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Solitaire GSFC
Solitaire Business GSFC

General Schedule of Features & Charges (GSFC) - For Retail Saving and Corporate Salary Accounts (w.e.f. 1st April, 2026)

Particulars	Kotak Solitaire	Charges
Non-maintenance		NA
Fund Transfers	NEFT1/RTGS/Fund Transfer (Through Netbanking/Mobile Banking/Branch)	Nil
Fund Transfers	IMPS	Nil
Cash Transactions	Cash transaction—deposit or withdrawal at Branch/Cash Deposit Machine (CDM).	Free up to 5 free transactions or ₹15 lakh per month—whichever occurs first. Beyond the free limit, ₹5 per ₹1000 is charged, with minimum fees of ₹150.
	Third‑Party Cash Transaction Charging. Effective - 1st April, 2026 (independent of existing cash txn charges)	Up to ₹25,000/month – Free Above ₹25,000 – ₹5 per ₹1,000 with minimum fees of ₹150
	Repricing When RV Not Met (Effective 1st April, 2026)	Free up to 3 transactions or ₹1 lakh per month—whichever occurs first. If RV not met, fee of ₹5 per ₹1000 is charged, with minimum fees of ₹150.
Debit Card	Debit Card Charges	NIL for Solitaire program customers, ₹1500 for downgraded customers
	Debit Card anniversary charges	NIL for Solitaire program customers, ₹1500 for downgraded customers
	Kotak Bank ATM—Cash withdrawal/ Non-financial transactions2	No charges up to 30 transactions; Thereafter, ₹23 per financial transaction. Non financial transactions will remain free.
	Other Domestic ATM—Cash Withdrawal3/Non-financial transactions2	No charges up to 30 transactions. Thereafter, ₹23 per financial transaction and ₹10 per non-financial transaction.
	Cash withdrawal/Non-financial transactions2 at International ATM4	NIL
	Cross-currency markup on International transactions	1.5% per International cash withdrawal and purchase transaction
	Dynamic Currency Conversion (DCC) Charges	1% per transaction for all dynamic currency conversion on International transactions#
	Declined transactions at ATM, merchant outlets, websites due to insufficient balance5 (w.e.f April 1, 2019)	NIL
	Cardless cash withdrawal (IMT)	NIL
DD/ Pay order/ Cheque Book	DD/Pay Order/Cheque Book	Nil
	DD/Pay order FCY—DD/TT/Cheque Collection/Revalidation/Cancellation/Deposit and Return	Nil
	At-par Cheque book charges	Nil
Transaction Failure	Cheque issued & returned (due to non-availability of funds)	₹500 for each instance
	ECS/ NACH transaction failure (due to non-availability of funds)	₹500 for first instance and ₹550 from second instance onwards
	ECS Mandate Verification	Nil
	SI Failure	Nil
	Cheque deposited and returned (INR)	Nil
	Cheque issued and returned (INR)—Non-financial reason	Nil
Branch Requests	Foreign Inward Remittance Certificate	Nil
Branch Requests	Duplicate Ad-hoc statement, Duplicate Passbook, TDS Certificate through Branch or any other Record Retrieval, Stop Payment – Single/ Range of cheque through branch/ CEC, DD Revalidation, PO/BC Revalidation/Cancellation (INR), Annual Combined Statement—Physical, Monthly Physical Statement	Nil
Statements & Alerts6	Statements	Nil
Statements & Alerts6	Balances, transaction & value-added alerts (50p per SMS—Daily & Weekly)	Nil
Other Charges	TOD Cheque purchase charges	₹500 0.5/1000 (Min 50, Max 10,000)
Complimentary Services	Passbook (in lieu of account statement), Current Year, balance & Interest Statement, Signature Verification Certificate, Photo Attestation, Address Confirmation, Balance & Interest Statement, Regeneration of PIN of Net Banking/Phone Banking/Debit Card (sent through courier), Account Closure, Cash/Instrument Pick Up/Delivery/KYC Pick Up	Nil
Debit Card Issuance/Annual Charges7	Privy League Signature Neon Debit Card – Add-on Privy League Signature Platinum Debit Card – Primary Privy League Signature Platinum Debit Card – Add-on Privy League Infinite Black Debit Card – Primary Privy League Infinite Black Debit Card – Add-on Kotak PVR Debit Card	Nil Nil Nil Nil Nil Issuance fee – ₹499 Annual fee – ₹499






