Experience the all-new Kotak Netbanking
Simpler, smarter & more intuitive than ever before
Popular Products
Show More
Quick Help
Show More
Frequently Asked Questions
Show More
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Micro ATM is a mini version of an ATM. Micro ATMs are like modified point of sales terminals this terminal can connect to banking network via GPRS to perform banking transactions. This machine contains card swipe facility. This initiative aims to bridge the gap between the need and availability of cash requirement in the eco-system.
OTP is a numeric or alphanumeric code a customer receives on their registered mobile number or email address to authenticate a credit card transaction.
Yes, you can add a credit card to Google Pay using the following steps:
● Open the Google Pay app on your smartphone.
● Click “Add a card/bank account”.
● Enter your Kotak credit card details.
● Provide OTP.
You can open a Kotak UNI Student Bank Account digitally, from anywhere, thanks to the Video KYC feature. It involves getting on a video call with a Kotak bank executive to complete your KYC process, essentially ruling out a visit to a Kotak bank branch completely.
Yes, a senior citizen can open Grand - Savings Account which is only applicable for Indian residents of age 55 years and above.
Through this facility you can earn a much higher interest on your idle funds in the Savings Bank Account.
The idle funds from your savings account (at a pre-specified threshold limit) are transferred automatically to a term Deposit. The funds move back in to the savings account in case of funds requirements.
The advantages of this facility are:
Yes, you need to consider inflation when you use a retirement calculator because it gives you a realistic estimate of the retirement corpus required. Inflation reduces the purchasing power of money over time, and including it in your nest egg calculation is crucial. You can use a retirement calculator with inflation-specific input requirements to obtain clear and accurate estimates.
Yes. We offer preferential interest rate, faster processing & doorstep service to existing bank customers while taking our business loan.
Yes. We offer preferential interest rate, faster processing & doorstep service to existing bank customers while taking our business loan.
Kotak 811 is a new age bank account offered by Kotak Mahindra Bank.
A. Credit card companies and banks charge higher fees to recover the cost of lending money to customers. But, they urge merchants not to pass credit card swipe charges to customers and instead bear it themselves. In some places, merchants can charge customers an extra fee for using credit or debit cards to cover the processing costs.
A minimum credit score of 650 is required when applying for a credit card, however, 750 is considered to be the ideal CIBIL Score. For a credit score below 650, credit card issuing banks could reject your credit card application. Even at a credit score of 650 the issuing banks and financial institutions may not offer you their best credit card deals, but you will be eligible to apply for one.
India’s CBDC also known as Digital Rupee (e₹) is a digital form of physical currency denomination issued by the Reserve Bank of India.
A loan taken against your gold jewelry is known as a gold loan. When you hand over your gold to the bank in return for a specific amount, it is classified as a gold loan. It is a quick and straightforward process to obtain funds against your gold with minimal documentation.
No, a person can either have a Resident saving account or Non-Resident accounts (NRE /NRO)
Below are the major exclusions which are not covered under this policy and thus are ineligible for a claim:
1. Dishonest or Improper Conduct
2. Bodily Injury
3. Property Damage
4. Any activities carried out for business or professional purposes
5. Intellectual Property and Trade Secrets
6. Prior Acts
7. Any loss or damage caused by the order of any government authority.
8. War
9. Terrorism, including cyber terrorism.
10. Government Authority
11. Non-Fiat Currency
12. Outage/ Disturbance Loss
13. Illegal Use of Data
14. Unauthorised Collection of Data
15. Prior Notification
16. Insolvency
17. Immoral/Obscene Services
Kindly refer to Policy wording document for a detailed list of exclusions.
Debit Card EMI is the program offering EMI schemes to Kotak Bank customers who shop with their Debit Cards. Bank provides pre-approved limits to customers based on their relationship with the Bank and based on the Bank’s credit policies. Customers who enjoy pre-approved limit from the Bank can avail No Cost EMI and regular EMI by transacting with their Kotak bank Debit Card in selected stores.
Eligibility criteria:
The claim under Personal Accident Insurance shall be payable only if the Kotak Rupay Platinum Debit card holder has carried out at least one transaction i.e. at a Merchant Establishment/ATM /ecommerce /Micro ATM/Business Correspondent of the bank at locations, within 90 days for RuPay Classic card prior to the date of accident including accident date. The Personal Accident Insurance (Death and Permanent Total Disability) would be an Open policy for any kind of accident leading to death or disability.
The Forex Card is a Chip based pre-paid card introduced in association with Visa. It is the first card to offer you the option of loading up to 15 currencies in a single card in a convenient and secure way.
This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates.
It can be used at all VISA ATMs and merchant establishments accepting VISA Cards worldwide except for a few countries which are listed in FAQ (2)
You can choose to pay your Credit Card dues using the following options:
WebPay, Mobile Banking, Net Banking, Auto Debit,/NACH, Cheque or Cash Payment at Kotak Bank Branches.
