Kotak Mahindra Bank Guwahati

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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 CodeMICR Code Contact Number
Ulubari
1st Floor, Prithvi Centre, Opposite KFC, Ulubari, G. S. Road, Guwahati - 781007, Assam KKBK000033178148500218602662666
G S Road Ground Floor, Mayur Garden, G S Road, Guwahati, Guwahati - 781005, AssamKKBK0009529NON-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 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%
Nil Up to 20 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% - 7.10%
-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
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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