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Required CIBIL Score
700+
Applicants with credit score checks higher than the threshold are eligible for accelerated approval.
Minimum Income Requirement
₹25,000/mo
Net monthly income received via bank transfers. Cash salary deposits are generally not accepted.
Age Bracket Limits
23 - 60 Years
Applicant age limits at the time of loan setup maturity must lie within this window.
Lender Policy Matrix
Company Category CodeALL TYPES
Salary Slip / PF RequiredNo PF required
Max Obligation Limit (FOIR)70%
Employment Stability Threshold1 Year
Residential Stability Check1+ Year
Serviceable Pincodes CoveragePAN India (All Locations)
Check Your Eligibility For KOTAK
Use our instant credit-matching engine to verify if your salary, age, and location parameters satisfy KOTAK's underwriting algorithms.