To avail a personal loan in Pune with a low-interest rate, consider Kotak Mahindra Bank, known for competitive rates and flexible terms. Start by checking your eligibility criteria on their official website or by visiting a branch. Prepare necessary documents such as ID proof, address proof, income statements, and employment details. Ensure a good credit score to negotiate better rates. Compare Kotak Mahindra Bank's offerings with other lenders to secure the best deal. Lastly, maintain transparency in your financial history and be prepared for a quick processing time once you meet all requirements. Good luck!