Kotak Mahindra Bank Ahmedabad

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About Kotak Mahindra Bank

Kotak Mahindra Bank is a private sector bank that received the licence to conduct banking activities in the year 2003. It is a division of Kotak Mahindra Finance Limited. The banking unit was incorporated to ease the financial troubles and banking problems of the residents by providing tailor-made solutions. The Bank’s segments include Treasury, BMU and Corporate centre, which includes dealing in debt, equity, money market, forex market, derivatives and investments and primary dealership of Government securities and Balance Sheet Management unit (BMU). The retail banking segment includes lending and credit cards and Corporate/ Wholesale Banking, includes wholesale borrowings and lending, and other related services. The bank even provides the benefit of vehicle financing, that includes retail vehicle finance and wholesale trade finance. The other lending services provided by the bank involves financing against securities and other loans; Broking, which is engaged in market transactions done on behalf of clients; Advisory and Transactional Services, which provide financial advisory and transactional services; Asset Management, which manages investments on behalf of clients and funds, and Insurance, which provides life insurance and general insurance. With this vast range of banking products, the bank is always ready to provide quick and timely services to the customers.

Address of Kotak Mahindra Bank Branches in Ahmedabad

The complete address, IFSC Code, MICR Code and customer care details of Kotak Mahindra Bank located inAhmedabad are mentioned in the table below:

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Ahmedabad - Changodar

Kotak Mahindra Bank Ltd, Block No 565, Sarkhej Bavla, NH 8 A, Changodar, Taluka Sanand, Ahmedabad - 382213, Gujarat, IndiaKKBK0000158380485005(02717) 658985
Ahmedabad - Maninagar

Kotak Mahindra Bank Ltd, Gr. Floor, Prime Plaza, Opp. Rajivbhai Towers, Maninagar, Ahmedabad - 380008, Gujarat, IndiaKKBK0000159380485006(079) 66060268
Viramgam - Mandal Road

Kotak Mahindra Bank Ltd, Shop No. 19, 21, 22, Akshar Complex, Mandal Road, Ahmedabad Viramgam - 382150, Gujarat, IndiaKKBK0000160382485061(02715) 28002145
Gujarat - Satellite

Shop No. 6 & 7, Shidhivinayak Complex, Shivranjini Char Rasta, SatelliteKKBK0000810380485004(079) 66310000
Ahmedabad - Ghantakarna Market

213 - 214, Sakar Ii, Ellisbridge Corner, Ashram Road, Ahmedabad - 380 006KKBK0000811380485002(079) 66060477
Ahmedabad - Chandan House

Ground Floor, Chandan House, Opp. Abhijeet Iii, Near Mithakali Six Roads, NavrangpuraKKBK0000812380485003(079) 66614800
Ahmedabad - Drive In

Kotak Mahindra Bank Ltd. Ground Floor, Ishwar Complex, Opp. Gurukul Towers, Drive In Road, Ahmedabad - 380052 GujaratKKBK0000825380485007(079) 65231797
Ahmedabad - Shahibaug

Kotak Mahindra Bank Ltd. Shop No 32, 33, 34 Upper Level Advance Plaza, Shahibaug Ahmedabad - 380004KKBK0000827380485009(079) 65108248
Bodakdev Branch

Kotak Mahindra Bank Ltd, Parshwa Tower, S. G. Road, Bodakdev, Ahmedabad, Gujarat - 380 054KKBK0000836380485010(079) 65249502-14
Vatva Branch

Kotak Mahindra Bank Ltd, Shop No. 10 - 12, Karnavati Industrial Estate No.2, Ramol Cross Roads, Vatva, Gidc Phase IV, Ahmedabad 382445KKBK00008373804850121800226022
Chandkheda BranchKotak Mahindra Bank Ltd, Chandkheda Branch - Ahmedabad., Shop No. 16, 17, 18 & 19 On The First Floor, Shop No. G 13, On The Ground Floor, Shyamal Complex, New C G Road, Chandkheda, Ahmedabad - 382424 - GujaratKKBK00008393804850141800226022
Prahaladnagar Branch

Kotak Mahindra Bank Ltd, Prahladnagar Branch, Ground Floor, Paras - II, Plot No.1, Prahalad Nagar, Near Auda Garden, Ahmedabad - 380015KKBK00025603804850161800226022
Ashram Raod Branch Ahmedabad

Kotak Mahindra Bank Ltd, Ashram Road Branch, Ground Floor, And Basement, Shop No. S G-1 G-2 & C-1, Vikram Chambers, Ashram Road, Ahmedabad- 380009KKBK000256238048501818001026022
Odhav Branch Ahmedabad

