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Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Go to Service Request > Debit Card Requests > Set International Usage option and you can set / remove this facility from your card for any chosen date.
You can transfer funds 24x7 and instantly through IMPS using IFSC and Account Number. You can also do NEFT / RTGS fund transfers. Requests received after the cut off timing will be executed in the NEFT / RTGS cycle of the next working day.
Yes. Select the Banking menu in the Kotak Mobile Banking App and then click on Add/Manage Beneficiary. Here you can add a new beneficiary, search for existing beneficiaries, edit details and activate/delete different transfer types. This feature is available only on Android.
Yes. The beneficiary details will remain the same in Kotak Mobile Banking and Net Banking. Once you add/edit/delete/activate beneficiaries from any one of the channel, the change will reflect on the other channel as well.
Yes, you can still use the "One Time Fund Transfer" feature to transfer funds without adding beneficiary. But, there is also an option to add beneficiaries from your previous "One Time Fund Transfer" transactions using the Add Beneficiary feature mentioned above.
You can transfer up to Rs. 50,000, immediately after adding a beneficiary. For transfers above Rs. 50,000, you can send after 24 hours as per details mentioned below:
You can transfer funds to someone who is not registered as a beneficiary from "One time transfer without adding beneficiary" section. Go to Transfer Money > One time transfer without adding beneficiary. You can also view and repeat the One Time payments done in the past using "View & Repeat Transfers" button.
Flight tickets and Hotel reservations booked from KayMall can be cancelled from the Kotak Mobile Banking App or from Goibibo Customer Care at 0124-6777003. Bus booking can be cancelled only by contacting Goibibo Customer Care at 080-30970807. You cannot access / cancel the booking through Goibibo's website.
For any query related to flight and hotel booking, cancellation or refund status, contact Goibibo contact centre at 0124-6777003 or mail us on [email protected].
Go to Service Request > Debit Card Requests > Set International Usage option and you can set / remove this facility from your card for any chosen date. If your card is not shown in the menu, it could be due to your card being permanently allowed or permanently blocked for International usage.
You can cancel orders or initiate refunds from Kotak KayMall. However, any queries regarding the same need to be addressed to Flipkart call centre 1800 208 9898.
You can connect to IndiaMags call centre on 022-2879 7635 or can email at [email protected].
Get your transaction alerts and other updates in the Mobile Banking App via push notifications. You can access all the notifications of past two days through the "Notifications" icon in My Kotak.
Go to Settings from the More menu of the app and Enable/Disable Push notifications.
If you have an iPhone/iPad, you can turn it OFF from the phone settings. Go to Settings > Notification Centre on your phone/tablet and Enable/Disable push notifications.
Please note that the Push Notifications are available only for the Primary CRN. This feature is currently available for Android, iOS and Windows devices.
USSD or Unstructured Supplementary Service Data means a real-time or instant session-based messaging service. National Unified USSD Platform (NUUP) is offered on a short code: *99#.
You can avail following features:
Hashtag Banking allows you to do a lot of things with a simple tweet. You can get an instant and secure update on your account balance, transaction history, cheque book request, Net Banking PIN request and many more account activities.
You can recharge your pre-paid mobile & DTH accounts using this service. You can also purchase a book from our exclusive collection.
Please follow the below steps:
Please follow the below steps:
It's easy, just tweet to @KotakBankLtd with the corresponding hashtag for your request and we (@kotaksync) will send a DM (Direct Message) to your twitter handle. Don't forget to follow @Kotaksync to enable this feature.
No, Twitter Handle registered for Hashtag Banking on the Hashtag Banking page will not be visible inside Jifi dashboard. He/She can however, link a new Twitter Handle to the same account.
Rest assured, no one can see your transaction details on Twitter. We send you the requested details via a DM (direct message) on your personal Twitter handle which is visible to you only.
Don't panic, please follow the below steps:
Rest assured, every tweet request you send will access your Kotak account details that are safely stored on a highly secured virtual location.
After getting the respective information, you will receive a DM (direct message) on your personal Twitter handle (and not the public domain) with the requested details. In case you have any concern, we are just a tweet, call or post away.
Response is sent from the @kotaksync handle which is automated, with no manual intervention.
You can avail this service by calling the toll-free number 1800 274 0220 from your registered mobile number. You will receive an SMS with your Account balance and last 3 credit transaction details of last 15 days.
Once you call 1800 274 0220 (toll-free), you will hear a message confirming acceptance of the request. You will receive an SMS with the combined available balance and last 3 credit transactions, for your Salary2Wealth Account linked with the CRN of the registered mobile number within few minutes.
This service can be availed by you only if you have registered your mobile number with the Bank and have at least one valid Salary2Wealth Account linked to your CRN. The mobile number should be registered for this same CRN.
Service is available only for Salary2Wealth Account linked to a particular CRN. If messages are long then it will be clubbed in 2-3 SMS. You can also avail this service if your mobile number is linked to multiple CRNs.
You will get an error message under the following scenarios:
The One View page provides an overview of all your banking accounts and credit cards maintained with/issued by Kotak Mahindra Bank Limited. It will show the top five expenses for the current month.
Following are the features:
Retail customers, who have banking or Credit Card relationship with Kotak Mahindra Bank, can use Money Manager. It is for you if you are just starting out on your financial journey. Or, maybe you've been on your financial journey for a while, and you're finally ready to pay more attention. We designed Money watch for all.
