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In a world where financial support can be a lifeline, Kotak Mahindra Bank brings you a ₹3 Lakh Personal Loan on Aadhaar Card, designed to provide quick, hassle-free assistance.
We understand that unexpected expenses can arise anytime, whether it's a medical emergency, educational fees, or any other financial need. That's why we offer a straightforward solution to help you overcome these challenges.
In the world that we live in today, time is of the essence. Recognising the value of your time, we have streamlined the loan application process to make it effortless and convenient. You can initiate your application, upload essential documents, and complete the entire process online without visiting a physical branch.
With our user-friendly online platform, you can apply for a ₹3 Lakh Personal Loan on Aadhaar Card from the comfort of your home or office. Say goodbye to long queues and endless paperwork.
Our ₹3 Lakh Personal Loan on Aadhaar Card stands out with a range of features and services that make it an ideal choice for your financial requirements.
We understand that urgent financial needs can occur suddenly. Hence, our loan offers swift approvals, ensuring you can access funds precisely when needed.
Borrowing doesn't have to be a financial burden. Our competitive interest rates ensure you can access the funds you require while maintaining financial stability.
Choose from various repayment plans that match your financial capacity, making it easier to manage your loan.
You can select the loan tenure that suits your needs, ranging from 1 to 6 years.
We've simplified the documentation process, reducing the hassle of paperwork.
Apply conveniently from the comfort of your home or office through our user-friendly online platform.
We maintain transparency with clear information about interest rates and charges, ensuring no hidden surprises.
We believe in transparent documentation. To facilitate a smooth and hassle-free loan application process, you'll need to provide the following documents for a ₹3 Lakh Aadhaar Card Loan.
| Document Type | Acceptable Documents |
|---|---|
| Identity Proof | Aadhaar Card, Voter ID, Passport, or Driving License |
| Address Proof | Aadhaar Card, Utility Bills, Voter ID, Passport |
| Income Proof | Recent 3 salary slips, bank statements, or ITR documents |
At Kotak, our commitment is to ensure transparency and provide convenience to our customers. We believe in providing a clear breakdown of all charges associated with our ₹3 Lakh Personal Loan on Aadhaar Card. This transparency ensures you can make informed financial decisions with confidence.
| Interest Rate | Starting at 10.99% per annum |
| Processing Fee | Up to 3% of loan amount + Applicable Taxes |
| Pre-payment Charges | ₹500 + taxes for every instance of pre-payment |
| Repayment Mode Swap Charges | ₹500 + Taxes per instance |
| EMI Bounce Charges | ₹500 + Taxes per instance |
To help you plan your finances effectively, we present a tabular breakdown of the Equated Monthly Instalments (EMI) for a ₹3 Lakh Personal Loan on Aadhaar Card with flexible tenures ranging from 1 to 6 years.
| Loan Amount (₹) | Interest Rate (per annum)* | Tenure (years) | EMI (₹) |
|---|---|---|---|
3 Lakh |
10.99% |
1 | ₹26,513 |
| 2 | ₹13,980 | ||
| 3 | ₹9,820 | ||
| 4 | ₹7,752 | ||
| 5 | ₹6,521 | ||
| 6 | ₹5,708 |
The first step towards securing our ₹3 Lakh Personal Loan on Aadhaar Card is ensuring you meet the eligibility criteria. Review the following requirements to determine your eligibility.
| Eligibility Parameter | Eligibility Criteria |
|---|---|
| Age | 21 to 60 years. |
| Employment | You must have a minimum of 1 year of employment at an MNC, public, or private limited company. |
| Minimum Salary | Eligibility varies based on your type of salary account -
● Kotak Bank Salary Account holders: Minimum monthly salary of ₹25,000 ● Non-Kotak Bank Salary Account holders: Minimum salary of ₹30,000 ● Kotak Bank Employees: Minimum monthly salary of ₹20,000 |
Once you know the basics of eligibility and how to use our eligibility and EMI calculators, applying for a ₹3 Lakh Personal Loan on Aadhaar Card is rather simple. We have ensured you can do this in 4 simple steps and from the comfort of your home or office.
The monthly EMI for a ₹3 Lakh loan depends on your chosen tenure and interest rate. You can use our EMI calculator to determine the exact amount.
You can apply for our ₹3 Lakh loan on an Aadhaar Card online and, if eligible, receive quick approval and disbursal.
You can get a loan of up to ₹3 Lakh based on your Aadhaar card, subject to eligibility and approval.
Individuals aged between 21 to 60 years, with a minimum of 1 year of employment at an MNC, public, or private limited company, and meeting the minimum salary criteria, are eligible for a ₹3 Lakh loan.
Our efficient approval process ensures you can swiftly get approved for a Personal Loan of up to ₹5 Lakh within 30 minutes online.
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