Kotak Mahindra Bank Ltd, Odhav Branch- Ahmedabad, Ground Floor, Shop No. 39, 40 41 , 42, 43 & 44, Tejendra Complex Block B, Opp. Cmc Odhav Road, Ahmedabad- 382415KKBK000256338048501918001026022
Raipur Branch Ahmedabad

Kotak Mahindra Bank Limited Sumel Business Park III Branch, Ground Floor, Shop No. 26, 27, 28 & 29, Block A, Sumel Business Park-III, Raipur- Ahmedabad Pin : 380002, GujaratKKBK000256638048502218001026022
Gujarat Ambuja Co Op Bank Ltd Sola Road

Gujarat Ambuja Co-Op Bank Ltd, 1, 2, 3, Navrang Tower, Sattadhar Cross Road, Sola Road, Ghatlodia, Ahmedabad- 380061KKBK0GACB02380118353079-27452224/ 079-27495852
Gujarat Ambuja Co Op Bank Ltd Odhav

Gujarat Ambuja Co Op Bank Ltd. Ridham Complex, Nr. Fire Station, Below Balaji Guest House, Gidc, Odhav, Ahmedabad -382415KKBK0GACB033801183539909087067
Shree Kadi Nagarik Sahakari Bank Ltd Naranpura Branch

Shree Kadi Nagarik Sahakari Bank Ltd Naranpura Branch Ishwar Complex, Opp. Sardar Patel Stadium, Stadium Six Road, Navrangpura, Ahmedabad, Pin-380009KKBK0KNSB0238080200207926423680/ 26420720
Shree Kadi Nagarik Sahakari Bank Ltd New Ranip Branch

Shree Kadi Nagarik Sahakari Bank Ltd New Ranip Branch Shop No.32 To 37, First Floor, Aakash Residency, New Ranip, Ahmedabad-382470KKBK0KNSB04380802004079 27590128
Shree Kadi Nagarik Sahakari Bank Ltd Chandlodiya Branch

Shree Kadi Nagarik Sahakari Bank Ltd Chandlodiya Branch G-1, Appolo Arcade, R.C. Technical Road, Chandlodiya, Ahmedabad-382481KKBK0KNSB05380802005079 27774482
The Karnavati Co Op Bank Ltd H.O. Bapunagar - Kcob002

The Karnavati Co Op Bank Ltd, 105, Radha Raman Complex, Nr. Khodiyarnagar, N.H. No.8, District: Ahmedabad Pin 382350. GujaratKKBK0TKCB01380124252079-22973380
The Karnavati Co Op Bank Ltd Nikol - Kcob003

The Karnavati Co Op Bank Ltd, B/58, Sardar Patel Mall, Nikol Gam Road, Nikol, District: Ahmedabad Pin 382350 GujaratKKBK0TKCB02380124253079-22704764
The Karnavati Co Op Bank Ltd Odhav - Kcob004

The Karnavati Co Op Bank Ltd, 1-4, V.K.Complex, Nr. Manglam Cinema, Odhav Road, District: Ahmedabad Pin 382415. GujaratKKBK0TKCB03380124254079-22975856

Products Offered by Kotak Mahindra Bank in Ahmedabad

In Ahmedabad, Kotak Mahindra bank provides a wide range of products and services. The details of each product along with the eligibility criteria and documents required is mentioned below.

Kotak Mahindra Bank Products Details

Product NameEligibility CriteriaAmount Interest RateProcessing FeeTenure
Home Loan Individuals, either solely or jointly can apply for the home loan if they fall in the age bracket and earn a considerable income as per bank norm Up to 90% of the property8.90%
Nil Up to 20 years
Personal LoanAll Indian residents who are employees of either MNCs, Public and Private limited companies with:
- Minimum age 21 years and maximum 58 years
- Minimum net salary of ₹ 25,000
- Graduation as minimum Education qualification
- Minimum 1 year of stay in the current city
- Having total work experience of 2 years
Minimum - ₹ 50,000
Maximum - ₹ 15,00,000
10.99% - 20.99%
Up to 2% of the loan amount + service taxUp to 5 years
Car LoanEligible Segments- Partnership Firms and LLPs, Public & Private Ltd. companies, HUFs and Trusts

Criteria for Salaried:
Minimum age of the applicant should be 21 years
Maximum age of the applicant at loan maturity should be 58 years
The applicant must earn minimum income of ₹ 15,000 per month
Must have minimum employment of 12 months

Criteria for Self- Employed;
Minimum age of the applicant should be 21 years
Maximum age of the applicant at loan maturity should be 65 years
Minimum employment in the current line of business should be at least 1 year
Minimum - ₹ 75,000
Maximum - Up to 90% of the car value
As per company’s normsAs per company’s norms
Maximum - 7 years
Loan Against Property- All individuals either solely or jointly can apply for loan against property
- Minimum annual income should be Rs. 1.44 lakh as per the P&L.
- Minimum 21 years of age.
- Maximum 65 years of age at the time of loan maturity.
- Firm/company should have been in operation for the last 3 years.
- Firm/company should be making cash profits for the last two years.
₹10 lakhs to ₹3 crores10% p.a. up to 1% of the loan amountMaximum Up to 12 years
Business LoanThe borrower should be in the line of business for 3 years and the business should be profitable for last 2 years.

