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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.
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Does it feel like there is so much you want to do in life, but it keeps getting delayed because of lack of funds? Do you keep calculating how much time it will take to save up enough money to do something like go on your dream vacation or renovate your home or upgrade your phone? And does the amount of time discourage you? Then, in that case, what you need to do is consider taking a personal loan.
By applying for a personal loan with Kotak, you can upgrade your lifestyle without having to wait any longer! Here’s everything you can do with this instant and helpful financing option:
1. Plan your wedding
So, you found your perfect partner and the perfect venue and outfit for your wedding but don’t know how any of it will materialise soon enough because of budgetary constraints? You no longer have to delay one of the biggest days of your life!
When you apply for personal loan with Kotak, you can use the funds to meet all your wedding expenses, from the venue and catering to your wedding outfits and honeymoon. You are free to plan and finance your dream wedding the way you’d like.
2. Go on that vacation
Everybody has that one vacation on their bucket list that they keep dreaming about. Whether it is a Europe trip or a bike trip in Leh and Ladakh, make it happen this year and strike it off your bucket list. The best part about applying for a personal loan with Kotak is that you can undertake the whole process online.
Once you have decided your dates for the vacation, you can simply click on the personal loan apply button on Kotak’s official website. The application process is quick and simple, and the documentation required is minimum. You can get the funds transferred to your bank account in a matter of a few hours once your loan application has been approved.
3. Invest in yourself
There may be a few things that if you do invest in for yourself, may give you more confidence and joy. That could be getting a certain skin or hair treatment done, going on a wellness retreat for your mental and emotional well-being, learning a foreign language, etc.
One of the benefits of applying for a personal loan with Kotak is that you can apply for an amount as high as Rs 40 lakh. So, whether you need to up your fashion game, renovate your house to reflect your personality, or plan a luxurious spa retreat to rejuvenate your mind, you can easily avail funds by applying for a personal loan.
Things to remember when applying
An essential factor to consider before you click on the personal loan apply online button is to understand what your Equated Monthly Instalment (EMI) will look like and if you will comfortably be able to pay it every month to pay off the loan.
For this, you can use the personal loan EMI calculator available on Kotak’s website. This handy tool will help you get an estimate of what your personal loan EMI could look like and what your overall interest cost will be. You simply need to enter the estimated personal loan interest rate, the amount you want to borrow, and what you want the loan tenure to look like. Within seconds the personal loan EMI calculator will provide you with an accurate estimate of your personal loan EMI.
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