Back to Working Capital Limits
Apply Now
Kotak Mahindra Bank
Kotak Mahindra Bank is a private bank offering working capital loan with competitive terms for eligible applicants.
Interest Rate
10.00% - 15.00%
Processing Fee
Up to 1.50% of sanctioned limit
Max Loan Amount
Up to ₹10 Crores
Max Tenure
Renewable annually (typically 12-month facility)
Key Benefits
Features
- Overdraft / cash credit facility
- Interest charged only on utilized amount
Special Offers
- Reduced margin requirement for existing account holders
Pros & Cons
Advantages
- Fast digital application and approval
- Strong customer service and app experience
Considerations
- Rates can be higher than PSU banks for lower credit scores
Eligibility
- Minimum 2 years business vintage
- GST registration required
- Positive operating cash flow
Documents Required
- GST returns
- Bank statements (12 months)
- Stock/receivables statement
- ITR (2 years)
Frequently Asked Questions
Important Disclaimer
- All information provided is for reference purposes only and subject to change.
- Interest rates and fees are indicative and may vary based on your profile and market conditions.
- Loan approval is subject to the bank's terms and conditions and credit assessment.
- Processing-fee cashback, where applicable, is credited only after loan disbursal and unlocks upon EMI completion — it is not available for guest applications.
- Please verify all details with the bank before making any financial decisions.
Ready to apply with Kotak Mahindra Bank?
Get your processing fee back as cashback after disbursal.
Apply Now