Transaction Failure Fees

Kotak Savings POA Product

New account opening for this variant is only applicable under Private Banking

Basic Service Fees
Transaction Fees
Transaction Failure Fees
Other Fees

Basic Service Fees

Fee type	Details	Kotak POA Product
AMB (Average Monthly Balance)	NA	Nil
Non Maintenance Fee	Fee for non maintenance of minimum Monthly Average Balance	NA
Family Banking	NA	NA
DD / Cheque Book	DD	INR 4 / 1000 (Min INR 50, Max INR 10,000), for Senior citizen INR 3 / 1000
	FCY - DD / TT / Cheque Collection	NA
	/ Revalidation / Cancellation / FCY Cheque Deposited and Return
	Cheque Book Issuance Fee	NA
Other Debit Card Related fee	Replacement of Lost /Stolen Debit Card	NA
Other Debit Card Related fee	Image Debit Card Issuance fee	NA
Debit Card Annual Fee/ Issuance Fee	Pay Shop More Debit Card / Dream Different 811 Debit Card	NA
	Silk Debit Card	NA
	Visa Platinum / My World Debit Card	NA
	Kotak PVR Debit Card	NA
	EveryDay Debit Card	NA
	Visa Signature Pro Debit Card	NA
	Privy League Platinum Card	NA
	Privy League Signature Card	NA
	Privy league Business Card	NA
	Privy League Neon Debit Card	NA
	Privy League Platinum	NA
	(Erstwhile LED Debit Card)
	Privy League Black Debit card	NA
	Private Banking Infinite Debit Card	NA
	Goqii Wearable Payment	Issuance fee — INR 3499 &
	Goqii Wearable Payment	Annual fee — INR 259 from 2nd year onwards
	Default Card	NA

Transaction Fees

Fee type	Fee type	Kotak POA Product
Fund Transfers	NEFT / RTGS / Fund Transfer (Through Netbanking / Mobile Banking)	NA
	NEFT / RTGS - Applicable only if done in Branch	NA
	IMPS	NA
Cash Transactions Fee	Cash Transaction at Branch / CDM (Cash Dispensing Machine) (Deposit or withdrawal)	Nil upto 1 transaction or 10,000 / month whichever is earlier. Post these limits, charged at INR 5 / 1000 with minimum INR 150
Cash Transactions Fee	Monthly Third-Party Cash Transaction fee	Nil fee upto INR 25,000/- Post these limits, charged at INR 5 / 1000 (Minimum INR 150)
ATM Usage Fee	Kotak Bank‘s ATM - Cash Withdrawal / Non Financial Transactions Other Domestic ATMs - Cash Withdrawal / Non Financial Transactions ##	NA
	Transactions declined at merchant outlet / websites / ATMs, due to insufficient balance	NA
	Cash Withdrawal / Non-Financial Transactions at International ATMs	NA
	Cardless cash withdrawal (IMT)	NA
	Dynamic Currency Conversion (DCC)	NA
Dynamic Currency Conversion (DCC)		Mark-up fee of 1% plus GST will be applicable on your Kotak Bank Debit Card for: transactions done in Indian currency (INR) at international locations or transactions done in Indian currency (INR) with merchants located in India but registered in an international locations. DCC mark-up fee will be applicable on all ATM, POS/In-store or Online transactions
Branch Request	Duplicate Ad-hoc statement, Duplicate Passbook, TDS Certificate Through Branch or any other Record Retrieval, Stop Payment - Single / Ranpe of cheque through branch;DD Revalidation; PO / BC Revalidation / Cancellation (INR); Annual Combined 5latement-Physical; Monthly Physical Statement;	NIL
	DD Cancellation (INR)	NA
	Foreign Inward Remittance Certificate	NA
Other Fee	Temporary Over Draft	NA

Transaction Failure Fees

Fee type	Details	Kotak POA Product
Failure Fee	ECS / Cheque Issued & Returned (due to non availability of funds)	NA
	ECS Mandate Verification	Nil
	SI Failure	INR 100 / instance
	Cheque deposited and returned (INR)	NA
	Cheque Issued and Returned for Non-Financial Reason	NA

Other Fees

Fee type	Details	Kotak Upday Savings Account
Home Banking	Cash / Instrument - Pick Up / Delivery	NA
Complimentary Services	Passbook (in lieu of Account Statement) Current Year Balance and interest statement Signature Verification Cenificate Photo Attestation Address Confirmation, Balance & interest Statement, Regeneration of PIN of Net Banking / Phone Banking / Debit Card courier),	Nil
Complimentary Services	Account Closure, Cash / Instrument Pick up / Delivery / KYC Pick Up
Statements & Alerts	statements	Email Statement (Monthly): Nil Physical Statement (Quarterly): Nil
	SMS Alert Fee	* INR 0.15 per SMS
	Balances value added alerts (Daily / Weekly)	INR 0.50 per SMS (Daily/ Weekly)
Forex Card	Issuance Fee	NA
Forex Card	Reload Fee	NA
Foreign Exchange Services (FES) - Outward Remittances - Individual Fee	Telegraphic Transfer Fees (other than payment for imports)	NA
	Correspondent Bank Fees (Outward remittance wherein the foreign bank Fees are paid by remitter)	NA
	Issue of FCY DD's	NA
	Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account)	NA
GST on Foreign Currency Conversion Fee (FCY) ~	Value of purchase or sale of Foreign Currency	NA
	Up to INR 1,00,000	NA
	Above INR1,00,000/- to INR10,00,000/-	NA
	Above INR 10,00,000/-	NA

Explore Savings Account Fees & Charges across multiple products

Other Savings Account Fees & Charges for existing Kotak Bank customers (Please note these account variants are no longer available for new account opening)

Kotak Savings POA Product

Basic Service Fees

Transaction Fees

Transaction Failure Fees

Other Fees