Kotak Mahindra Bank Bengaluru

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About Kotak Mahindra Bank

Looking for the bank that can help you reach your financial goals and assist you in wealth management? Kotak Mahindra Bank is the right choice. It is a private sector bank that is into the line of banking since the year 2003. The Reserve Bank of India gave the licence to Kotak Mahindra Finance Ltd., the group’s flagship company to carry the banking business. The head office of the bank is located in Mumbai city. The bank offers a wide range of banking products and financial services to both corporate and retail customers. It deals out its products and services through a variety of delivery channels and specialized subsidiaries in the areas of personal finance, investment banking, life insurance, and wealth management. It has a network of 1,336 branches and 2,044 ATMs spread across 702 locations in the country. The customer can take the advantages of the banking products from the nearest branch or can benefit of online banking. With its customer friendly services and fair code of conduct the bank gained the trust of many citizens. Within the short span of time the bank has earned a great position in the Indian banking and financial industry. It is amongst the top three largest private bank in the country by market capitalization.

Address of Kotak Mahindra Bank Branches in Bengaluru

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

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Bangalore - ITPL

I.T. Park, Unit - G 40 & 41 Lower Gr. Flr - Retail Mall Area Extn. Sadarnagala/ Pattandur Agrahara Whitefield Road Bangalore - 560 066KKBK0000418560485003(080) 66162800
Bangalore - Jayanagar

Kotak Mahindra Bank Ltd. Heera Paradise 487 9th Main Rd , 4th Block Jaynagar , Bangalore - 560 011KKBK0000421560485005(080) 66371709
Bangalore - Lavelle Road

Kotak Mahindra Bank Ltd. 10/7 , Umiya Landmark Lavelle Road Next To Chancery Hotel Bangalore Karnataka - 560 001KKBK0000422560485002(080) 66123259
Bangalore - Rajajinagar (ec)

543, 2nd Floor, Sthanikams Arcade, Dr. Rajkumar Road, Opp St. Theresa Hospital, RajajinagarKKBK0000423560485013(080) 56628000
Bangalore - Koramangala

The Pinnacle, Ground Floor, No 8 5th Block Koramangala Bangalore Karnataka 560 076KKBK0000424560485004(080) 66330200
Bangalore - Majestic

Kotak Mahindra Bank Ltd.No.1, Gokul Majestic, Srinivasa Mandiram Road, Majestic (next To Majestic Theatre), Bangalore, Karnataka -560 009KKBK0000426560485008(080) 41329757
Bangalore - Banasankari

Kotak Mahindra Bank Ltd., Shop No 58 & 59 Sree Bhavani Housing Co T Block Banashankari Kathriguppe Bangalore - 560085KKBK0000427560485007(080) 66957908
Hunsimaranahalli - North Bangalore

Kotak Mahindra Bank Ltd. Ground Floor, 42 - 29 - 19, 43 - 30 - 190, 44 - 31 - 22, North Bangalore, Hunsimaranahalli, Bangalore Rural District, Karnataka - 562 157KKBK0000428560485010(080) 64568580
Thippasandra - Aaradhana Arcade

Kotak Mahindra Bank Ltd 1st Floor , Aaradhana Arcade , No 1961 New Thippasandra Main Road Hal 3rd Stage , Bangalore Thippasandra - 560 075 KarnatakaKKBK0000429560485009(080) - 64568575
Bangalore - Jakkasandra

Kotak Mahindra Bank Limited., Ground Floor, Sarjapura Main Road, Koramangala 1st Block, Jakkasandra, Bangalore - 560 034KKBK0000430560485011080-64556916
Bidadi - Kumbaswar Complex

Kotak Mahindra Bank Ltd, Shop No 352/A Ground Floor, Kumbaswar Complex, Bidadi Main Road, Bidadi - 562109, Karnataka, IndiaKKBK0000445560485006(080) 27288173
Kammanahalli Main Road

Kotak Mahindra Bank Ltd, Ground Floor Shri Kadri Laxmi Narasimha Swami, (S.K.L.N.S) Complex, No. 4m - 411, Pid No.89 - 397 - 4M - 411, 4th Main Road, Hennur Road Banaswadi Road Extension, 3rd Block, Kammanahalli Main Road, Ward No. 89, Bangalore - 560064KKBK00004325604850141800226022
J P Nagar

Kotak Mahindra Bank Ltd, Ground Floor, Santosh Tower, Municipal Corporation No. 27, And 28, 15th Cross Road, 100 Ft Road, J P Nagar, 4th Phase, Ward No. 57, Bangalore - 560078KKBK00004335604850151800226022
Bangalore - Indira Nagar

Kotak Mahindra Bank Ltd. Ground Floor, 837/1, Binnamangla, 1st Stage, Indira Nagar, 100 Ft Road, Bangalore, Karnataka - 560 038KKBK0000431560485012(080) 65396057/63
Mount Road185, Anna Salai , Near Tvs, Mount Road, Chennai - 600006, Tamil NaduKKBK0008485NON-MICR
18602662666
Perungudi14, Old Mahabalipuram Road, Kandanchavadi, Perungudi, Chennai - 600096, Tamil NaduKKBK0008780NON-MICR
18602662666

Products Offered by Kotak Mahindra Bank in Bengaluru

In Bengaluru, Kotak Mahindra bank provides a plethora of banking products and services according to the requirement of the customers. It provides all kinds of banking products that are required by the client to solve the financial problem. The wide range of products offered by the bank includes loans, insurances, investments and deposits. Under the category of loan, the bank provides multiple products and they are home loan, personal loan, car loan, loan against property, business loan and etc. It even takes care of investment needs of the individual and accepts the deposits. The customer can choose any of the product as per the need. The details of all the products proffered by the bank are given in the table 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 property8.65% - 8.75%
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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