ATM Network

1860 266 2666

Local call rates apply

Experience the convenience of banking without stepping into a branch with our widespread network of ATMs. Use our ATM / Branch Locator to find the nearest ATM:

  1. All Visa and MasterCard Debit and Credit Cards are accepted at our ATMs
  2. Use the ATM for:
    • Cash withdrawal
    • Account Balance enquiry
    • Cheque book requests
    • Statements requests
    • 24-hour access to fund transfer between your own Kotak accounts
    • ATM Pin change facility
    • Print Mini statements
    • Cheque and document drop box facility


1Except MasterCard issued by Banks abroad


Expand All

What is an Automated Teller Machine (ATM)?

An Automated Teller Machine (ATM) is a computerised machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.

What type of cards can be used at an ATM?

The ATM cards / debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for cash withdrawal.

What are the services / facilities available at ATMs?

In addition to cash dispensing ATMs may have many services / facilities such as:-

  • Account Information
  • Cash deposit
  • Regular Bill Payments
  • Purchase of reload vouchers for mobiles
  • Mini / Short statement
  • Loan account enquiry, etc.

The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.

How can one transact at an ATM?

To transact at an ATM, the customer is required to insert / swipe their ATM Card in the slot provided on the machine, and enter the Personal Identification Number (PIN) issued by the bank.

Can these cards be used at any bank ATM in the country?

Yes. The cards issued by banks in India should be enabled for use at any bank ATM in India.

What is Personal Identification Number (PIN)?

A Personal Identification Number (PIN) is a numeric password that one uses to access an ATM. The PIN is separately mailed / handed over to the customer when the card is newly issued. The bank also offers clients the option to reset to a new PIN, if they so desire.

The PIN number should never be written on the card or stored in places where the card can be misused if the card is lost / stolen.

What step should the customer take in the event of one forgetting their PIN or if the card is sucked in by the ATM?

In such a scenario, the customer should immediately contact the card issuing bank branch and apply for the retrieval / issuance of a new card or PIN. The same procedure is also applicable in the event that the card is sucked in at a visiting bank's ATM.

What should be done if the card is lost / stolen?

The customer is strongly advised to contact the card issuing bank immediately so as to enable the bank to block the card, and therefore prevent its misuse.

What is the minimum and maximum cash withdrawal limit per day?

The cash withdrawal limit at our bank's ATMs is subject to your Credit Card / Debit Card limit.

For cash withdrawal at other bank ATMs the per transaction limit has been fixed at Rs. 10,000/- subject to your daily Credit Card / Debit Card withdrawal limit.

What steps should a customer take in case of failed ATM transaction at other bank's ATMs, where his account is debited?

The customer is advised to immediately lodge a complaint with the card issuing bank, to enable the bank to investigate the issue and reverse the loss suffered by the customer. The same procedure applies in the event of the transaction failing at the issued bank's ATM.

Is there any time limit for the card issuing banks for re-crediting the customer's account for a failed ATM transaction?

Banks are required to re-credit wrongly debited amounts within a maximum period of 7 working days from the date of receipt of customer complaint.

Are the customers eligible for compensation for delays beyond 7 working days?

Yes. Effective from July 1, 2011, banks will have to pay customers a Rs. 100/- per day for delays beyond 7 working days after receipt on complaint only if the complaint is lodged within 30 days of the date of transaction.

What is the course of action for the customer if the complaint is not addressed by his / her bank within the stipulated time?

For all such complaints, the customer may lodge a complaint with the local Banking Ombudsman, if the bank does not respond.

Register for Alerts & Services
Apply for Products
Tools & Calculators