Money watch from Kotak Mahindra Bank supports the following browsers on the Microsoft Windows operating system
We certainly understand any concerns you may have about the security of your information in Money Manager from Kotak Mahindra Bank. Money Manager from Kotak Mahindra Bank is part of Kotak Mahindra Bank's Internet Banking facility and follows the same security features as the rest of the website to ensure security of your online transactions and confidentiality of your data.
We categorize transactions based on their payees. A payee is the description for a transaction. It could be:
The payees from your bank often have a lot of extra text at the end. Whenever possible, the system will suggest more categories for common payees.
Dashboard is a summary of all your accounts (banking accounts and credit cards) showing category wise expenses and budget performance as per selected account and time period. User will also be able to track his latest 30 transactions and expenses over a period of last three months. Income vs expense graph for a period of six months will also be shown to the user.
A user will be able to see his category wise transactions for the current month and latest 20 transactions across all CASA.
A user will be able to see his category wise transactions for the current month and latest 20 transactions across all Kotak credit cards.
You can track your petty cash using cash register. A transaction categorized as “cash withdrawal” will be automatically populated to the cash register. Also, a user can manually update your transactions and track the same.
This section helps you keep track of your Cash which you've withdrawn from the ATM. You can allocate multiple expenses against each cash withdrawal.
The Receive Section shows the cash that has been withdrawn and Expense section is where you've spent that cash. The Cash in Hand Section is the balance cash you have left.
For example: If you withdrew INR 1000 from an ATM out of which you used INR 500 to pay for Taxi Fare & INR 300 for food where you paid in Cash. Your Status will be
Kindly Note- You have to manually Update this section.
There are two ways of updating the Receive Section:
Similarly you have to update your expense section. Please mention the category of the expense.
User will have access to doughnut chart for the last three months (current month + last two months) which will represent the spent, excess and the set budget.
Go to budgets, click on configure budget. Users can set monthly budgets for each category.
To set a particular budget for all future month, a user has to set a budget for current month without modifying budget for future month for any of the categories.
Kotak MoneyWatch is an online money manager which provides a complete view of your financial status anytime, anywhere.
Kotak MoneyWatch offers a 360 degree view of your personal finance in an automated way and lets you monitor and manage your finances with very little manual intervention.
Not at all, you can choose anyone of the below 3 options:
You can always enter data manually, but we would not suggest that as our automated system is in place to do exactly that.
Following featurres are available:
Kotak MoneyWatch does not have any private information of the users on its servers - only a valid email ID is required for registration and usage of the application.
All users who register on Kotak MoneyWatch after 1st April 2013 will be offered 1 month Free Platinum Plan after which the subscription plan will be changed to Free forever.
With the "Message Money" feature, you can send money to your friend by just entering his mobile number. You don't have to register a beneficiary or know your friend's bank, account number or IFSC.
This feature is available on Kotak Mobile Banking App for Android phone and iPhone.
Below listed are the steps of how it works:
Yes. You can log in to Mobile Banking App and go to Banking > Message Money > Re-initiate / Cancel Transaction to cancel a transfer request.
Please note that only a request with a "Pending" status can be cancelled.
Beneficiary has to input the details for the Bank account where he wishes to receive the money. The beneficiary account can be with any Bank. Beneficiary will need to enter IFSC, Bank account details and submit the request.
A "Select Bank" option is provided to the beneficiary if he does not remember the IFSC.
The transfer request will be executed via fund transfer modes like NEFT / IMPS.
Funds will be debited from the remitters account as soon as beneficiary submits his account details on the URL & completes the transaction. The transfer request will be executed via NEFT / IMPS (Immediate Payment service).
Immediate Payment Service (IMPS) is an instant, 24X7 electronic funds transfer service.
MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued by participating banks to their customers for availing IMPS.
Fund Transfer using account number and IFSC: You can transfer funds to other bank accounts instantly. With this 24X7 facility, money can be transferred anytime, even on bank holidays.
Steps to add a beneficiary:
Steps to transfer money using account number and IFSC:
To transfer funds, first you need to add beneficiary.
Steps to transfer funds using mobile number and MMID:
Please note: Transfer of funds via IMPS can be done only between banks participating in IMPS.
Steps to transfer funds using mobile number and MMID:
Please note: Transfer of funds via IMPS can be done only between banks participating in IMPS.
You can send an SMS "K MMID B" to 9971056767 or 5676788 (Here B is the last four digits of the account number) from your preferred mobile number registered with us.
OTP stands for One Time Password generated by customer at the time of making payments at merchant websites via IMPS. It is a six digit number valid for a single transaction (success or failure) and will expire within an hour of generation.
OTP can be generated through following three channels.
Steps to be followed for OTP generation through Mobile Banking application
Steps to be followed for OTP generation through SMS Banking
OTP generation by calling Customer Contact Center
If you are using IMPS through Net Banking, you have to register the beneficiary details. Following steps are to be followed for registering a beneficiary:
Activation code will be sent to your preferred mobile number
Beneficiary registration feature is not available on Mobile Banking. However, one time IMPS fund transfer facility on Mobile Banking can be used without registering a beneficiary. All beneficiaries registered on Net Banking will also be available on Mobile Banking
Depending on the facility provided by the sender bank, you need to share your 10 digit preferred mobile number registered with Kotak Bank and the 7 digits MMID of your Kotak Bank account or your bank account number and IFSC.
The beneficiary details required to send money are mobile number and MMID or bank account number and IFSC code. Before funds are credited into the beneficiary's account the corresponding details are verified.
For any reason, if the IMPS transaction is not processed, the money would be credited back to the sender's account instantly. In case the fate of the transaction is not determined immediately, the reversal of funds will happen on the next working day.
