Kotak Mahindra Bank Guwahati

Last Updated : March 18, 2017, 3:28 p.m.

About Kotak Mahindra Bank

With the vision to emerge as a most trusted Global Financial Services brand, Uday Kotak the Founder and Executive Vice Chairman of the Kotak Mahindra Finance Limited introduced Kotak Mahindra Bank under the group’s flagship. The aim of the Bank is to provide customers with the benefits of dealing with a global Indian Brand that best understands their needs and delivers customized pragmatic solutions across multiple platforms. The Bank plans to create an ethos of trust across all its constituents. Over the years of establishment, the bank has adhered to high standards of compliance and corporate governance. Through its dedicated services, it has gained the trust of thousands of customers. The bank has always catered the requirements of people by devising modern techniques and launching customized products to serve the individual’s banking requirement.
Kotak Mahindra Bank has a Pan India presence and has multiple branches in each city. Even in Guwahati, the bank has spread its roots and help the residents manage their finance. It serves the people through the network of branches. The address and contact details of the bank branches in Guwahati are provided below.

Address of Kotak Mahindra Bank Branches in Guwahati

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

Branch Name	Complete Address	IFSC Code	MICR Code	Contact Number
Ulubari	1st Floor, Prithvi Centre, Opposite KFC, Ulubari, G. S. Road, Guwahati - 781007, Assam	KKBK0000331	781485002	18602662666
G S Road	Ground Floor, Mayur Garden, G S Road, Guwahati, Guwahati - 781005, Assam	KKBK0009529	NON-MICR	18602662666

Products Offered by Kotak Mahindra Bank in Guwahati

Kotak Mahindra is one of India’s leading banking and financial services group, offering a wide range of financial services that encompass every sphere of life. It offers its valuable services in the city of Guwahati and offers a range of products that include home loan, personal loan, car loan, loan against property, business loan and fixed deposits.

Kotak Mahindra Bank Products Details

Product Name	Eligibility Criteria	Amount	Interest Rate	Processing Fee	Tenure
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 property	8.70% onwards	Nil	Up to 20 years
Car Loan	Eligible 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 norms	As 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 crores	10% p.a.	up to 1% of the loan amount	Maximum Up to 12 years
Business Loan	The 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 lacs	16% p.a. - 19.99% p.a.	Up to 2% of the loan amount	15 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 amount	Up 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 Deposit	An individual either solely or jointly A minor jointly with a major HUF Private Traders Professionals Partnerships Firms Companies Clubs Societies & Corporates	-	2.50% - 4.90%	-	7 days to 10 year

Documents Required

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

Product Name	Documents
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
Car Loan	Duly 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 Property	Application 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 Loan	Proof 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 Loan	For 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 Deposit	Proof 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