Axis vs Kotak Business Loan, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Axis Bank and Kotak Mahindra Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
Axis vs Kotak — Business Loan Comparison
Key parameters compared side by side.
| Parameter | Axis | Kotak |
|---|---|---|
| Interest Rate (p.a.) | 11.25% – 15.75% | 11.5% – 16% |
| Processing Fee | 1.50% (min Rs 10,000) | 2.00% (min Rs 15,000) |
| Max Loan Amount | Rs 3 Cr | Rs 2 Cr |
| Max Tenure | 5 Years | 5 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1993 | 1985 |
| Headquarters | Mumbai | Mumbai |
Interest Rate (p.a.)
Axis
11.25% – 15.75%
Kotak
11.5% – 16%
Lower/better: Axis
Processing Fee
Axis
1.50% (min Rs 10,000)
Kotak
2.00% (min Rs 15,000)
Max Loan Amount
Axis
Rs 3 Cr
Kotak
Rs 2 Cr
Lower/better: Axis
Max Tenure
Axis
5 Years
Kotak
5 Years
Bank Type
Axis
Private Sector
Kotak
Private Sector
Founded
Axis
1993
Kotak
1985
Headquarters
Axis
Mumbai
Kotak
Mumbai
Rates as of April 2026. Subject to change based on RBI policy and bank revisions.
EMI Comparison
Estimated EMI for Rs 20 Lakh business loan for 5 years at each bank's lowest rate.
Axis
Kotak
Savings: Choosing Axis saves you approximately ₹250 per month, or ₹15,000 in total interest over the loan tenure.
Feature Comparison
Key features offered by Axis and Kotak for business loan.
| Feature | Axis | Kotak |
|---|---|---|
| Evolve business loan for SMEs | ||
| Online account linking | ||
| End-to-end digital journey | ||
| Doorstep service available | ||
| Pre-approved for Kotak CA holders | ||
| Flexible repayment tenure | ||
| No hidden charges | ||
| Online document upload |
Evolve business loan for SMEs
Online account linking
End-to-end digital journey
Doorstep service available
Pre-approved for Kotak CA holders
Flexible repayment tenure
No hidden charges
Online document upload
Which Is Better — Axis or Kotak?
It depends on your priorities. Here is a quick guide.
Choose Axis If...
- Lower starting interest rate (11.25% vs 11.5%)
- Higher max loan amount (Rs 3 Cr vs 2 Cr)
- Lower maximum rate (15.75% vs 16%)
Choose Kotak If...
- Trusted brand with strong business loan offerings
Still unsure? Contact Money Matrix Hub for a free personalised recommendation based on your income, credit score, and loan requirement.
Eligibility Comparison
General eligibility criteria for business loan at both banks.
Axis Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 15 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Kotak Eligibility
- Business vintage: 2+ years (ITR required)
- Min annual turnover: Rs 15 Lakh
- CIBIL score: 650+ preferred
- Valid GST registration
- Age: 21–65 years at loan maturity
Criteria may vary. Contact Money Matrix Hub for exact eligibility assessment.
Frequently Asked Questions
Common questions about Axis vs Kotak business loan.
Which bank has a lower business loan interest rate in 2026 — Axis or Kotak?
Axis currently offers a lower starting rate of 11.25% p.a. for business loan. However, the actual rate you receive depends on your credit score, income, and loan amount. Money Matrix Hub can help you get the best negotiated rate from both banks.
What is the maximum business loan amount I can get from Axis vs Kotak?
Axis offers a higher maximum loan amount of up to Rs 3 Cr. Axis offers up to Rs 3 Cr while Kotak offers up to Rs 2 Cr for business loan.
Which bank charges a lower processing fee for business loan — Axis or Kotak?
Axis charges a processing fee of 1.50% (min Rs 10,000), while Kotak charges 2.00% (min Rs 15,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose Axis or Kotak for business loan in 2026?
The best choice depends on your specific needs. Axis offers rates from 11.25%–15.75% with a max tenure of 5 years, while Kotak offers 11.5%–16% with 5 years tenure. Contact Money Matrix Hub for a personalised comparison based on your profile.
Can Money Matrix Hub help me apply for a business loan from both Axis and Kotak?
Yes. Money Matrix Hub is an authorised DSA partner for both Axis and Kotak. We can submit parallel applications at no extra cost and help you pick the best sanction offer. Our service is 100% free for borrowers.
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