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Open your Online Current Account with ease and enjoy a hassle-free banking experience


No non-maintenance charge

Enjoy a worry-free banking experience with no non-maintenance charges and pay as per your usage



Earn FD-like interest up to 7%* p.a. on the idle funds in your Kotak online Current Account


Download and accept payments easily using free QR, UPI, Tap on Phone and online payment links

Tax Payment

Tax Payment

Easy and convenient tax payment solutions for your business

Kotak Online Current Account

Power-packed features for your business


Introducing Kotak Online Current Account, where ease, convenience, and hassle-free banking converge. Our innovative and customised solutions make managing your business more convenient than ever. Take your business to the next level and discover the limitless possibilities with Kotak Online Current Account. Go on, open your Current Account digitally and get your account number smoothly through video KYC.



Accelerate your business growth with the following features on your Online Current Account.

  • No non-maintenance charges - Enjoy a worry-free banking experience with no Non-Maintenance Charges and pay as per your usage
  • Free 5 transactions per month at the branch for RTGS/NEFT
  • Free RTGS/NEFT payment online through Net Banking and Mobile Banking
  • Free cash withdrawal across all branches
  • Free 24x7 Net Banking, Mobile Banking, Phone Banking, and SMS Banking
  • Free transaction alerts through email
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Additional Privileges


  • Earn FD like interest up to 7%* p.a. on the idle funds in your Current Account with ActivMoney.



  • Avail of multiple digital collection options and add convenience to your business with, QR, Tap on Phone, SMS Pay and more.
  • Easy collection solution for conveniently reconciling receivables received through RTGS / NEFT/ IMPS.



  • Simple and secure fund transfer through bulk upload with Maker-Checker facility.


Lending Solutions

  • A wide range of collateral-free, customised Business Financing Solutions that empower you to grow your business and get maximum advantage on your Current Account.


Offers Beyond Banking

  • Special offers across different categories to help you manage the nitty-gritty of your business.

Offers Beyond Banking for your business

*For deposits above 7 days. T&C apply. For detailed terms and conditions, please visit ActivMoney (Auto-Sweep) is a facility of automatically sweeping out funds above a pre-specified threshold from your Current Account to a Term Deposit (TD) Account for 180 days. In case of insufficient balance in the Current Account, the TD will be broken prematurely and the required amount will be transferred to the Current Account. Default Sweep Out and Sweep In for limit for an account variant are the minimum thresholds and one will not be able to opt for limits lower than these. Auto-Sweep out of funds above a pre-specified threshold from Current Account to Fixed Deposit will be for 180 days (For NRE accounts it will be for 1 year) and in multiples of Rs. 5,000/- The nomination registered for Current Account will apply for FDs created through ActivMoney. If the customer opts for ActivMoney in an account, standalone Fixed Deposits cannot be linked to that account. Terms and Conditions guiding the fixed deposit will be applicable to Fixed Deposits booked under ActivMoney. Bank may at its absolute discretion discontinue/suspend any of the services completely or partially with or without any notice to the customer. The rate mentioned is applicable for Fixed Deposits less than Rs. 2 Crores for a tenure of 180 days and is subject to change without prior notice. For ActivMoney (2 way sweep deposits), Regular Kotak Fixed Deposit rates will be applicable, basis the tenor of the deposit, for all customers including Senior Citizens/Bank Staff without any pre-payment penalty.