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For this, you can visit the nearest store where Kotak Smart EMI has a tie up. Click here to find the store near you.
You can view your EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:
For more details you can visit the nearest store click here for list of stores.
The NOC letter will be sent to your registered email ID within 7 working days after the completion of the loan. In case you have not received the NOC, please write to us at [email protected] or call us at 1800 4100 (toll-free) between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays.
Your CIBIL score is your credit score. It reflects how well or how poorly you have dealt with loans or credit cards in the past. It is also known as ‘CIBIL TransUnion Score’. The higher your CIBIL score, the better your chances of getting a loan approved from the bank. A higher CIBIL score increases your chances of a loan approval from the lender or a bank.
To make early repayments or foreclose, please write to us at [email protected] or call us at 1800 4100 (toll-free) between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays.
EMI is payable on the due date of every month (as per the schedule shared in the loan sanction letter). If your payment is not deducted from your bank than you will receive text message for the same and the payment can be made at your nearest Kotak Mahindra Bank Ltd branch or through online payment (IFSC Code: KKBK0000631, Account Number: CFB (Consumer Finance Business) Loan Number).
To cancel the loan, please write to us at [email protected] or call us at 1800 4100 (toll-free) between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays.
You can make your overdue payments at any Kotak Mahindra Bank branch or through online payment (IFSC Code: KKBK0000631, Account Number: CFB (Consumer Finance Business) Loan Number).
In case you need to change your EMI repayment account, please write to us at [email protected] or call us at 1800 4100 (toll-free) between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays.
In case you need to make changes to your banking details, please write to us at [email protected] or call us at 1800 4100 (toll-free)between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays.
Please send your statement details to [email protected] We will process your request after checking your payment details. OR call us on 1800 4100 (toll-free) between 09.00 am to 8.00 pm from Monday to Saturday, excluding holidays.
Please send a mail to [email protected] OR call on 1800 4100 (toll-free) between 09.00 AM to 8.00 PM from Monday to Saturday, excluding holidays.
You can view your total EMI status through Kotak Mahindra Bank’s Net-banking. Please follow these steps:
After 48 hours of the payment, please write to us at [email protected] or call us at 1800 4100 (toll-free) between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays, to adjust the ‘EMI for next due’ or for a “refund into your repayment account.”
You can buy a wide variety of consumer goods under Kotak Mahindra Bank’s Smart EMI. For example: air conditioners, televisions, Refrigerators, washing machines, microwaves, cameras, laptops, mobiles, tablets, kitchen appliances, and audio devices.
Debit Card EMI is the program offering EMI schemes to Kotak Bank customers who shop with their Debit Cards. Bank provides pre-approved limits to customers based on their relationship with the Bank and based on the Bank’s credit policies. Customers who enjoy pre-approved limit from the Bank can avail No Cost EMI and regular EMI by transacting with their Kotak bank Debit Card at selected stores.
The program is available across 27,000 merchant outlets / stores including all major retail chains like Vijay Sales, Croma, Reliance Digital, Sargam Electronics, Sathya Agencies, Vasanth & Co., Tirupati Electronics, Bajaj Electronics and many more. You can shop for your favourite home appliances, electronics, mobile phones, laptops, etc. using the DC EMI program. Click here for the list of stores where you can avail DC EMI using your Kotak Debit Card.
The sanction letter is sent to your registered Email ID available with the bank in which you can check your EMI details and to know current status, you can call on 1800 4100(toll-free) between 09.00 am to 8.00 pm from Monday to Saturday, excluding holidays or write an email to [email protected].
To foreclose the loan, please write to us at [email protected] or call us at 1800 4100 (toll-free)between 09:00 AM and 08:00 PM from Monday to Saturday, excluding bank holidays. The bank may charge early loan closure fees.
If a concerned dealer replaces a defective product, your loan booked with Kotak Bank still continues with the original scheme under which it was booked. Hence, if the loan is originally booked under No Cost EMI scheme, the same would continue upon replacement also.
First EMI will be deducted as per the schedule shared in the loan sanction letter from your account linked to the debit Card used for doing the DCEMI transaction. Currently there is no option available to change the EMI due date. Payment due dates are as per the schedule shared in your loan sanction letter.
Your bank account will be debited for only Re.1/- for authorization. The loan amount, however, will be charged from the pre-approved limit assigned to you by Kotak Bank. You need to pay monthly installments to Kotak Bank as per the EMI tenure selected by you.
You will need to make the complete payment of ₹ 20,000 using DC EMI option. Partial down payment is not permitted in DCEMI.
No cost EMI is available on select product / brands / merchant outlets / stores. To check if your product / store offers No cost EMI, please inquire at the payment counter or with the Kotak Bank representatives stationed at the stores for available EMI schemes.
All schemes with Kotak DC EMI are not No Cost EMI schemes. No Cost EMI schemes are applicable on selected products / brands / stores. However, you can also choose to purchase the product of your choice under normal EMI schemes where interest will be levied on the EMI. You can check the scheme details at the respective stores either from the store representatives or from the Kotak representative present at the stores.
General Framework for operating DCEMI
The following terms and conditions apply to no cost equated monthly installment ("EMI") transactions made using a debit Card issued by Kotak Bank providing an EMI facility to its debit Card holders and using EMI facility as a payment option ("No Cost EMI").
You can check your eligible limit by sending “CDL<space><Your PAN Number>” to 5676788 from your mobile number registered with the Bank. You can also send DCEMI<space><Last 4 digits of Kotak Debit Card Number> to 5676788 from your mobile number registered with the bank.
No, all schemes with Kotak Smart EMI Card are not No Cost EMI schemes. No Cost EMI schemes are applicable on selected products / brands / stores. However, you can also choose to purchase the product of your choice under normal EMI schemes where interest will be levied on the EMI. You can check the scheme details at the respective stores either from the store representatives or from the Kotak representative present at the stores.
No, the Smart EMI Card can be used only for purchase on EMI with our partner merchants. Click here to see our partner merchant list pan India. The Smart EMI Card does not allow withdrawal of cash from any ATM.
For any Smart Card related queries/issues/suggestion/lost Card reporting/replacement/renewal etc., please contact our call center 1800 4100 (toll-free) between 09.00 am to 8.00 pm from Monday to Saturday, excluding holidays. You may also write to [email protected].
SMS CDL<space><Your PAN Number> OR DCEMI<space><Last 4 digits of Kotak Debit Card Number> to 5676788 to know your pre-approved limit
CALL US:
Call 1800 4100 (Local call rates apply) between 10:00 AM to 7:00 PM from Monday to Saturday (excluding holidays).
WRITE TO US:
Be it an enquiry, feedback or a simple suggestion, write to us on [email protected]
