The document discusses factors that affect the interest rate on personal loans from Kotak Mahindra Bank. It states that the bank assesses each applicant's repayment capacity and risk level to determine the interest charged. Lower risk applicants like existing customers with a good relationship, higher credit scores, stable employment, and higher incomes tend to qualify for lower interest rates. The document also outlines eligibility criteria, required documents, fees and charges associated with Kotak Mahindra Bank personal loans.