In case your Kotak Bank account is debited and the beneficiary account is not credited, then please contact our 24x7 Customer Contact Centre at 1800 4100.
Following are the list of participating banks:
Banks live on IMPS funds transfer using mobile number and MMID:
http://www.npci.org.in/impsmerpayp2p.aspx
Banks live on IMPS funds transfer using account number and IFSC:
http://www.npci.org.in/impsIFSC3.aspx
Banks live on IMPS merchant payments:
http://www.npci.org.in/impsmerpay10.aspx
With the Mail Money service, you can send money to a beneficiary by just knowing his/her email ID and mobile number. You don't have to register beneficiaries. You don't need to know beneficiary's bank, account number, IFSC etc.
Log in to Net Banking --> Banking --> Transfers and Payments -->Mail Money. See below for further details:
Enter the beneficiary details like name, email ID, mobile number and payment amount. 2 OTPs will be generated and shared through SMS - one will be sent to you and the other to the beneficiary. The beneficiary will receive a mail from Kotak Mahindra Bank with the redemption link. Beneficiary needs to enter both the OTPs and then enter his/her account details to receive the amount.
Please refer the followings:
Beneficiary has to input the details for the bank account where he/she wishes to receive the money. The beneficiary account can be with any bank.
Funds will be debited from the remitters account as per the payment date requested by him.
Once you call 1800 270 7300 (toll-free), you will hear a message confirming acceptance of the request. You will receive an SMS with the combined and available balance for all accounts linked with your CRN for the registered mobile number shortly.
This service can be availed by you if you have registered your mobile number with the Bank and have at least one valid current or savings account linked to your CRN. The mobile number should be registered for this same CRN.
Service is available for a maximum of 7 accounts linked to a particular CRN. Messages in such cases will be clubbed in 2-4 SMS. You can also avail this service if your mobile number is linked to multiple CRNs.
You will get an error message under the following scenarios:
Each resident's DigiLocker account has the following sections:
DigiLocker is aimed at the concept of paperless governance. It offers the following benefits:
Kotak Mahindra Bank does not have access to customer's documents. We are only providing customers a single sign-on access to their DigiLocker account.
Below listed security features are implemented:
Please follow the below steps:
No. Customers just need to add Aadhaar details to their profile information. This will not impact your Aadhaar linked to any other account or any other Bank and services related to the same.
OTP is a random one-time password generated by the UIDAI system and sent to your registered mobile number and email-id. The OTP is valid for 30 mins only. If you enter the OTP after 30 mins, it will be rendered invalid and you will have to enter a fresh one.
For linking your DigiLocker account with Aadhaar, your mobile must be linked with your Aadhaar number. Please make sure this is actually the case.
For linking your mobile number with Aadhaar, you will have to visit your nearest Aadhaar enrolment center.
The OTP will come on the mobile number linked with your AADHAAR. While using DigiLocker, the OTP is sent instantaneously.
This may sometimes happen due to technical issues on our servers or with the UIDAI service. Most likely it's a temporary problem. Please try again after sometime.
The information displayed in your Aadhaar profile in your DigiLocker account (like name, address, email, mobile etc) is for display purposes.
This data is only fetched from UIDAI and it is not possible to make any changes to this data from DigiLocker. To make changes to your Aadhaar data, please visit your nearest Aadhaar enrolment center.
To find more about enrolment centers, visit https://uidai.gov.in/update-your-aadhaar-data.html
Issued documents are e-documents issued by various government agencies in electronic format directly from the original data source and the URI (link) of these documents is available in the issued documents section of DigiLocker.
There are two ways issued documents show up in DigiLocker:
In both cases, the URI (link) is available in issued documents section and this link directly fetches the document in real-time from the original data source.
Please refer the below information:
Issued Documents get pushed automatically (or pulled manually) into DigiLocker only if both of the following conditions are met (A) that issuer dept is integrated into DigiLocker as a registered issuer, and (B) the issuer has your digital document in its database. If either of these two conditions is not met, you will not see documents in your Issued Documents section. (N.B. DigiLocker is working with various government departments and agencies to digitize their records and integrate with it. This will happen progressively as time progresses. Our aim is to make available as many documents/certificates as possible).
On the other hand, you can anytime upload scanned versions of these documents (into the Uploaded Documents section) and eSign it. eSigning any document is similar to the process of self attestation. These uploaded or eSigned documents will not be verified by any Authority. They can be used in whichever way you want (and at your own risk/responsibility).
Please refer the below information:
Click the upload icon to start uploading a document. In the file upload dialog box, locate the file from your local drive and select 'open' to complete the uploading.
To assign a document type to your uploaded file, click 'select doc type'. This will show a pop up with a drop down selection of various document types. Choose the appropriate document type and click 'save'.
You can also edit the name of the file using the edit icon next to the filename.
A URI is a Uniform Resource Identifier generated by the issuer department, which is mandatory for every e-document of the DigiLocker system.
Can digitally sign an electronic document without having to obtain a physical digital signature dongle.
The signer is authenticated using Aadhaar eKYC services. You can use eSign service to digitally sign the self-uploaded documents in DigiLocker as a method of self attestation.
For more information on eSign, please visit the Controller of Certifying Authorities website at http://www.cca.gov.in/cca/?q=eSign.html
You can sign any document uploaded in your 'Uploaded Documents' section using eSign. DigiLocker currently allows pdf, jpeg and png files to be uploaded to your account. All eSigned files are available in the pdf format after signing.
