Kotak vs Bandhan Business Loan, 2026.
Reviewed by Jay Patel· Last reviewed: stale
A ledger-columns read on Kotak Mahindra Bank and Bandhan Bank— rate, EMI, fee, fine print. Which one wins your file, not the pitch deck.
Kotak vs Bandhan — Business Loan Comparison
Key parameters compared side by side.
| Parameter | Kotak | Bandhan |
|---|---|---|
| Interest Rate (p.a.) | 11.5% – 16% | 12% – 16% |
| Processing Fee | 2.00% (min Rs 15,000) | 2.00% (min Rs 5,000) |
| Max Loan Amount | Rs 2 Cr | Rs 1 Cr |
| Max Tenure | 5 Years | 5 Years |
| Bank Type | Private Sector | Private Sector |
| Founded | 1985 | 2015 |
| Headquarters | Mumbai | Kolkata |
Interest Rate (p.a.)
Kotak
11.5% – 16%
Bandhan
12% – 16%
Lower/better: Kotak
Processing Fee
Kotak
2.00% (min Rs 15,000)
Bandhan
2.00% (min Rs 5,000)
Max Loan Amount
Kotak
Rs 2 Cr
Bandhan
Rs 1 Cr
Lower/better: Kotak
Max Tenure
Kotak
5 Years
Bandhan
5 Years
Bank Type
Kotak
Private Sector
Bandhan
Private Sector
Founded
Kotak
1985
Bandhan
2015
Headquarters
Kotak
Mumbai
Bandhan
Kolkata
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.
Kotak
Bandhan
Savings: Choosing Kotak saves you approximately ₹504 per month, or ₹30,240 in total interest over the loan tenure.
Feature Comparison
Key features offered by Kotak and Bandhan for business loan.
| Feature | Kotak | Bandhan |
|---|---|---|
| Pre-approved for Kotak CA holders | ||
| Flexible repayment tenure | ||
| No hidden charges | ||
| Online document upload | ||
| Micro & small enterprise focus | ||
| No collateral for small amounts | ||
| Quick disbursement | ||
| Doorstep banking |
Pre-approved for Kotak CA holders
Flexible repayment tenure
No hidden charges
Online document upload
Micro & small enterprise focus
No collateral for small amounts
Quick disbursement
Doorstep banking
Which Is Better — Kotak or Bandhan?
It depends on your priorities. Here is a quick guide.
Choose Kotak If...
- Lower starting interest rate (11.5% vs 12%)
- Higher max loan amount (Rs 2 Cr vs 1 Cr)
Choose Bandhan 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.
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.
Bandhan 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 Kotak vs Bandhan business loan.
Which bank has a lower business loan interest rate in 2026 — Kotak or Bandhan?
Kotak currently offers a lower starting rate of 11.5% 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 Kotak vs Bandhan?
Kotak offers a higher maximum loan amount of up to Rs 2 Cr. Kotak offers up to Rs 2 Cr while Bandhan offers up to Rs 1 Cr for business loan.
Which bank charges a lower processing fee for business loan — Kotak or Bandhan?
Kotak charges a processing fee of 2.00% (min Rs 15,000), while Bandhan charges 2.00% (min Rs 5,000). Processing fees are often negotiable, and Money Matrix Hub can help waive or reduce these charges.
Should I choose Kotak or Bandhan for business loan in 2026?
The best choice depends on your specific needs. Kotak offers rates from 11.5%–16% with a max tenure of 5 years, while Bandhan offers 12%–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 Kotak and Bandhan?
Yes. Money Matrix Hub is an authorised DSA partner for both Kotak and Bandhan. 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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