fast
Complete document checklist for Kotak Bank Unsecured Business Loan applicants.
🧾 Salaried (Sometimes Applicable)
- PAN & Aadhaar
- Last 6 months bank statements
- Latest salary slips
- Address proof
🧾 Self-Employed / Business Owners
- PAN & Aadhaar
- Business proof (GST / Shop Act / License)
- Last 6–12 months bank statements
- ITR (2–3 years)
- Financials (if available)
💡 PoketCare Pro Tip
Even with modest ITR income, strong bank inflows can help secure approval.
💸 All Charges – Pre & Post Disbursement
Know all charges involved before and after Kotak Bank Unsecured Business Loan disbursement.
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 2.5% + GST |
| Documentation Charges | Nil / Included |
| Foreclosure Charges | 2–5% (as per tenure) |
| Part-Payment Charges | As per loan terms |
| EMI Bounce Charges | ₹450–₹750 |
| Late Payment Penalty | As per bank policy |
| GST | Applicable as per law |
💡 PoketCare Pro Tip
We clarify foreclosure and part-payment rules before disbursal, not when you want to close the loan.
🌟 Benefits of Kotak Bank Ltd Unsecured Business Loan via PoketCare
Exclusive benefits of applying Kotak Bank Business Loan through PoketCare.
- ⚡ Faster approvals with AI-based profile matching
- 📉 Competitive interest rates
- 📞 Free expert support till disbursal
- 📄 100% paperless application
- 🔍 Transparent lender comparison
- 🎯 Higher approval success rate
💡 PoketCare Pro Tip
Applying to multiple lenders directly can hurt your CIBIL. PoketCare applies strategically and safely.
🔗 Useful Full Links for Business Loan Borrowers
- Kotak Mahindra Bank Official Website:
- https://www.kotak.com
- PoketCare Business Loan Page:
- https://www.poketcare.com/business-loan
- EMI Calculator:
- https://www.poketcare.com/emi-calculator
- Free CIBIL Score Check:
- https://www.poketcare.com/cibil-score
🏁 Conclusion – Fund Smart, Scale Faster
A Kotak Bank Ltd Unsecured Business Loan is ideal for entrepreneurs who want quick, collateral-free funding backed by strong banking trust. With PoketCare, you get expert guidance, better-matched offers, and complete transparency—without risking your credit score.
👉 Apply once. Compare wisely. Grow confidently with PoketCare. 🚀