Please refer the below information:
The OTP will be received on the mobile number linked with your AADHAAR. The OTP service is operated by UIDAI. Sometimes it takes a few minutes for the SMS to be received (depending on the load on UIDAI servers and your mobile operator's network traffic).Please wait for the OTP to be received. It is valid for 30 mins.
Digitally signed documents cannot be eSigned again in DigiLocker. This mean if you upload a DigiLocker issued (digitally signed) document, or any other external document which is already digitally signed, this cannot be eSigned.
Here are the steps to get eAadhaar in DigiLocker if you already have Aadhaar linked DigiLocker account:
The turnaround time for approval is between 24 to 48 working hours post submission of complete documents; however, the time taken may vary depending upon the nature of the loan, quantum of funding and location.
Yes, your application will be reviewed on the basis of your co-applicants credit worthiness. However, credit is at the sole discretion of Kotak Mahindra Bank Ltd.
You can intimate our Customer Contact Centre (1800 4100 (toll-free)), or walk into your designated branch and lodge a written request with a new document of proof of address.
We do have a Customer Contact Centre (1800 4100). This is open from 9.30 am to 5.30 pm every day from Monday to Saturday. You may address all your service requirements to the contact centre, apart from reporting any grievances. The contact centre would also help you with any further financing needs that you may require.
Following are the criteria:
The loan depends on the applicant's requirement. We offer finance up to 100% of the Construction Equipment can only be extended on special requirement.
To avail a Construction Equipment Loan, you will have to submit the following documents:
The turnaround time for approval is between 24 to 48 working hours post submission of complete documents; however, the time taken may vary depending upon the nature of the loan, quantum of funding and location.
Following are the criteria:
You can have the following as your co-applicants, depending upon your status:
Following are the criteria:
Yes, your application will be reviewed on the basis of your co-applicants credit worthiness. However, credit is at the sole discretion of Kotak Mahindra Bank Ltd.
We will encourage you to start a banking relationship with us, so that we will be able to offer a host of other value added services, which are complementary to the loan.
Following are the criteria:
You have two options after your contract gets over:
In case you avail of refinance, the endorsement in the RC book will continue. If you opt for termination, the termination papers including the RTO related papers will be released to you.
Statement of accounts will be sent to you annually at the end of each financial year. If you require statements in between, you could contact our Customer Contact Centre (1800 4100) or walk in to your designated branch and lodge a request.
A welcome kit will be issued to you containing details of your contract and other important details from the servicing point of view. The copy of the agreement would also be dispatched to you subsequently.
We do have a Customer Contact Centre (1800 4100). This is open from 9.30 am to 5.30 pm every day from Monday to Saturday. You may address all your service requirements to the contact centre, apart from reporting any grievances. The contact centre would also help you with any further financing needs that you may require.
We have an elaborate grievance redressal mechanism available. Details are available in the link below:
We do have a Customer Contact Centre (1800 4100). This is open from 9.30 am to 5.30 pm every day from Monday to Saturday. You may address all your service requirements to the contact centre, apart from reporting any grievances. The contact centre would also help you with any further financing needs that you may require.
The minimum amount required to open NRE savings account is Rs. 10,000/- or its equivalent in foreign currency. You would be required to maintain an Average Monthly Balance of Rs. 10,000/- only.
Funding into your NRE savings account can be done by following ways:-
Note:
Currency Declaration Form is required:
The rate of interest on your savings account is calculated on the daily closing balance maintained and payable on quarterly intervals on the last day of June, September, December and March respectively.
Yes, Global debit card issued to account holders in NRE savings account can be used in India as well as abroad for cash withdrawal at VISA ATM and POS at Merchant establishment.
RBI allows repatriation of balances held in NRO savings account up to one million USD or equivalent per financial year for bonafide purposes (For e.g. education, medical expenses, employment etc.) with documentation.
The minimum amount required to open NRO savings account is Rs. 10,000/- or its equivalent in foreign currency. You would be required to maintain an Average Monthly Balance of Rs. 10,000 only.
As per current guidelines, the principal amount in NRO savings account is exempt from taxes in India. However, the interest earned will be subject to a tax of 30% (plus applicable surcharge and cess).
Funding into your NRO savings account can be done by following ways:-
The rate of interest on your savings account is calculated on the daily closing balance maintained and payable on Quarterly intervals on last day of September and March respectively.
Yes, the funds held in your current account are fully and freely repatriable.
The minimum amount required to open NRE current account is Rs. 25,000/- or its equivalent in foreign currency. You would be required to maintain an Average Monthly Balance of Rs. 25,000/- only.
Funding into your NRE current account can be done by the following ways:-
Note:
Yes, Global debit card issued to account holders in NRE account can be used in India as well as abroad for cash withdrawal at VISA ATM and POS at Merchant establishment.
Please click here to know about fees and charges applicable to your NRE current account.
RBI allows repatriation of balances held in NRO current account up to one million USD or equivalent per financial year for bonafide purposes (For e.g. education, medical expenses, employment etc.) with documentation. However, Indian income earned in the current FY (like rent, dividend) can be repatriable as per the above criteria.
The minimum amount required to open NRE current account is Rs. 25,000/- or its equivalent in foreign currency. You would be required to maintain an Average Monthly Balance of Rs. 25,000/- only.
Yes, you can open NRO current account with Non Resident Indians / Person of Indian Origins / Resident Indian as a joint holder.
Funding into your NRO current account can be done by following ways:-
Note:
Please click here to know about fees and charges applicable to your NRO current account.
