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Revision in General Schedule of Fees and Charges w.e.f. 1st April ’26. For detailed information, click here.
(Please note account variant is no longer available for new account opening)
| Fee type | Details | Kotak Pro Savings Account |
|---|---|---|
| AMB (Average Monthly Balance) | NA | Average Monthly Balance (AMB) INR 20,000 |
| Non Maintenance Fee | Fee for non maintenance of minimum Monthly Average Balance | 6% of the shortfall in required AMB per month (Max upto INR 600/-) |
| Family Banking | NA | NA |
| DD / Cheque Book | DD | Nil upto INR 1 Lac; Post these limits: INR 4 / 1000 (Min INR 50, Max INR 10,000) For Senior citizen INR 3 / 1000 |
| Cheque Book Issuance Fee ^* | Free up to 25 Cheque leaves per year. Thereafter INR 3 / cheque leaf | |
| Other Debit Card Related fee | Replacement of Lost /Stolen Debit Card | NIL |
| Image Debit Card Issuance fee | INR 199 | |
| Debit Card Annual Fee/ Issuance Fee | Pay Shop More Debit Card | Nil |
| Debit Card Annual Fee/ Issuance Fee | Silk Debit Card | INR 259 p.a |
| Debit Card Annual Fee/ Issuance Fee | Visa Platinum / My World Debit Card | Nil for 1st year, thereafter INR 259 p.a |
| Debit Card Annual Fee/ Issuance Fee | Kotak PVR Debit Card | INR 499 p.a |
| Debit Card Annual Fee/ Issuance Fee | EveryDay Debit Card | INR 300 p.a |
| Debit Card Annual Fee/ Issuance Fee | Visa Signature Pro Debit Card | INR 750 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy League Platinum Card | INR 750 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy League Signature Card | INR 750 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy league Business Card | INR 750 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy League Neon Debit Card | INR 1500 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy League Platinum (Erstwhile LED Debit Card) |
INR 1500 p.a |
| Debit Card Annual Fee/ Issuance Fee | Privy League Black Debit card | INR 1500 p.a |
| Debit Card Annual Fee/ Issuance Fee | Private Banking Infinite Debit Card | INR 1500 p.a |
| Debit Card Annual Fee/ Issuance Fee | Goquii Wearable Payment | Issuance fee – INR 3499 & Annual fee – INR 259 from 2nd year onwards |
| Debit Card Issuance/Annual Fees | Business Platinum Card | INR 259 p.a |
| Debit Card Issuance/Annual Fees | Solitaire Debit Card | INR 1500 p.a |
| Debit Card Issuance/Annual Fees | Pro Business Debit Card | INR 259 p.a |
| Debit Card Issuance/Annual Fees | Privy Business Debit Card | INR 1500 p.a |
| Debit Card Issuance/Annual Fees | Privy+ Business Debit Card | INR 1500 p.a |
| Debit Card Annual Fee/ Issuance Fee | Default Card | Visa Platinum Debit Card |
| Fee type | Fee type | Kotak Pro Savings Account |
|---|---|---|
| Fund Transfers | NEFT / RTGS / Fund Transfer (Through Netbanking / Mobile Banking) | Nil |
| NEFT / RTGS - Applicable only if done in Branch | Nil | |
| IMPS | Nil | |
| Cash Transactions Fee | Cash Transaction at Branch / CDM (Cash Dispensing Machine) | Nil up to 3 transactions or INR 1 lakh / month whichever is earlier. Post these limits, charged at INR 5 / 1000 (Minimum INR 150) |
| (Deposit or withdrawal) | ||
| Monthly Third-Party Cash Transaction fee | Nil fee upto INR 25,000/- Post these limits, charged at INR 5 / 1000 (Minimum INR 150) |
|
| ECS Mandate | ECS Mandate Verification | Nil |
| ATM Usage Fee | Kotak ATMs - Cash Withdrawal / Non-Financial Transactions | 30 free transactions per month (Financial + Non-Financial on Kotak ATM + other Bank ATM), thereafter INR 23 per Financial txn and INR 10 per Non-Financial txn |
| Non-Kotak domestic ATMs - Cash Withdrawal / Non-Financial Transactions## | ||
| International ATMs - Cash Withdrawal / Non-Financial Transactions | INR 150 per cash withdrawal transaction & INR 25 per non-financial transaction | |
| Cardless cash withdrawal (IMT) | Nil Fee up to 1 transaction per month. Subsequent transactions - INR 10/- per transaction | |
| 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, Balance & Interest Statement, Duplicate Passbook, TDS Certificate Through Branch or any other Record Retrieval, Stop Payment - Single / Range of cheque thru branch; DD Revalidation; PO / BC Revalidation/ Cancellation (INR); Annual Combined Statement-Physical; Monthly Physical Statement; Regeneration of PIN of Net Banking / Phone Banking (sent through courier) | Nil |
| Other Fee | Temporary Over Draft | INR 500 |
| Account Closure Fee | Nil | |
| Fee type | Details | Kotak Pro Savings Account |
|---|---|---|
| Failure Fee | Declined Domestic ATM Transactions due to insufficient balance per transactions declined at merchant outlets/websites/ATMs, due to insufficient balance(w.e.f April 1,2019)<> | INR 25 Per transaction at Non Kotak ATM |
| FCY - DD / TT / Cheque Collection / Revalidation / Cancellation / FCY Cheque Deposited and Return | INR 500 Per instance | |
| Cheque Issued & Returned (due to non availability of funds) | INR 500 Per instance | |
| ECS/NACH Failure Fees | 1st -INR 500/instance 2nd- onwards- INR 550/ instance |
|
| SI Failure | INR 100 Per instance | |
| Cheque deposited and returned (INR) | INR 100 Per instance | |
| Cheque Issued & Returned for Non-Financial Reason | INR 50 Per instance |
| Fee type | Details | Kotak Pro Savings A/c |
|---|---|---|
| Home Banking | Cash / Instrument - Pick Up / Delivery | Nil |
| Complimentary Services | Passbook (in lieu of Account Statement) Current Year Balance and interest statement Signature Verification Certificate Photo Attestation Address Confirmation | Nil |
| 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 | INR 250 (exclusive of GST) |
| Reload Fee | INR 75 (exclusive of GST) | |
| Foreign Inward Remittance | Foreign Inward Remittance certificate (Branch Request) | Nil |
| Foreign Exchange Services (FES) - Outward Remittances - Individual Fee | Telegraphic Transfer Fees (other than payment for imports) | INR 1250 + Tax |
| Correspondent Bank Fees (Outward remittance wherein the foreign bank Fees are paid by remitter) | INR 1000 + Tax | |
| Issue of FCY DD's | INR 750 + Tax | |
| Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account) | 0.125 %; minimum INR 1,000 +Tax | |
| GST on Foreign Currency Conversion Fee (FCY) ~ | Value of purchase or sale of Foreign Currency | Value on which GST rate will be applicable |
| Up to INR 1,00,000 | 1% of the gross amount of currency exchanges or minimum of INR 250/- | |
| Above INR1,00,000/- to INR10,00,000/- | 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000 | |
| Above INR 10,00,000/- | INR 5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of INR 60,000/- |