Product Overview
Product summary
Kotak Business Loan Term Loan from Kotak Mahindra Bank offers working capital facility and expansion funding available.
Supporting evidence
Verified from: Kotak.pdf
Data confidence
90% — High
Data completeness
90/100
Last updated
1 Aug 2026
Founder verified
Yes — Founder Certified
Source of information
Official PDF
Product confidence: High
Intelligence Assessment
Personal Fit · Negotiation · Before You Decide
Personal Fit
NOT ASSESSEDPersonal suitability not assessed yet
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Check Your Personal FitBefore You Decide
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Kotak Mahindra Bank
Kotak Business Loan · Term Loan
Business Loan
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Evidence & Verification
Verified From
Evidence Status
Verification Date
Last Updated
Founder Certified
Official Source
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RightBank Verdict
Kotak Business Loan Term Loan from Kotak Mahindra Bank offers working capital facility and expansion funding available.
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Check Your Personal FitProduct Quality Scorecard
11%–24% p.a. · floating
No CIBIL floor · Unsecured available · Needs ₹25.0L turnover · Needs 2yr vintage
₹1.0L – ₹75.0L
Working capital / OD
Tenure not specified
Verified by RightBank
Complete your profile for a personal Fit Scorecard across income, balance, usage, lifestyle, eligibility & goal.
Check Your Personal FitWhat You Get
Working capital
Working capital facility
Flexible end-use
Flexible business usage
What It Costs You
Charges
Before You Apply
Eligibility
Business vintage 2+ years, GST registered, annual turnover ₹25L+, CIBIL 650+
Business vintage
2 years
Turnover requirement
₹25,00,000 p.a.
Why This Product May Be Worth Considering
Flexible loan amount
Working capital facility
Certified interest rate
Insider Banker Tip
This product offers a working-capital overdraft — interest is charged only on the utilised amount. Confirm the drawdown terms with the bank.
If You Do Not Choose This
What to weigh before you decide — trade-offs and who this account may not suit.
Who should avoid
Businesses below the vintage requirement
Trade-offs
Business Stage
2 years
Cash Flow Suitability
Repayment Flexibility
Costs to consider
Interest rate
11% – 24% p.a.
Processing fee
1%-2%
Customers Usually Compare This With
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Final Decision Summary
Kotak Business Loan Term Loan from Kotak Mahindra Bank offers working capital facility and expansion funding available.
Derived from certified Product Truth — not generative AI.
Calculator
Indicative calculation for planning only. Actual figures depend on bank terms, your profile and prevailing rates.
Estimates are indicative. Final figures depend on bank terms and your profile.
Understanding the Terms
Processing Fee
One-time fee to process the loan (often a % of the loan amount).
Collateral
Asset pledged against the loan; unsecured loans need none but cost more.
Vintage
How long the business has been running — most banks want 2+ years.
GST / Turnover
GST registration and annual turnover prove business activity and size.
Working Capital
Short-term funding for day-to-day operations (stock, receivables, payroll).
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