The eligible segments are:
- Self employed businessmen with an annual turnover of ₹ 2 crores
- Manufacturers with an annual turnover of ₹ 1 crore
- Service Providers with an annual turnover of ₹ 50 lacs
₹ 3 lacs to ₹ 75 lacs16% p.a. - 19.99% p.a.Up to 2% of the loan amount15 years
Gold Loan- The applicant should be a resident Individual or Proprietor
-The age of the applicant should be 18 years and above
Minimum - ₹ 25,000
Maximum - ₹ 25 lacs
10.5% p.a. to 17% p.a.2% of the loan amountUp to 3 years
Education Loan- The student should be an Indian National
- The student shall have secured the admission in India or abroad through an entrance test or through merit based selection process
- The minimum age of the joint applicant should be 21 years but not more than 70 years
For studies in India - maximum ₹10 lacs

Studies abroad - maximum ₹ 20 lacs
11.5% p.a. - 24% p.a.Up to 2% of the loan amount + service tax
Fixed DepositAn individual either solely or jointly
A minor jointly with a major
HUF
Private Traders
Professionals
Partnerships Firms
Companies
Clubs
Societies & Corporates
-3.50% - 7.93%
-7 days to 10 year

Documents Required

The list of documents required to avail the benefit of the financial products are given below:

Product NameDocuments
Home Loan Proof of identity (photocopies of Voters ID card/ Passport/ Driving
licence/ IT PAN card)
Proof of residence (photocopies of recent Telephone Bills/ Electricity Bill/
Property tax receipt/ Passport/ Voters ID card)
Proof of Income - Original Salary Certificate from employer, TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt., Acknowledged copies of three years I.T. returns/ Assessment Orders, Photocopies of challans evidencing payment of Advance Income Tax
Proof of business address for non-salaried individuals
Statement of Bank Account/ Pass Book for last six months
Signature identification from present bankers
Personal Assets and Liabilities statement
Personal LoanApplication Form
1 Latest Photograph
Identity Proof - Passport/ PAN Card/ Voters ID card/ Driving License etc
Residence Proof - Ration card/Driving License/Voters ID card/ Passport / Telephone Bill/ Electricity bill/Life Insurance policy
Age Proof - Passport, PAN Card or Any Other Certificate from Statutory Authority
Signature Proof
Ownership Proof
Income Proof - Salary slips for last 3 months, ITR/ Form 16 for last 3 years, Latest Income Tax Return
Bank Account Statements
Car LoanDuly filled Application form
Photograph
Proof of Identity:- Passport copy, PAN Card, Voters Id car, driving licence( Laminated, Recent, Legible)
Income Proof: Latest salary slip with Form 16./ Income Tax Returns of 2 previous financial years
Address Proof: Ration card/Driving licence/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card
Signature Verification from your Banker / Voters ID / IT PAN card / IT Return / Driving License / Passport
Salary Bank Statement/ Business Bank Statement
P&L A / C and B / S for the last 2 years certified by CA by Non-Salaried
Loan Against PropertyApplication form
Financial Statements/ Bank Statement
Address Proof: Ration card/Driving licence/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card
Age Proof - Passport, PAN Card or Any Other Certificate from Statutory Authority
Business LoanProof of Identity: Voter’s ID Card/ Passport/ Driving License/ PAN Card/ Signature identification from present bankers of proprietor, partner of director (if a company)

Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/ Voter’s ID Card of Proprietor, partner of Director
(if a company)

I.T.R., 2 Years, Balance Sheet and Profit & Loss Account
Proof of ownership of Residential or Commercial Property (including Parental Property) in select locations
Latest 6 months Bank statement of Business
Gold LoanFor Kotak customers: Latest address proof (only if the address of the customer has changed)
For non-Kotak customers: Identity Proof, Address Proof, Signature Proof (KYC Documents) and 3 passport size photographs
Education Loan Application Form
2 photographs
Proof of Identity - Passport/ PAN Card/ Voters ID card/ Driving License etc.
Residence Proof - Passport/ Driving License/ Voter ID/ Ration Card/ Telephone Bill
Signature verification from bank
Income Details of Co- Applicant and Guarantor - Latest payslip or Form 16 or 2 years ITR
Proof of Ownership
Proof of Relationship
Confirmed admission letter
Letter from college
Academic Pass out Mark sheet/Certificate
Fixed DepositProof of Identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card
Proof of Residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement

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Home Loan Interest Rates December 2018
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