Grand - Savings Programme for the 55+

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The Kotak Grand Programme is designed for the new-age senior and offers a whole lot of benefits that are sure to make your life grand. It is a savings account that recognizes your age and experience and offers you full command over your finances.

What's more? You also get to enjoy these privileges as early as when you turn 55.

  1. Up to 6% interest p.a.1
  2. Cash back up to Rs. 45002
  3. Priority Service & First Aid Card
  4. Customised Cash Delivery
  5. SMS to receive a call back
  6. SMS alert for 15G/H deposition at the quarter beginning and on new FD’s booked
  7. Health card from IHO3
  8. Kotak ActivMoney - Converts savings account balance above a certain amount into Term Deposits, so you earn a higher rate of interest


1 Earn 6% interest p.a. on savings account balance over Rs. 1 Lakh. Balances up to Rs. 1 Lakh will earn 5.0% interest p.a.

2 Applicable maximum cashback for Ace & Platina Account holders. if the Average Monthly Balance required is maintained and the Debit Card spends criterion is met.

3 Available for Pro, Ace & Platina customers only

Key FeaturesEdgeProAce / Platina
Maximum Cashback per month (Rs.)125250375
Maximum cash back in a year (Rs.)150030004500
Minimum spends/month (Rs)50001000015000

# subject to meeting Debit card spends & Average Monthly Balance criteria

6% interest p.a. & ActivMoney
Earn 6% interest p.a.on your savings account for balance above 1 Lakh and earn 5% on balance upto 1 Lakh.

Debit Card
Our Debit Card offers you Purchase Protection up to Rs. 1 Lakh for all consumer durable goods purchased.

For more details please click here

Easy bill payment
Set up AutoPay and pay bills directly from your account. Now you will never have to worry about missing a payment.

Convenience banking services
Use our new-age user friendly Net Banking and Mobile Banking app to transfer money, pay your bills, recharge your DTH account and even book flight tickets.

Kotak Aqua Credit Card and Overdraft facility
Now forget about having to break a term Deposit and losing out on interest during emergencies. Get money when you need it by:

  • Opting for Kotak Aqua Credit Card with a credit limit of 80% of your Term Deposit value with us
  • Alternatively you can opt to get an Overdraft of up to 85% on your Term Deposit.

Customised Cash Delivery
Enjoy the convenience of having cash delivered to you, right at your doorstep. Sign up to customise your cash delivery and we will call you on the pre-defined date that you choose- the 1st, 5th,10th, 15th, 20th or 25th of the month.

Priority Service and first Aid Card
Carry the Grand Priority Card that has all the important details regarding your health status and emergency contacts for easy reference. Not only does this act as a first aid card, but also gets your first preference at our branches. No more standing in long queues.

SMS for a call back
Avoid the hassle of waiting for your turn when you call for assistance. Simply SMS KGRAND to 5676788 and our representative will call you within 30 minutes. This service will be available from Monday to Saturday, between 9:30 am and 6:30 pm

SMS Alerts
Get SMS alerts for your 15G/H deposition at the quarter beginning and when you open a new Term Deposit.

Health Card by Indian Health Organisation
Your Health matters to us. Which is why we give you the Indian Health Organisation Card. With this card, you can get up to 50% discount on treatments, consultation and procedures. To know more about the available discounts, contact the IHO call centre @ 011-49394470 / Email:

Travel Card : 25% waiver on issuance charges

Preferential rate on MF charges -1.25% through Investment Account

Waiver on Demat AMC for 1st Year

Up to 35% discount on locker rental for the first year (applicable for Locker allotment in the financial year of enrolling in Grand Savings Programme)

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