Other Debit Card Related Charges7	Replacement of Debit Card	Nil
	Issuance fee for Image Debit Card	Nil
	Issuance fee for Image Debit Card
Goods and Service Tax (GST) on Foreign Currency Conversion Charges (FCY)8
Purchase or Sale Value of Foreign Currency	Value on which GST rate will be applicable
Up to ₹1,00,000	1% of the gross currency exchange amount or minimum of ₹250
Above ₹1,00,000 to ₹10,00,000	1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.
Above ₹10,00,000	₹5500 + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of ₹60,000
Disclaimer:
All charges are in Rupees NA = Not applicable
Solitaire Eligibility Criteria For Salaried customers: SLC (Net Monthly Salary Credit)^ ≥ INR 5 Lakhs or hold a Relationship value of INR 75 Lakhs or above.
^ If the specified program criteria (SLC: INR ≥ 5 Lakh) is not met, the Bank reserves the right to withdraw your Solitaire benefits. Your account(s) will then be subject to the standard minimum balance requirements, fees, and charges applicable to your respective account type(s). The Reimbursement Account is offered as part of the Salary Account. It will be closed if the Salary Account is closed or migrated to any other scheme code. The Bank may choose to communicate via SMS, email, or letter. It is the customer’s responsibility to ensure that a valid email ID, mobile number, and address are updated with the Bank at all times. Failure to do so may result in non-receipt of notifications.
“W.e.f 1st August 2026, 3.5% per transaction will be applicable for all dynamic currency conversion on International Debit card transactions"
[1]Indo-Nepal Remittance Scheme (NEFT Charges): — If Beneficiary maintains an account with Nepal SBI Bank Ltd. (NSBL): ₹25 per transaction (including all taxes). — If Beneficiary does not maintain an account with Nepal SBI Bank Ltd (NSBL): Up to ₹5000, ₹75 per transaction & beyond ₹5000, ₹100 per transaction (including all taxes). — This General Schedule of Features and Charges is applicable only for Kotak Solitaire customers. For others, charges pertaining to the Saving Account product held by the customer will be applicable.



[2] Non-financial transactions are Balance Inquiry, Mini Statement & PIN Change.
[3] Cash withdrawal limit from other Domestic ATM is ₹10,000 per transaction.
[4]Additional charges levied by another bank on International ATM transactions will also have to be borne by the card holder.
[5] Penalty charges. Not applicable once the account becomes inoperative/dormant.
[6] Transaction and value-added SMS alerts would be sent at no charges to the customers who have subscribed for Daily/weekly balance alerts facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent at no charge, even if Daily/weekly Balance SMS alerts facility has not been subscribed.
[7] All upsell Debit Cards shall be chargeable as per rates applicable.
[8] Any purchase/sale of foreign exchange will attract GST on the gross amount of currency exchanged as per GST on Foreign Currency Conversion Charges (FCY) table above.
— The Bank will charge cross-currency mark-up charge of 1.5% on foreign currency transactions carried out on all Signature Debit Cards, 1.5% on Privy Infinite Debit Card and Solitaire debit card. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction. Tax Collected at Source on all such transactions will be applicable at prevailing rates as per the prevailing law. — A charge of 1% on the transaction amount + GST will be applicable on cash withdrawal transactions done at merchant outlets (Cash/PoS). The charge is not applicable for Platinum/Black customers. — Charges are exclusive of the Goods and Service Tax (GST). With effect from 1st July, 2017, the effective Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time. As per RBI guidelines, Business/Commercial transactions are not permitted in the Savings Accounts. — The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges. — The above charges are applicable for all states other than Jammu and Kashmir. GST is applicable in the State of Jammu and Kashmir. For charges applicable to Jammu and Kashmir, please contact the respective Branch Manager. — State government taxes/Cess as applicable shall be charged.




