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

Kotak Pro Business Current Account

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What is a Kotak Pro Business Current Account?

Kotak Pro Business Current Account is designed for businesses which need speed and reliability to manage collections, payments, and cash transactions. It brings QR and POS collections, bulk payments, and digital tools into one account. Additionally, businesses can simplify payment tracking and reconciliation by connecting the account with ERP and accounting platforms.

Key Benefits of Kotak Pro Business Current Account

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 75 lakh³, sanctioned at the time of opening your Current Account.

Connected Banking

Connect your Kotak Current Account to ERP platforms.

Who Should Consider the Pro Business Current Account?

This account is suitable for:

Retail Business Owners: Accept payment via POS & QR and get same-day settlements.
E-commerce Sellers: Accept multi-channel payments, integrate with your platform.
Manufacturing SMEs: Manage bulk payments and streamline cash management.
Professional Services: Simplified invoicing and automated collections

Kotak Pro Business Current Account Features

Key highlights

Maintain a ₹50,000 Average Quarterly Balance at the 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).
Raise a service request on the Kotak Bank App and get a callback within 2 minutes.

Payment & Collection Tools

Get a free QR code 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 using a Kotak Debit Card.

Credit & Financing

Get an unsecured loan/credit line⁴ up to ₹, 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.

Digital Integration

Unlock smarter financial management - link your Kotak Current Account with third-party platforms⁸ into accounting and ERP systems. to know more.

Solutions That Move Your Business Ahead

Point of Sale (POS)

Connected Banking

Business Loan

API Banking

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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 sourcing loan assets. Credit limit of any type will be sanctioned as per the Credit policy of the bank.

³Applicable only to Individuals and Sole Proprietors.

⁴Average Monthly Balance (AMB)

⁵ Refer to the General Schedule of Features and Charges for the maximum limits on cash deposits and other services.

⁶Cash Management Services with 100 free RTGS and NEFT transactions per month.

⁷The issuance of a Debit Card will depend on the mode of operation of the Current Account.

⁸Kotak 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 utilising 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.

How to Open a Kotak Pro Business Current Account

Opening a Kotak Pro Business Current Account is a hybrid process. Follow these steps to apply.

Submit a Request: Click on the ‘Apply Now’ button above and fill in your basic details to receive a call back from Kotak Bank.
Callback: A Kotak Bank executive will connect with you to verify your business details and discuss your requirements.
Document In-Person Verification: The Kotak Bank official will visit your business address to collect photocopies of your documents and cross-verify.
Initial Funding: Provide initial funding of ₹50,000, usually collected through a cheque from your existing account.
Account Activation: Once the team verifies the documents, your account will be activated, and a welcome kit will be sent to you.

Frequently Asked Questions

Is Kotak Pro Business the right current account for my business?

The Kotak Pro Business Account might be suitable for you if you can maintain ₹50,000 AQB (average quarterly balance), want dependable payment management, require higher cash deposit limits, use ERP and accounting platforms, need business credit and bulk payments. Additionally, you can compare other Kotak Bank Current Accounts here.

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).

How Does the Average Quarterly Balance Work?

Average Quarterly Balance is calculated by adding up all the closing balances for all the days in a quarter, divided by the number of days in the quarter.

What does balance maintenance at entity level mean?

Entity level means AQB requirement across all the accounts in Kotak Bank for the same business entity.

What happens if I do not maintain the required AQB?

The bank will levy non-maintenance charges if you don’t maintain the AQB.

Can I deposit cash at any Kotak branch?

Yes, Kotak Bank’s Pro Business Current Account comes with the ‘Banking Anywhere’ facility.

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