Edge Salary Account

1860 266 2666

Local call rates apply

Kotak Edge Salary Account provides multiple privileges and benefits to meet the financial needs of a salaried professional.

  1. Classic Debit Card – Unlimited ATM transactions at Kotak ATM's and 5 VISA ATM Transactions monthly at non-Kotak ATM's in India
  2. Free Zero Balance Account (subject to salary credits)
  3. Earn up to 6% interest p.a. on savings account balance 1
  4. ActivMoney – Enjoy liquidity of a Savings Account with the attractive returns of a Term Deposit – auto Sweep in / auto Sweep-Out facility at minimal threshold of Rs. 20,000/- in Savings Account
  5. Fixed Deposits at attractive rates
  6. Payable at par cheque book
  7. Free demand drafts up to Rs. 25,000/- a day at home location
  8. Electronic Fund Transfer
  9. Free cash withdrawal other than home location
  10. Cash withdrawal should be 25000 and shopping limit should be 100000/-
  11. Lost Card Liability Insurance of Rs. 1,00,000/-
  12. Purchase Protection of Rs. 50,000/-
  13. Home / Personal/Auto Loans at preferred rates2. Auto Loans offered by Kotak Mahindra Prime Limited, a Kotak Group Company
  14. PVR Kotak Credit Card – Get two PVR ticket on spends of Rs. 7500/- per month. Choose of suite of Credit Cards as per your requirements
  15. Free Investment Account1 - Redeem or purchase from over 2200 Mutual Funds online
  16. Online 3-in-1 trading cum Demat account available
  17. Office and home banking1
  18. Free Net Banking,Mobile Banking, SMS and Phone banking
  19. Utility bill payment services through Auto Pay
  20. Netc@rd
  21. Interbank Mobile Payment Services
  22. Online Term Deposit
  23. Visa money transfer
  24. Payment Gateway
  25. 24x7 dedicated customer care
  26. Kotak World Travel Card
  27. Best Compliments Card


1All the above benefits are subject to terms, conditions and exclusions. Earn up to 6% p.a. interest on savings account balance over Rs 1 lakh and up to Rs 5 crs. Earn 5% p.a. interest on savings account balance up to Rs 1 lakh and 5.5% p.a. interest on savings account balance above Rs 5 crs. Applicable for Resident Accounts only.
*Non chip enabled Debit Cards issued on or after December 1, 2013, cannot be used outside India.


This product is offered to employees drawing net take home salary of Rs. 20,000/- and above. Please check if your corporate is empaneled with us for Salary2Wealth Program.

The following documents would be required to complete your account opening process, which needs to be submitted duly at your nearest Kotak Bank Branch.
  1. Account opening form (completed)
  2. Identity Proof 
  3. Residence Proof 
  4. Signature Proof 

Acceptable KYC Documents for Resident Individuals

ISA documents for resident individuals except foreign nationals

DocumentIdentity ProofResidence ProofSignature Proof
Driving License
Valid licence
PAN Card
(also refer notes below)
Valid Photo Credit/Debit Card
Issued by any bank. Only if the Photo and Signature are printed on the front of the card.
Voter's Identity Card
(Election Card)
Ration Card (Only address proof)   
Valid ID Documents
Card with Photo issued by Govt. Org, PSU, Statutory/ Regulatory Authority, Scheduled Commercial Banks, Public Financial Institutions & Professional Bodies like ICAI, ICWAI, ICSI, Bar Council, etc. to their Members
(If photo included)
(If address included)
(If signature included)
College ID Card
Existing and validcard issued by colleges affiliated to universities.Applicable only if a/c with parent/guardian as Joint Holder
(If photo included)
(If address included)
(If signature included)
Marriage Certificate
for married women (irrespective of primary or joint or single holder) and not acceptable for husband
(If photo included)
(If address included)
(Not to be accepted as address proof of a woman if the account is held singly by her)
(If signature included)
Introductory Reference
Customer's Banker except Cooperative Bank - to be obtained by KMBL - IP cheque mandatory from the same account
(If photo verified)
(If address verified)
(If signature verified)
Utility Bill
Electricity/Telephone/Mobile/Piped Gas/Water bill/ Broadband bill not more than 3 months old
Letter from Housing Society
Only for owners with latest 2 months Maintenance bill
Registered Leave & License Agreement
For Tenants
Bank Statement
Active Account - signed & stamped or with logo / printed by Bank (internet downloads not accepted)
Bank Statement
Bank statement with watermark logo of the issuing bank without the stamp and signature of the authorised bank official, can be accepted if the bank branch address mentioned on the statement and the Self Signed Initial Payment cheque is same. Branch address on the statement preferably to be a printed one. In case of handwritten branch address, same to be signed and stamped by authorised bank official of the issuing bank.
Bank Account Passbook
Active accounts of schedule commercial banks only along with the bank seal/ stamp and signature of the bank official. (updated and not more than 3 months old)
(If photo verified by the issuing bank branch then Initial Payment mandatory from the same bank account)
(If address verified)
Sale Deed   
Self-signed Cheque or Product AQB
(in case the cheque is from a co-operative bank a six month bank statement would also be required)
Wealth/ Income/ Sales/ Service Tax Assessment Order
Not more than 6 months old
Introductory reference fromexisting Kotak Bank customer
For a No Frills Accounts, existing customer for more than 6 months - a/c conduct satisfactory & introducer knows new customer for 1 year or more
Postal Certificate  
(If photo included)
(If address included)
(If signature included)

Please note the Documents are subject to change as per RBI Guidelines

As an organization you can opt for Kotak Salary2Wealth Program to enable easy disbursement of salaries and ensure that your employees get the best offerings.

With Kotak Salary2Wealth Program, your employees will enjoy a comprehensive product suite to cater to the financial needs of the salaried individual.

Kotak Salary2Wealth program benefits you in more than one way:

  • Multiple options for Salary Credit –
    • Corporate Internet Banking | Web based module – NET IT | Branch Network
  • Reimbursement Account opening along with Salary Accounts using Insta Kits
  • Single point of contact across Kotak Consumer Bank offerings which include:
    • New Pension Scheme
    • Car Lease Program
    • ESOP Funding
    • Corporate Credit Cards
    • Corporate Funding
    • NR Accounts
    • Knowledge Series Workshops
  • FINMALL's @ Corporate Premises – One stop shop for financial solutions for your employees
  • PARICHAY @ Corporate Premises – Service level initiatives for your employees


1Conditions Apply

2Conditions Apply. Credit subject to complete documentation and at the sole discretion of the bank and incase of Auto Loan at the discretion Kotak Mahindra Prime Limited.

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