Funding into your FCNR (B) deposit can be done by following ways:-
Yes, Premature withdrawal of Retail Term Deposit is permissible. However, the interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit remained with the bank or at the contracted rate, whichever is lower. Further, the Bank will levy a penal charge from time to time for such premature withdrawals as prescribed below for term deposits booked/ renewed on or after 1st November, 2012.
Please the below link to know more on tenure and interest rate.
If you provide specific instructions during the opening of fixed deposit, it will be executed in accordance to that. However, in absence of any specific instruction, deposits will be renewed for the same period at the rates prevailing at the time of maturity.
Please click here to know more about the tenure and interest rate.
The Premature withdrawal of Retail Fixed Deposit is permissible. However, the interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit remained with the bank or at the contracted rate, whichever is lower. Further, the Bank will levy a penal charge from time to time for such premature withdrawals of Fixed Deposit.
If you provide specific instructions during the opening of Fixed Deposit, it will be executed in accordance to that. However, in absence of any specific instruction, deposits will be renewed for the same period at the rates prevailing at the time of maturity.
No, you will not get cheque book and access India debit card with your NRO Fixed Deposit. You shall get a fixed deposit advice on booking a NRO deposit.
RBI allows repatriation of balances held in NRO saving account up to one million USD or equivalent per financial year for bonafide purposes (For e.g. education, medical expenses, employment etc.) with documentation.
The Premature withdrawal of Retail Fixed Deposit is permissible. However, the interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit remained with the bank or at the contracted rate, whichever is lower. Further, the Bank will levy a penal charge from time to time for such premature withdrawals as prescribed below for Fixed Deposits booked/ renewed on or after 1st November, 2012.
| Tenure of Fixed Deposit | Penalty |
|---|---|
| Less than 181 days | Nil |
| 181 days and above | 0.50% |
Interest on Fixed Deposit will be compounded at quarterly rests in case of reinvestment deposits subject to keeping the deposits with the Bank for a minimum tenor of 181 days and above.
For Fixed Deposits with tenure below 181 days, interest will be calculated at maturity as Simple Interest.
If you provide specific instructions during the opening of Fixed Deposit, it will be executed in accordance to that. However, in absence of any specific instruction, deposits will be renewed for the same period at the rates prevailing at the time of maturity.
Following are the list of documents:-
The above forms need to be duly filled and signed by the respective term deposit holder.
RAP is a FCNR deposit of 1 year 1 day upto 5 years payable in Rs. at the time of maturity. The return is based on the earning of 1 year 1 day upto 5 years FCNR deposit interest along with the forward premium of respective foreign currencies over rupee prevailing at the time of booking.
Following are the list of documents:-
The above forms need to be duly filled and signed by the respective term deposit holder.
No, you will not get cheque book and access India debit card with your Max Yield NRO fixed deposit. You shall get a fixed deposit advice on booking a Max Yield NRO deposit.
RBI allows repatriation of balances held in Max Yield NRO saving account up to one million USD or equivalent per financial year for bonafide purposes (For e.g. education, medical expenses, employment etc.) with documentation.
As per current guidelines, the principal amount in Max Yield NRO deposit is exempt from taxes in India. However, the interest earned will be subject to a tax in the range of 10-15% (plus applicable surcharge and cess) as per the country of residence.
The Premature withdrawal of NRO Retail Fixed Deposit is permissible. However, for period of less than 15 days - no Interest payable; from 15 days to 180 days, subject to card rate at the time of booking deposits for the period for which it is held, will be payable. After 180 days, subject to card rate at the time of booking deposits for the period for which it is held, after deducting the penal charge of 0.5% on the rate which is applicable. For Fixed Deposits with tenure below 181 days, interest will be calculated at maturity as Simple Interest.
If you provide specific instructions during the opening of fixed deposit, it will be executed in accordance to that. However, in absence of any specific instruction, deposits will be renewed for the same period at the rates prevailing at the time of maturity.
To update your correspondence address*, please login to Net Banking Profile Section. Alternatively, you can also visit the nearest branch along with valid photo identify & address proof.You may click here to locate the nearest branch.
To update your email id*, please login to Net Banking Profile Section. Alternatively, you can also visit the nearest branch along with valid photo identity proof.You may click here to locate the nearest branch.
To update your mobile number*, please login to Net Banking Profile Section. Alternatively, you can also visit the nearest branch along with valid photo identity proof. You may click here to locate the nearest branch.
"To view or download a statement for a specific period, please follow the below steps: Net banking: Post login please select banking->service request->new service request->
statement request and mention the dates for which the statement is required.
Mobile banking: Post login please select banking->Statement Request->Custom->mention the dates for which the statement is required.
SMS banking: SMS requests to be sent from your registered mobile number to 9971056767 or 5676788.Please visit click here for SMS keyword."
Thank you for your interest in our offerings. We have various products to serve your specific needs. To open an account please visit http://www.kotak.com/personal-banking.html and select the appropriate product under the ‘APPLY NOW’ section
To update your mobile no*, please login to Net Banking Profile Section and update your mobile number instantly. Alternatively, you can also call at 1800 4100 and update your mobile number.
In order to know your outstanding, Please click here.
In order to view your current / last month statement, Please click here.
Thank you for your interest in our Credit Card offering. We have a selection of credit cards that you can choose from to meet your specific needs. Every credit card in our ensemble has special services and benefits to suit individual needs. To apply click here and select ‘Credit Card’ under the ‘APPLY NOW’ section
Processing of the credit card application from the date of receipt takes a minimum of 21 working days.