NA = Not applicable
To note: In case if a customer is being regraded to lower tiers, standard charges for all products/services including Debit Card shall be applicable
“W.e.f 1st September 2019, TDS at the rate of 2% (plus applicable surcharge and cess) will be deducted on cash withdrawal in excess of one crore rupees in aggregate made during the financial year.”

General Schedule of Features and Charges (GSFC) for Retail Current Account (w.e.f. 1st August, 2026)

Relationship Value				Rs.1 Crore and above
Remittances/Payments	Particulars		Standard Charges	Applicable for Solitaire Business
Demand Draft/ Banker's Cheque	Payable at branch locations		Rs.1/1000 (Min Rs.50, Max Rs.5000)	Nil Charges
Demand Draft/ Banker's Cheque	Payable at non-branch locations		Rs.2/1000 (Min Rs.50, Max Rs.5000)	Nil Charges
RTGS	Applicable only if done in the branch		Rs.2 - 5 L: Rs.20/ Txn.; > Rs.5 L: Rs.40/ Txn.	Nil Charges
NEFT**	Applicable only if done in the branch		Up to Rs.10K; /Rs.2/ Txn.; >Rs.10K to Rs.2 L: Rs.4/ Txn. >Rs.2 L: Rs.24/ Txn.	Nil Charges
IMPS	Up to Rs.1,00,000: Rs.5 / Txn. Above Rs.1,00,000 : Rs.15 / Txn.			Nil Charges
Chequebook	Default Chequebook is payable at At-par only		Up to Rs.500 leaves/p.m. - 2/leaf; Above Rs.500 leaves/p.m. - 3/leaf	Nil Charges
Home Banking
On-call Request	Cash pickup or delivery		Up to Rs.2 L: Rs.875 Rs.2 L to Rs.6 L: Rs.1,475 Rs.6.01 L to Rs.10 L: Rs.2,475 Rs.10.01 L to Rs.20 L: Rs.4,075, Rs.20.01 L to Rs.100.00 L: Rs.6,675 per request	*
On-call Request	Cheque pickup/DD delivery		Rs. 75/- per request	Nil Charges
Beat Service	Cash pickup per location & per month		Up to Rs.50 K: Rs.5 K Rs.50 K to Rs.1 L: Rs.6 K Rs.1 L to Rs.2 L: Rs.7.5 K Rs.2 L to Rs.4 L: Rs.10 K Rs.4 L to Rs.6 L: Rs.15 K Rs.6 L to Rs.8 L: Rs.20 K Rs.8 L to Rs.10 L: Rs.25 K Rs.10 L to Rs.15 L: Rs.35 K Rs.15 L to Rs.20 L: Rs.40 K Rs.20 L to Rs.50 L: Rs.50 K Rs.50 L to Rs.100 L: Rs.75 K per location & per month	*
Beat Service	Cheque pickup		Rs.500 p.m.	Nil Charges
Cash Deposit & Withdrawal
Cash Deposits	At home branch & non-home branch locations		Rs.4/1000; Min Rs.50 per Txn.	Nil Charges of up to 10 times of prev. month's avg credit balance; Max. Rs.20 Cr. p.m. thereafter; Std. Charges apply
Cash Withdrawal	For non-home branch locations		Rs.2/1000; Min Rs.50 per Txn.	Nil Charges up to Rs.7.5 L per day; thereafter; Std. Charges apply
Automated Teller Machine ((ATM): Kotak ATM Txn. - Nil Charges up to 5 Transactions
^^VISA ATMs usage charges - Domestic	Non-ﬁnancial Txn.		Rs.10 per Txn.	Nil Charges
^^VISA ATMs usage charges - Domestic	Cash Withdrawal		Rs.23 per Txn.
VISA ATMs - International	Non-ﬁnancial Txn.		Rs.25 per Txn.	Nil Charges
VISA ATMs - International	Cash Withdrawal		Rs.150 per Txn.	Nil Charges
Txn. declined at merchant outlets/website/ATM, due to insuﬃcient balance	Insuﬃcient Funds		Rs.25 per Txn.	Nil Charges
Relationship Value Rs.1 Crore and above
Remittances/Payments	Particulars		Standard Charges (Rs.)	Applicable for Solitaire Business
Debit Card
Debit Card Charges	Joining & Annual Fee		Rs.259 p.a.	Nil Charges
Other Charges
Account Related
Average Quarterly Balance (AQB) Non-maintenance <>	Non-maintenance charges per quarter		If AQB < 50% of the required Product AQB	Nil Charges
Average Quarterly Balance (AQB) Non-maintenance <>	Non-maintenance charges per quarter		If AQB >=50% but < 100% of the required Product AQB	Nil Charges
Cheque Returns <>
Cheques Deposited & Returned (Outward)	Local & outstation		Rs.100 per Cheque	Nil charges up to 10 p.m.; thereafter Std. Charges apply
Cheques Issued and Returned (Inward)	Financial reasons		Rs.500/instance	*
ECS returns	Financial reasons		Rs.500/instance	*
