Hi,
I had very bad experience with Kotak Mahindra collection team. If you are 100 percent sure that you never miss any emi, then you may go with the Kotak loan, if you miss any EMI then, you will get a continuous call and speak with arrogant words. and even they call at night and speak to you very improperly and this happened in my case as I missed one due. The Collection team is very terrible and heartless.