Thank you for your interest in our offerings. We have a selection of credit cards that suits the need of every individual. Every credit card in our ensemble has special services and benefits to suit individual needs. For more details, you can visit us at click here
1. You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number to the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request, after paying applicable charges of Rs.250 + Service Tax
5. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
6. Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received"
"1. Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. After logging in Click on the ""Installment Loans"" Tab and view your loan account"
"1. To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays
2. Please note charges would be applicable of Rs.500 + Service Tax to process this request
3. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
4. Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
"
Please click here to view the Loan Application Status
"1. If you have only a Retail Liability Relationship alongwith Retail Asset Loan then you would be requested to walk into your Retail Liability Home Branch to get the KYC details updated or you can also do the same by logging onto our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. If you have only a Retail Asset Loan, then you would need to walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from monday to friday between 10 a.m to 5 p.m & you will be given an Account modification form by our service officer
5. You would need to submit to the service officer this Account modification form alongwith a signed request letter, self attested valid address and signature Identity proofs of all borrowers and co-borrowers to the loan to get this request processed
6. Turn Around Time (TAT) for Change in KYC is 5 working Days after all documents are completely and correctly submitted
"
"1. Please Note that a swap of EMI Date is subject to Business approval 2. You would need to pay broken period Interest (if any) & penal charges(if applicable) and resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment.
3. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer
4.Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us
5. Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
"
"1. Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + Service Tax would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment
3. In case you are swapping to a SI mode the swap charges will not be applicable
4. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer
5. Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
"
"1. You can view/download your Statement of Account free of charge which will reflect your EMI clearance status, instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request
5. Turn Around Time (TAT) for EMI clearance status is 3 working Days "
1. You can view/download the S.I Form instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from monday to friday between 10 a.m to 5 p.m.
5. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer
6. Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted"
"1. You can call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request for Rebanking your NACH/S.I/PDC 2. Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any 3. Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days "
1. You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request.
5. If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer
6. Incase your email id is not registered you can place the request on the call with our customer care officer
7. Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days"
"1. You can call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request
2. If your email id is registered with the bank you will receive the Interest & Principal Statement on your email id the moment you speak with our customer care officer
3. Incase your email id is not registered you can place the request on the call with our customer care officer
4. Turn Around Time (TAT) for issuance of Interest & Principal Statement is 3 working Days"
1. You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number to the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request, after paying applicable charges of Rs.250 + Service Tax.
5. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
6. Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received"
"1. Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. After logging in Click on the ""Installment Loans"" Tab and view your loan account"
"1. To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays
2. Please note charges would be applicable of Rs.500 + Service Tax to process this request
3. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
4. Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
"
1. If you have only a Retail Liability Relationship alongwith Retail Asset Loan then you would be requested to walk into your Home Branch to get the KYC details updated or you can also do the same by logging onto our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. If you have only a Retail Asset Loan, then you would need to walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from monday to friday between 10 a.m to 5 p.m & you will be given an Account modification form by our service officer
5. You would need to submit to the service officer this Account modification form alongwith a signed request letter, self attested valid address and signature Identity proofs of all borrowers and co-borrowers to the loan to get this request processed
6. Turn Around Time (TAT) for Change in KYC is 5 working Days after all documents are completely and correctly submitted"
"1. Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + Service Tax would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment
3. In case you are swapping to a SI mode the swap charges will not be applicable
4. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer
5. Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
"
1. You can view/download the S.I Form instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from monday to friday between 10 a.m to 5 p.m.
5. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer
6. Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted"
1. You can view/download your Statement of Account free of charge which will reflect your EMI clearance status, instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request
5. Turn Around Time (TAT) for EMI clearance status is 3 working Days "
"1. You can call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request for Rebanking your NACH/S.I/PDC
2. Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any
3. Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days "
"1. You can view/download your Provisional Tax Certificate for the current year and Final Tax certificate for the previous year free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request
5. If your email id is registered with the bank you will receive the Provisional or Final Tax Certificate as requested, on your email id the moment you speak with our customer care officer
6. Incase your email id is not registered you can place the request on the call with our customer care officer
7. Turn Around Time (TAT) for issuance of Tax Certificate is 3 working Days"
1. You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number to the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request, after paying applicable charges of Rs.250 + Service Tax
5. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
6. Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received"
1. You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request
5. If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer
6. Incase your email id is not registered you can place the request on the call with our customer care officer
7. Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days"
"1. Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. After logging in Click on the ""Installment Loans"" Tab and view your loan account"
1. You can view your Loan Rate of Interest alongwith History instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and get these details by speaking with our customer care officer
"
"1. To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays
2. Please note charges would be applicable of Rs.500 + Service Tax to process this request
3. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
4. Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted"
Please click here to view the Loan Application Status
"1. If you have only a Retail Liability Relationship alongwith Retail Asset Loan then you would be requested to walk into your Home Branch to get the KYC details updated or you can also do the same by logging onto our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you have only a Retail Asset Loan, then you would need to walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from monday to friday between 10 a.m to 5 p.m & you will be given an Account modification form by our service officer
5. You would need to submit to the service officer this Account modification form alongwith a signed request letter, self attested valid address and signature Identity proofs of all borrowers and co-borrowers to the loan to get this request processed
6. Turn Around Time (TAT) for Change in KYC is 5 working Days after all documents are completely and correctly submitted"
"1. Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + Service Tax would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment
3. In case you are swapping to a SI mode the swap charges will not be applicable
4. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer
5. Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted"
"1. Please Note that a swap of EMI Date is subject to a credit appraisal, post which charges of Rs. 5000/- + broken period interest (if any) & penal charges(if applicable) Or 0.5% of the Loan Amount + broken period interest (if any) whichever is less would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment.
3. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer
4.Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us
5. Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
"
1. You can view/download your Statement of Account free of charge which will reflect your EMI clearance status, instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request
5. Turn Around Time (TAT) for EMI clearance status is 3 working Days "
1. You can view/download the S.I Form instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from monday to friday between 10 a.m to 5 p.m.
5. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer
6. Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted"
"1. You can call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request for Rebanking your NACH/S.I/PDC
2. Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any
3. Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days "
"1. You can call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request
2. If your email id is registered with the bank you will receive the Interest & Principal Statement on your email id the moment you speak with our customer care officer
3. Incase your email id is not registered you can place the request on the call with our customer care officer
4. Turn Around Time (TAT) for issuance of Interest & Principal Statement is 3 working Days"
1. You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number to the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request, after paying applicable charges of Rs.250 + Service Tax
5. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
6. Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received"
1. You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays to place a request
5. If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer
6. Incase your email id is not registered you can place the request on the call with our customer care officer
7. Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days"
1. Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. After logging in Click on the ""Installment Loans"" Tab and view your loan account"
1. You can view your Loan Rate of Interest alongwith History instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and get these details by speaking with our customer care officer "
"1. To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays
2. Please note charges would be applicable of Rs.500 + Service Tax to process this request
3. You can do a NEFT of the charges with the following details:-
a. Beneficary Name: <Customer Name>
b. Account Type : <Loan Account>
c. Account Number : <Loan Account Number>
d. Branch Name: <Kotak Mahindra Bank, Kalina Branch>
e. IFSC Code: <KKBK0000631>
f. Branch Code: <631>
4. Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted"
Please click here to view the Loan Application Status
1. If you have only a Retail Liability Relationship alongwith Retail Asset Loan then you would be requested to walk into your Home Branch to get the KYC details updated or you can also do the same by logging onto our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you have only a Retail Asset Loan, then you would need to walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from monday to friday between 10 a.m to 5 p.m & you will be given an Account modification form by our service officer
5. You would need to submit to the service officer this Account modification form alongwith a signed request letter, self attested valid address and signature Identity proofs of all borrowers and co-borrowers to the loan to get this request processed
6. Turn Around Time (TAT) for Change in KYC is 5 working Days after all documents are completely and correctly submitted"
"1. Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + Service Tax would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment
3. In case you are swapping to a SI mode the swap charges will not be applicable
4. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer
5. Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted"
You can view/download your Statement of Account free of charge which will reflect your EMI clearance status, instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. You can also call our Customer Contact Centre on 1800 4100 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Fri excluding holidays and place a request
5. Turn Around Time (TAT) for EMI clearance status is 3 working Days "
You can view/download the S.I Form instantly by logging on to our Net Banking click here
2. Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here
3. Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on ""9971056767 or 5676788"" and just mention ""CRN"". Your CRN will be sent to you instantly.
4. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch http://www.kotak.com/loans/HomeLoan.htm from monday to friday between 10 a.m to 5 p.m.
5. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer
6. Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted"
"1. Please Note that a swap of EMI Date is subject to a credit appraisal, post which charges of Rs. 5000/- + broken period interest (if any) & penal charges(if applicable) Or 0.5% of the Loan Amount + broken period interest (if any) whichever is less would be applicable to process this request, if approved
2. You would also need to resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment.
3. To get the same processed you can walk into your nearest Kotak Retail Asset Branch http://www.kotak.com/loans/PersonalLoan.htm from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer
4.Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us
5. Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted"
"1. We are keen to retain you & we value your relationship
2. Request you to contact your Working Capital Relationship Manager to discuss the same
3. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. Request you to contact your Working Capital Relationship Manager to get the Account Details 2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly "
"1. We are keen to retain you & we value your relationship
2. Request you to contact your Working Capital Relationship Manager to discuss the same
3. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. To retrieve your property documents, please contact your Working Capital Relationship Manager who will assist you with this request 2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. Please contact your Working Capital Relationship Manager who will assist you with this request 2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. We are keen to retain you & we value your relationship
2. Request you to contact your Working Capital Relationship Manager to discuss the same
3. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. Please contact your Working Capital Relationship Manager who will assist you with this request 2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. Please contact your Working Capital Relationship Manager who will assist you with this request 2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. We are keen to retain you & we value your relationship
2. Request you to contact your Working Capital Relationship Manager to discuss the same
3. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
"1. Please contact your Working Capital Relationship Manager who will assist you with this request
2. Incase you don’t have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly"
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit Card!
The Kotak Urbane Credit Card gives you accelerated reward points and the freedom to redeem these points across any shopping that you do.
With Urbane the cardholders earn 3 reward points for every Rs. 100 spent .Cardholders can redeem their reward points online at www.kotakcards.com/rewardredemption for a host of benefits like Movie tickets, Air tickets, Air miles, Cash and more .
Please call our Banking helpline numbers to check your Credit Card application status .Alternatively, you can log onto www.kotakcards.com and click on application status on the top right hand corner. Please keep your application reference number handy.
The Urbane Reward program allows you to earn 3 reward points on every Rs. 100 spent. You can earn reward points across all your retail spends.
Every 1000 reward points will continue to have a redeemable worth of Rs. 75.
Accumulate your reward points and redeem with host of redemption options like Air tickets, Mobile Recharge, 10,000 merchandise and much more through easyrewards with easy points.
No, there is no limit on the maximum number of points that you can redeem. You may choose to redeem all your reward earned on your Kotak Urbane Credit Card. If you haven't found the answer to what you were looking for, please send us your query
Please follow the below instructions:
If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit Card!
