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Necessary Documents Required for a Personal Loan
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The key documents required for availing a personal loan from Kotak Mahindra Bank are as follows -
Personal loan documents for salaried person includes the last 3 months’ salary slips along with KYC documents and bank statements.
A pre-approved Personal Loan is an Instant Loan facility offered to select customers of Kotak Bank. This does not require any collateral/ documents.
No, the documents are required when applying for the loan. No post-sanction or pre-disbursement documentation is needed before availing the loan.
You would have to submit self-attested copies of all the KYC documents when availing of a personal loan along with the personal loan processing fees. The original documents might be required by the bank to verify the copies that you have submitted.
To apply for a Personal Loan, you'll need a valid identity proof (PAN Card, passport, Aadhaar card, Voter’s ID Card, or driving licence), residence proof (passport, Aadhaar card, or Driving licence), last three months' bank statement, salary slip for the last three months (for salaried employees), and 2-3 passport-sized photographs.
A: Eligibility criteria include being between 21 and 60 years, having a minimum monthly income of Rs 25,000 (Delhi and Mumbai) or Rs 20,000 (other parts of the country), and a CIBIL score of 750 or above.
Yes, individuals with a Rs 15,000 salary can easily avail of small cash loans ranging from Rs 50,000 to Rs 5,00,000. The actual loan amount will depend on the lender.
For a Rs 2 Lakh loan, you will typically need documents like valid identity proof, residence proof, last three months' bank statement, salary slip (for salaried employees), and passport-sized photographs.
If you lack income proof, lenders may accept alternative documents like ITRs, bank statements, or Form 16 to assess your financial condition and repayment capacity.
You can take multiple bank loans, including Personal Loans. However, it's crucial to consider your financial situation and goals when applying for additional debt.
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