Refer the modes of payment section for more information on Credit Card Payments.
You can check your International enabled status as below:
If your card is not ON, you can enable it by switching it ‘On’
Alternatively, you can also enable your International payments by visiting Kotak Net Banking page. Simply follow the steps mentioned in the “How to enable” section.
Kona Kona Cricket is a platform that allows anyone to support their favourite team, participate in cricket trivia quizzes to earn reward points. Anyone who has a MyTeam card will also be able to earn points for the transactions that they do on their MyTeam cards.
The personal loan eligibility calculator is an online tool that helps you estimate the maximum loan amount you can receive based on your eligibility parameters.
There are no limits on the number of accounts that can be opened or linked to a Current Account.
kotak.biz is an easy-to-use payment collection app offering multiple digital collection methods to merchants, such as:
You can get onboarded on the kotak.biz app easily through instant activation and zero paperwork journey.
Bill payments available on Kotak BillPay are for the following categories:
Kotak Mid-Month Advance is available to pre-approved existing Kotak customers. You can apply for a Kotak Mid-Month Advance immediately by logging into the Kotak Mobile Banking app or Net Banking.
Registration is simple!
Note: The Kotak Developer Connect Portal does not permit registration of duplicate organization names. As a result, after the first developer from an organization has registered an account with the portal, subsequent developers from that same organization require an invitation to be registered.
Registering as a new Developer (also becomes the organisation admin).
Your LAP eligibility depends on your current and future prospects, both financially as well as physically. Lenders tend to issue loans to those who are most likely to repay them successfully.
How do they assess this?
Your credit score, previous debts, income proof, and work record: all of these are helpful documents deemed necessary during the loan assessment.
Virtual credit cards are generally a free of cost service that the banks offer their customers.
A. The easiest way to pay rent is using credit cards. In this nothing is debited from your bank account. Instead the money is paid via the available line of credit. Rent payment through credit card is easy and just a few clicks away when it is linked to your UPI enabled app. Now you know how to pay rent through credit card.
FASTag is a device that uses Radio Frequency Identification (RFID) technology for making toll payments directly from a prepaid account linked to it. It is affixed on the windscreen of a vehicle. It enables user to drive through toll plazas without stopping for cash transactions. FASTag has a validity of 5 years and needs to be Recharged / Top-up as per transaction requirement.
Sweep out threshold limit is an upper limit defined in the account above which balance is transferred to auto Fixed deposit which is linked to current/savings account
kotak.biz is a one-stop payment acceptance solution designed specifically for business owners.
It is available for Android applications through which you can accept digital payments in your store, at the customer’s place and online.
A fuel credit card is a credit card that is specifically designed to benefit customers when used at Fuel Pumps. These credit cards typically offer rewards and incentives for fuel purchases, such as Reward Points, Cashback, etc.
With a fuel credit card, you can use it to purchase petrol, diesel, etc. or other fuels at participating fuel stations. You can also use it for other spends like dining, groceries etc. depending on the features of the card.
Kotak Rewards is a Rewards programme wherein you get rewards based on the Spends done in a calendar month. You can then redeem these rewards across various categories by visiting Kotak Rewards portal www.kotakrewards.com. Kotak Rewards is currently only for savings accounts customers opened with Promo codes Silk/Alpha/Grand.
To activate wearable payment device for in-store payments, please enable contactless feature following below steps:
Step 1: Login to Kotak Mobile Banking App or Net Banking.
Step 2: Cards à Debit Card--> Card controls--> Select Wearable Payment Device --> Enable card status --> Enable “Contactless” payments in Domestic controls --> Confirm
Pin is required for transaction above Rs 5,000/-. Pls refer below FAQ to set pin.
*In case of Smart Vital Plus, you can activate your health subscription by registering on GOQii App using activation voucher (sent in the Smart Vital Plus Box) and mobile number registered with the bank.
You can apply for Nova savings account online as well as by visiting our nearest branch. Nova/Classic Savings Account is available in Semi-urban/rural branches only. Click on the following link to apply online : https://kapps.kotak.com/kotakXpress/xpress/xpress-home.action?pid=NOV
Effective June 18, 2025, daily balances in Savings Account across all account balances will earn 2.75% interest p.a. These interest rates are applicable for both Resident and Non Resident Accounts (NRE/ NRO)
The Edge savings account allows you to enjoy unlimited withdrawls in our ATMs. However there are upto 5 free transactions per month in other bank's ATMs.
Everyday savings account is a one of a kind savings account where you can save while you spend with every day deals on popular brands. Just do 30 transactions in a month and enjoy freedom from monthly balance maintenance
The Kotak Mahindra Classics Savings Account gives you the benefit of great features, that too at a comfortable balance requirement, so you can enjoy a banking experience that is truly exceptional. Classic Savings Account is available in Semi-urban/rural branches only.
The Ace Savings Account is exclusively designed to give you additional advantages and banking benefits, all without any extra premium. This means, you can get the most out of your banking experience with this one, power-packed savings account.