SMS Alerts & Updates
Balance (Daily/Weekly), Txn. & Value-added Alerts			SMS - Rs.0.50 per SMS Email - Nil charges	Nil Charges
Charges Common for All Products
Account Statements (Through Email - Nil charges)
Ad - hoc Statements Request	At Branch/ Phone Banking		<=365 Days: Rs.100	*
	At Branch/ Phone Banking		>365 Days: Rs.200	*
	On Net Banking/ ATM		Rs.50	*
Foreign Currency Payments & Collections
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection			Rs.500	*
TT Transfer ~	Corr. Bank Chrgs. Borne by Beneﬁciary		Rs.250	*
TT Transfer ~	Corr. Bank Chrgs. Not Borne by Beneﬁciary		Rs.1000	*
Cheque Deposited and Returned ~ / Cheque Issued and Returned ~ <> (Financial Reasons)			Rs.1000	*
Miscellaneous Charges
Fund Transfer Return	Financial Reasons		Rs.300	*
Cheque Purchase Charges			Rs.0.5/1000/Day	*
Travellers Cheque Encashment ~			1% of TC Amount	*
Mandate Registration Charges			Rs.50/Instance	Nil Charges
Stop Payment			Rs.100 Per Request	Nil Charges
Standing Instruction Failure			Rs.100	*
TDS Certiﬁcate(Duplicate only)			Rs.200/Request	*
Solvency Certiﬁcate			Rs.15000	*
TOD Charges			Rs.500	*
Authorised Dealer Code Letter			Rs.500 per request	*
GST on Foreign Currency Conversion Charges (FCY) ~
Value of purchase or sale of Foreign Currency		Value on which GST rate will be applicable
Up to Rs.1,00,000		1% of the gross amount of currency exchanges or minimum of Rs.250/-
Above Rs.1,00,000/- to Rs.10,00,000/-		Rs.1000 + 0.50% of the gross amount of currency exchanged less Rs.1,00,000
Above Rs.10,00,000/-		Rs.5500/- + 0.10% of the gross amount of currency exchanged less Rs.10,00,000 subject to maximum of Rs.60,000/-
Debit card Charges for non-Solitaire customers
Card Type			Charges
Solitaire Business Debit Card			Rs.1500 p.a + GST
Services Oﬀered at "Nil Charges" 1. Outstation Cheque (Cheques drawn on non-speed clearing branches) 2. Debit Card Replacement (Lost / Stolen Card) 3. Debit Card Cardless cash withdrawal 4. Bank Statement Weekly (Physical), Annual Combined Statement, Balance Statement (Other than 31st March) 5. PIN Regeneration at ATM/ Net Banking/ Phone Banking 6. Standing Instruction - Set-up/ Amendment 7. Interest Statement & DD/BC Cancellation & Revalidation 8. Signature Verification Address Confirmation 9. Record retrieval charges & Photo Attestation 10. Confidential Report & Credit Confirmation 11. Account Closure Charges (Customer Induced Closure) & IMT ( Cashless Card Withdrawal) 12. IMT - Instant Money Transfer ( Cashless Card Withdrawal) Please Note: 1 Classic Card will not be available to customers whose Current Accounts were opened with Kotak Bank after 20th December 2011. Charges against the Classic card will be the same as those against Business Gold. Coin Deposit charges: "Nil Charges" up to a deposit value of Rs.50; Beyond Rs.50 per instance, 5% of the coins deposited will be charged. Low Denomination Charges: 0.5% of the value above Rs.5000 deposit per instance; Only Rs.10 and Rs.20 notes will be considered. SMS Alerts & Updates: - Mandatory Alerts will not be charged. Home Banking (On-Call & Beat Service) - Oﬀered at select locations. The maximum slab available for cash pickup is up to Rs.100 lakh only. Lower denomination notes(value equal to or less than Rs.50 ) and coins will not be accepted. ^Home Banking Beat Cash Service charges will be charged as per agreed Contractual Slab monthly. The charges are applicable per month & per location basis. Non-ﬁnancial Txn. under the debit card section includes Balance enquiry, Mini Statement & PIN Change. ^^Debit Card transaction eligibility : Five free financial transactions are allowed per month, while