Kotak Astra 05 Account
A current account that understands the financial need of large enterprises

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Click Here to know about Fees and Charges of all the Current Account
Average Quaterly Balance - ₹5 Lakh
Non-maintainance charges per quarter:
AQB < 50% of the required Product AQB: ₹8,000
AQB >=50% but < 100% of the required Product AQB: ₹5,000
Cash Transactions | Charges |
---|---|
Cash Deposit (Home and Non Home branch Location) |
Nil Charges upto 10 times of prev month's avg credit balance , Max. 10 Cr p.m Thereafter ₹3.5/1000 (Min. 50 per txn) |
Cash Withdrawal: For Non - home Branch Location | Nil Charges upto 5 Lakh per day; Thereafter ₹2/1000 (Min. 50 per txn) |
Non-Cash Transactions | Charges |
---|---|
RTGS payment through online mode or branches | Nil Charges |
NEFT** payment through online mode or branches | Nil Charges |
IMPS Payment | Nil Charges |
Cheque Book: Default Cheque Book is Payable At-par Only | Nil Charges |
Out-station Cheque (Cheques drawn on non-speed clearing branches) | Nil Charges |
Demand Draft / Banker's cheque payable at Branch Locations | Nil Charges |
Demand Draft / Banker's cheque payable at Non- Branch Locations | Nil Charges |
Home Banking Services | Charges |
---|---|
On Call Request: Cheque Pick-up/DD Delivery | Nil charges up to 7 req per month; thereafter ₹75 / request |
On Call Request: Cash Pick-up or Delivery^ | Upto 2 Lakh: ₹875 ₹2 Lakh to ₹6 Lakh: ₹1,475 ₹6.01 Lakh to ₹10 Lakh: ₹2,475 ₹10.01 Lakh to ₹20 Lakh: ₹4,075 ₹20.01 Lakh to ₹100 Lakh: ₹6,675/- per request |
Beat Services: Cash Pickup Per Location & Per Month |
Up to ₹,50,000: ₹5,000 ₹50,000 to ₹1 Lakh: ₹6,000 ₹1 Lakh to ₹2 Lakh: ₹7,500 ₹2 Lakh to ₹4 Lakh: ₹10,000 ₹4 Lakh to ₹6 Lakh: ₹15,000 ₹6 Lakh to ₹8 Lakh: ₹20,000 ₹8 Lakh to ₹10 Lakh: ₹25,000 ₹10 Lakh to ₹15 Lakh: ₹35,000 ₹15 Lakh to ₹20 Lakh: ₹40,000 ₹20 Lakh to ₹50 Lakh: ₹50,000 ₹50 Lakh to ₹100 Lakh: ₹75,000 Per Location & Per Month |
Beat Services: Cheque Pickup |
Nil Charges |
Debit Cards / ATM Usage | Charges |
---|---|
Debit Card charges | Nil Charges for 1st Year; thereafter ₹259 p.a. |
^^VISA ATMs usage charges - Domestic - Non Financial Transaction | Nil Charges |
^^VISA ATMs usage charges - Domestic - Cash withdrawal | Nil Charges |
PIN Regeneration at ATM/ Net Banking/ Phone Banking, | Nil Charges |
Debit Card Replacement (Lost / Stolen Card) | Nil Charges |
Automated Teller Machine (ATM): Kotak ATM Txn | Nil Charges up to 5 Txn |
VISA ATMs - International - Non Financial Transaction | ₹25 / Txn |
VISA ATMs - International - Cash Withdrawal | ₹150 / Txn |
Transaction declined at merchant outlets/website/ATM, due to insufficient Balance | ₹25 / Txn |
Privy Debit Card Charges | |
Platinum Card , Signature Cards & Business Cards | ₹750 p.a |
Neon Debit Card & Private Banking Infinite Card | ₹1500 p.a |
LED Card | ₹2500 p.a |
Black Metal Card | ₹5000 p.a |
Penal Charges | |
---|---|
Cheques Deposited & Returned (Outward) Local and Outstation |
Nil charges upto 10 p.m. Thereafter, ₹100/cheque |
Cheques Issued and Returned (Inward): Financial Reasons | ₹500/instance |
ECS returns: Financial Reasons | ₹500/instance |
Other Services | Charges |
---|---|
Balance (Daily/Weekly), Transaction & Value Added Alerts | Nil Charges |
Bank Statement Weekly (Physical),Annual Combined Statement,Balance Statement (Other than 31st March) | Nil Charges |
Standing Instruction - Set-up/ Amendment | Nil Charges |
Account Closure Charges | Nil Charges |
Interest Statement & DD/BC Cancellation & Revalidation | Nil Charges |
Signature Verification Address Confirmation | Nil Charges |
Record retrieval charges & Photo Attestation | Nil Charges |
Confidential Report & Credit Confirmation | Nil Charges |
IMT - Instant Money Transfer ( Cashless Card Withdrawal) | Nil Charges |
Mandate Registration Charges | Nil Charges |
Account Closure Charges (Customer Induced Closure) & IMT ( Cashless Card Withdrawal) | Nil Charges |
Ad- hoc Statements Request at Branch/ Phone Banking | <=365 Days: ₹100 >365 Days: ₹200 |
Ad- hoc Statements Request On Net Banking/ ATM | ₹50 |
Fund Transfer Return: Finance Reason | ₹300 |
Cheque Purchase Charges | ₹0.5/1000/Day |
Travelers Cheque Encashment | 1% of TC Amount |
Stop Payment | ₹100 / request |
Standing Instruction Failure | ₹100 |
TDS Certificate(Duplicate only) | ₹200/request |
Solvency Certificate | ₹10000 |
TOD Charges | ₹500 |
Authorised Dealer Code Letter | ₹500/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 1,00,000 | 1% of the gross amount of currency exchanges 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/- |
Foreign Currency Payments & Collections | |
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection | ₹500 |
TT Transfer: Corr Bank Charges Borne by Beneficiary | ₹250 |
TT Transfer: Corr Bank Charges Not Borne by Beneficiary | ₹1000 |
Cheque Deposited and Returned ~ / Cheque Issued and Returned ~ <> (Financial Reasons) | ₹1000 |
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