Features & Benefits

• Kotak ActivMoney

• ActivMoney gives you the unique opportunity to maximize your returns while offering liquidity at the same time. Daily balances in your Current Account, above a certain amount are automatically swept into fixed deposits. The 'swept out amount' is brought back into the account to meet fund requirements when the account balance goes below the threshold level. So you not only enjoy attractive returns on your idle balances but also maximize liquidity.

• Unsecured Overdraft Facility

• With our unique feature Credit Access, you can avail Overdraft Facility upto Rs. 10 lakhs on your account for your business needs or emergencies. This facility is available after six months of account relationship with the bank.

• Free Demand Drafts

• Enjoy the benefit of 100 DDs per month payable at more than 125 Kotak branch locations absolutely free & DDs payable at more than 1000 Kotak non-branch at a very nominal charge.

• Free NEFT

• All NEFT transactions done through Net Banking are absolutely free! Transfer funds across all major banks covering more than 10000 branches at more than 200 locations pan India.

• Free RTGS

All RTGS transactions done on Net Banking are absolutely free. With this service you can transfer any amount above Rs. 1 lakh to more than 50000 bank branches across India at faster speed and absolutely free of charge!

• Free At - Par Cheques

Get free payable at-par cheque books that are treated as 'local clearing' cheques across all our branch locations. Save on DD charges while enjoying the convenience of a cheque!

• Free Cheque Collection

All out-station cheques drawn on Kotak branch locations & cheques of value more than Rs.1 lakh drawn on Kotak non-branch locations shall be collected absolutely free! Our strong network of correspondent banks enables us to collect cheques from more than 1600 locations across India in a fast and efficient manner.

• Free Cheque Returns

With this customized feature specially offered for your business, you can avail a monthly free limit on local cheques deposited & returned!

• Better Forex Rates & Efficient Trade Services

Avail the best foreign exchange rates on your inward/outward remittances. We excel in processing all kinds of export/ import bills with low turn-around time at competitive rates.

• Dedicated Relationship Manager

At Kotak we understand that your needs are unique and hence as a Pro Current Account customer, we provide you a dedicated Relationship Manager who will be your single point contact at the bank. S/he will ensure that your requirements are prioritized and will also provide you valuable advice regarding smart money management

• Multi - City Banking

Your account/s with Kotak Mahindra Bank will be recognized across all our branches. You can walk into any branch across the country to satisfy all your banking needs.

• Business Debit Card with Access at all Domestic VISA and Cashnet ATMs

You can use your Kotak Mahindra Bank Global Debit Card to withdraw cash from any VISA ATM anywhere in the world. You can use the card to debit your Current Account for all business related expenses and easily track your transactions. You can use any VISA and Cashnet ATM anywhere in India.

• Free Cash Deposit at Home Branch

Every month you can deposit cash at home branch absolutely free upto 5 times of the average balance for the preceeding month or Rs. 10 lakhs, whichever is higher. So you can define your free cash deposit limit as per your needs!

• Free Cash /Cheque Pick up and Delivery

You can use our 'Home Banking' service free once per day each for cash pick up/delivery upto Rs. 5 lakhs and cheque pick up/ DD delivery from/to your doorstep.

• Free Beat Cheque Pick-up

You can get all cheques which are to be deposited in your account, picked up from your office every day absolutely free of charge!

• SMS Requests and Alerts

Our SMS Requests & Alerts service enables you to track your account transactions through your mobile phone. You shall receive weekly SMS alerts for account balance! Also any large credits/debits, balance below AQB, SI failure and SI successfully executed shall be intimated to you via SMS alerts. You can also request your account balance, last 3 transactions details & cheque book by SMS sent to 9971056767 / 5676788

• 24 x 7 Phone Banking

Our 24-hrs Customer Contact Center offers you personalized service round the clock. Just pick up the phone and call us on our toll free number 1800 102 6022 pan India.

• Net Banking

Log on to our website to avail of our highly convenient Net banking services such as:

1. View account balances
2. Download account statement
3. Online tax payments through E tax
4. Fund transfer
5. NEFT payments
6. RTGS payments
7. Utility Bill payments through BillPay
8. Credit Card payments through Visa Money Transfer
9. Buying / redemption of mutual funds