Kotak Personal Loan Processing Fees and Charges Personal Loan of their loan applicants for setting their personal loan interest rates. While the bank has not disclosed the differential interest rates for its personal loan applicants based on credit-score, occupation, income or other parameters, lenders usually consider monthly income, job profile, employer’s profile, credit score, etc. Kotak Bank Personal Loan interest rates start from 10.99% p.a. *Applicable for selected customers Kotak Mahindra Bank Personal Loan Interest Rates Lowest Income requirement 100% Digital Process*