Pro Business Current Account – Faster Payments & Smarter Banking for Growing Businesses

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Business growth needs speed and reliability. Kotak Pro Business Current Account simplifies payments, collections and tracking – empowering you to seize opportunities faster, and scale your business with confidence.

Key Benefits

Flexible AQB Maintenance

Maintain ₹50,000 Average Quarterly Balance at an entity level

Same-day¹ POS settlements

Get quicker access to funds for better liquidity

Free QR for your business

Collect payments seamlessly and track in real time

Banking that keeps funds within reach

Unlock loan² eligibility up to ₹5 lakh³, sanctioned at the time of opening your Current Account

Connected Banking

Connect your Kotak Current Account to ERP platforms

Kotak Pro Business Current Account – Built to power your growth

Maintain ₹50,000 Average Quarterly Balance at entity level.
Bank anywhere, anytime — no home branch restriction, no extra cost.
Deposit cash up to 10X of the previous month’s AMB⁴, with no additional charges⁵ (up to a max. of ₹2.5 crore per month).
Get a free QR with your account for seamless collections and easy tracking.
Enjoy same-day¹ access to funds from your POS settlements.
Monitor POS and QR transactions in real time on the Kotak Bank App, with instant notifications.
Make multiple payments on the go via bulk upload on Kotak Cash Management Services — with or without adding beneficiaries, no setup charges⁶, no waiting.
Seamlessly pay taxes online using Kotak Debit Card⁷ - zero convenience fee.
Get an Unsecured Loan/Credit Line⁴ up to ₹5 lakh, sanctioned along with your Current Account opening, based on the average balance maintained as per your bank statement⁵.
Avail up to ₹5 crore loan² against POS/QR receivables for vendor payments.
Unlock smarter financial management - link your Kotak Current Account with third-party platforms⁸ into accounting and ERP systems.
Raise a service request on the Kotak Bank App and get a callback within 2 minutes.
Link your Kotak Current Account with ERP & Accounting tools. Explore now

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Terms and conditions apply.

¹Charges applicable.

²Credit at sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Credit limit of any type will be sanctioned as per the Credit policy of the bank.

³Applicable only for Individual and Sole Proprietors.

⁴Average Monthly Balance (AMB)

⁶Refer to the General Schedule of Features and Charges for the maximum limits on cash deposits and other services.

⁷Cash Management Services with 100 free RTGS and NEFT transactions per month.

⁸The issuance of a Debit Card will depend on the mode of operation of the Current Account.

⁹Kotak Mahindra Bank and any of its directors, employees and personnel shall not be liable for any loss or damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, and consequential, as also any loss of profit in any way arising from the use of the services offered by these third-party platforms. The recipient shall be solely and fully responsible / liable for any consequence arising as a result of availing the services and agrees not to hold the Bank liable for any loss or damage upon utilizing the services of any of these third-party platforms. The Bank shall not be responsible in any way for the advice given by these third-party platforms, its employees, representatives, agents and consultants.

Frequently Asked Questions

Are there any specific requirements for opening a Pro Business Current Account, such as minimum balance?

Yes, the minimum balance required to open a Pro Business Current Account is ₹50,000 (at entity level).

Are there specific documents needed to open a Pro Business Current Account?

Yes. To open a Pro Business Current Account, the key documents required include:

PAN Card in the company's name
Certificate of Incorporation
Updated Memorandum & Articles of Association
Board Resolution
Proof of Business Address
Identity & Address Proofs of Authorised Signatories such as Passport, Aadhaar Card, and PAN card

What if I don't have a PAN card? Can I still open a Pro Business Current Account?

No, a PAN card is mandatory. Without it, you cannot open a Current Account for a company as it is required for company identification during the account opening process, as mandated by banking regulations.

Do I need to provide original documents, or are copies acceptable for opening a Pro Business Current Account?

Kotak Mahindra Bank accepts photocopies of the required documents along with the application.

Are there any tax-related documents required when opening a Pro Business Current Account for a business or individual?

Yes. Tax-related documents required include certificates or registration documents issued by Sales Tax, Service Tax or Professional Tax authorities, and a complete Income Tax Return authenticated by the authorities, reflecting the firm's income – especially for Sole Proprietorships

What are the details of services and charges for Current Account?

Please refer the General Schedule of Features & Charges (GSFC) section to know the complete list of applicable fees and charges.

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Kotak Pro Business Current Account