The Kotak Essentia Chip Card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.
Only Kotak Essentia Chip Card offers you a unique every time & everywhere advantage - 10% savings on Departmental & Grocery spends. We give you the freedom to choose your Departmental Store or Grocery Store and save with every transaction!
Essentia gives you 10 saving points for every Rs. 100 you spend on essentials at Departmental Store & Grocery Stores. And each point is worth Rs. 1 So for every Rs. 100 you spend, you save Rs. 10!
Minimum purchase: Rs. 1500
Maximum purchase: Rs. 4000
Maximum saving points for a month - 500 valued at Rs. 500
What's more, you earn 1 saving point for every Rs. 250 you spend on other categories. So you save with every swipe!
Saving Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options!
Besides this, enjoy Milestone feature where you will get 12 movie tickets every year.
The Joining fee for Kotak Essentia Chip Platinum Card is Rs. 1499
Joining Fees of Rs. 1499 is applicable in the 1st Year and charged one time at the beginning of the year .It is billed in the 1st statement generated after card set up in the 1st Year.
The Annual fee for Kotak Essentia Chip Platinum Card is Rs. 749
Annual fee of Rs. 749 is applicable from the 2nd Year onwards and charged at the beginning of the year.It is billed in the 13th statement generated after card set up in the 2nd Year and every 12 months thereafter.
Please refer the below information:
Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.5%) * 12/365 = 0.1118%
Please note that the per day interest rate in the above calculation is for illustration purpose only and the actual applicable rate shall be as prevailing and quoted in the schedule of charges.
The monthly saving points limit of 500 saving points for including both departmental and grocery transactions has been set up for the Primary & Add-on Cards combined. Hence, the Add-on Card holder will not get any separate saving points.
10 saving points are offered on transactions undertaken at only those merchants establishments which are classified under " Departmental Store & Grocery" Merchant Category Code(MCC) as defined by VISA.
Please follow the below steps:
If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the Card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this Card.
Kotak Credit Cards have understood what you need the most from your credit Card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit Card!
The Kotak Silk Inspire Platinum Credit Card has been exclusively designed for women to derive benefits on card spends. Your lifestyle requirements and the relevant benefits have been kept in mind so that you could derive the maximum out of it.
Kotak Silk Inspire Platinum Credit Card offers a unique feature on every purchase that you make and its credit card design is a work of art from Bharti Dayal, an exceptional painter from the heartland of Mithila.
Get up to 5X Reward points on every Rs. 100 that you spend on Apparel. And each reward is worth Re 1. So for every Rs. 100 that you spend on apparel, you save Rs. 5!*
*Minimum retail purchase in billing cycle = Rs. 7, 500 Maximum reward points in a month 500 valued at Rs. 500
What's more, you earn 1 reward point for every Rs. 200 you spend on other categories. So you save with every swipe!
Reward Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options!
Besides this, enjoy fuel surcharge waiver across all petrol pumps in India
Also enjoy Milestone feature where you will get 8 movie tickets or 2000 reward points every year.
USSD can be used in the following languages: English, Hindi, Gujarati, Marathi, Tamil, Telugu, Malyalam, Kannada, Bangla, Punjabi, Oriya, Urdu, Assamese.
Get up to 5X Reward points on every Rs. 100 that you spend on Apparel. And each reward is worth Re 1. So for every Rs. 100 that you spend on apparel, you save Rs. 5!*
*Minimum retail purchase in billing cycle = Rs. 7, 500 Maximum reward points in a month 500 valued at Rs. 500
What's more, you earn 1 reward point for every Rs. 200 you spend on other categories. So you save with every swipe!
Reward Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options!
Besides this, enjoy fuel surcharge waiver across all petrol pumps in India
Also enjoy Milestone feature where you will get 8 movie tickets or 2000 reward points every year.
Although there are ongoing efforts to modernise or eliminate the outdated documentation associated with the Pagdi system, it was legalised under the Maharashtra Rent Control Act of 1999 and has been in effect since 2000, adhering to the new regulations for the Pagdi system in Mumbai.
The Pagdi rent system is governed by a specific set of rules that apply to both the ownership rights of Pagdi system tenants and their relationship with the landlords. These rules include:
The Alpha Savings & Investment Programme is specially designed to make regular saving fun and easy. With this unique savings programme you can invest in Recurring Deposits, NPS, Fixed Deposits, Mutual Fund and much more all in one place.
In alpha savings account the following type of investments can be made as per minimum investment amount:
1) Systematic Investment Plan (SIP) in Mutual Funds - Rs. 2,000.
2) Recurring Deposit (RD) - Rs. 2,000.
3) Term Deposit (TD) - Value of Term Deposit is 10 times or more of the prescribed product Average Monthly Balance.
4) Savings Account Linked to Online Trading Account (Trinity) - Margin Amount of Rs. 10000 & Above
The criteria for Alpha savings & investment programme account opening is as follows:
1) Alpha Savings Programme is offered to customers above 18 years of age.
2) Applicable for Resident Indians only and can be offered to Privy and Wealth segment.
3) In case the customer is holding multiple Savings account with the Bank, he / she can apply for the Alpha programme in one account only and the customer will be eligible for all the features of the program through this account only as a primary holder.
4) Account linked with Kotak Alpha Savings Programme can be offered to Existing as well as NTB (New To Bank) customers.
5) Alpha Programme is offered only with Kotak Pro/Ace/Edge/Nova/Classic Savings Account variants