non-financial transactions remain free at own bank ATMs. At other bank ATMs (inclusive of financial and non-financial transactions), three free transactions per month are allowed in metro centres and five transactions in non-metro centres. Top 6 Cities: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad * Indicates Standard Charges are Applicable Abbreviations Used: For all value ﬁgures L = Lakh & K = Thousand; Chq. = Cheque; Std. = Standard; Chrg. = Charge; Txn. = Transaction; p.m. = per month; p.a. = per annum; Avg = Average; FCY = Foreign Currency; FT = Fund Transfer; Corr = Correspondent; TOD = Temporary Overdraft; w/o = without Dynamic Currency Conversion (DCC) markup fee of 3.5% plus GST will be applicable on Kotak Bank Debit Cards . The DCC markup fee will apply to all ATM, POS/ In-store or online transactions. 1. Transactions done in Indian currency (INR) at international locations 2. Transactions done in Indian currency (INR) with merchants located in India but registered in an international location *Indo - Nepal Remittance Scheme (NEFT Charges): If the beneﬁciary maintains an account with Nepal SBI Bank Ltd (NSBL): Rs.25 per Txn. (incl all taxes) If the beneﬁciary does not maintain an account with Nepal SBI Bank Ltd (NSBL): Up to Rs.5000 - Rs.75 per Txn. & beyond Rs.5000 - Rs.100 per Txn. (incl all taxes) # Applicable for all transactions that involve conversion of foreign currency. This charge is applicable from 16th May 2008 as per the CBDT Circular ~ Any purchase/sale of foreign exchange will attract GST on the gross amount of currency exchanged as per GST on Foreign Currency Conversion Charges (FCY) table above Please note any rejections in applications made through ASBA mode due to insuﬃcient funds will attract charges of Rs 300/- per rejection. ## Neo Current Account is available in select locations only. Nil charges on transaction and value-added SMS alerts for the customers who have subscribed to the Daily/Weekly balance alert facility. *Alerts that RBI has mandated, as well as alerts which are deemed appropriate by the Bank, will be sent without any charges, even if Daily/Weekly Balance SMS alerts facility has not been subscribed. The Bank will charge a cross-currency markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the wholesale exchange rate of the VISA/Master Card prevailing at the time of transaction. For all Overdraft / Cash Credit / Loans / special purpose accounts, respective and existing product / facility GSFC will be applicable. Please refer to the respective account variant GSFC on www.kotak.in. Customers re-graded for not maintaining their Relationship Value(RV), as agreed upon during onboarding with Solitaire Business, will have revised GSFC applied. <> Indicates penalty charges Charges are exclusive of the Goods and Service Tax (GST). With effect from 01st July 2017 the practical Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time. "State Government taxes / Cess as applicable shall be charged” TDS on cash withdrawals is applicable as per prevailing laws. For more details, please refer to the TDS section under the bankʼs terms and conditions page on https://www.kotak.bank.in/en/terms-conditions.html#3. All charges are subject to revision, with an intimation of 30 days to account holders. Account closure due to charge revision will not be subject to account closure charges.

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General Schedule of Features & Charges (GSFC) - For Retail Saving and Corporate Salary Accounts (w.e.f. 1st April, 2026)

General Schedule of Features and Charges (GSFC) for Retail Current Account (w.e.f. 1st August, 2026)