A savings account in India is a type of account that you open with a bank.
For opening an Individual Current Account online, you should have your Aadhaar card and original PAN card handy. Also, the Aadhaar-linked mobile number must be with you. After submitting the Personal details, the Customer Relationship Number and the Account Number of the individual will be generated. If you need any assistance during the journey, you can tap the 'chat with us' icon and a representative will be assigned to guide you.
The key documents required for availing a personal loan from Kotak Mahindra Bank are as follows -
A Home Loan interest rate is the amount of money (calculated as a percentage) borrowers pay back on top of the principal amount they take through a loan. These rates, also called housing loan interest rates, are charged by financial institutions and determine the actual cost of a home loan. Interest rates on home loans are usually linked to repo rate and can vary from one institution to another.
Home loan EMI is a systematic and easy approach towards home loan repayment. EMI stands for equated monthly installment, which includes principal amount, and the interest payable divided through the tenure chosen. Home loan borrower has to make the repayment of the loan each month in the form of home loan EMI.
JioPay is a mobile based payment application available only on Jio Phones that you can use for payments at any contactless merchant terminal. Customer can enroll Kotak VISA Credit/Debit Cards on Jio Phone to make transactions.
Subscription/Recurring Payment is a payment method under RBI’s e-mandate guideline, where you register your Kotak Bank Credit/Debit card on a merchant’s app/website. Once registered, your payments get automatically debited at pre-defined intervals.
Kotak Mahindra Bank provides one of the lowest mortgage interest rates. The interest rate mainly depends on the nature of employment. For salaried individuals/ self-employed borrowers, the loan against property interest rate starts from 9.50%.
It's a financial service by Kotak Mahindra Bank where you can secure up to ₹1 Lakh as a personal loan with your Aadhaar Card as the primary identification.
Using Kotak Mahindra Bank’s Personal Loan EMI Calculator, you can calculate the monthly EMIs with ease. Enter the following details to know your EMI:
Interest Rate
This card will have an Annual charge of ₹499 + Taxes. Replacement charges for the card are ₹200 + Taxes
Our home loan tax benefit calculator is one of the most suited tools for the job. By providing us with the basic information of your home loan application, it can calculate your tax implications accurately.
Your EMI is dependent mainly on three factors: loan amount, tenure and rate of interest. You can calculate the EMI yourself, or use Kotak Mahindra Bank’s personal loan EMI calculator.
Under the Liberalised Remittance Scheme (LRS), all resident individuals (as defined under FEMA 1999), including minors, are allowed to freely remit up to USD 2,50,000 per financial year (April – March) for any permissible current or capital account transaction or a combination of both.
It is mandatory for the resident individual to provide his/her Permanent Account Number (PAN) for all transactions under LRS.
JioPay credit card is a type of credit card that allows you to make bill payments and recharges at any online or offline merchant counter. Ample credit limits, competitive interest rates, easy application, and ease of use are some features that make it different from traditional credit cards.
In India, purchasers of under-construction properties, such as flats, apartments, and bungalows, must pay a GST on flat purchase.
Yes, you can get a refund on cancelling the e-stamp certificate in Karnataka.
Is it possible to claim tax benefits for stamp duty and registration charges in Karnataka?
Yes, you can claim tax benefits on the stamp duty and registration charges under Section 80C of the Income Tax Act.
Yes, you can claim a tax deduction of stamp duty and registration fee under section 80C of the Income Tax Act up to Rs 1.5 lakh.
When applying for an ITR loan, form 16 for home loan is issued by a reputable employer like a listed company, government department, or established organisation, assures lenders of an applicant's genuine income and income stream's continuity.
The PF withdrawal for plot purchase is subjected to specific limitations under the EPF Scheme.
To ensure fair distribution of land, eliminate landlessness, encourage rural development, and improve the standard of living of the people of West Bengal.
So, what is margin money in loan? When you provide the margin money in loan, the lender will give you a receipt for the contributed amount.
For residential properties that do not fall
under the affordable housing category, the GST on loan interest India for purchasing
a flat will be 5%, and input tax credit (ITC) will not be applicable. If flat
owners pay a minimum of Rs. 7,500 towards maintenance fees, they must pay 18%
GST.
Samsung Pay is secure and easy-to-use mobile payment service which can be used to make purchases nearly everywhere.
You can use Kotak Mahindra Bank’s personal loan EMI calculator to calculate your applicable EMI. Just add the necessary details like loan amount, tenure and interest rate, and your EMI will be automatically displayed.
Your zero balance digital savings account does not require you to carry a passbook. You can check all your transactions online on the Kotak811 Mobile Banking App.
If you wish to have a statement of your transactions for documentation purposes, you can place a request on the Kotak Mobile Banking App and receive your statement on your registered email ID.
If you still prefer a Passbook, you can apply for it online and get it be delivered to your preferred communication address as per Bank records in 7-10 working days. Please note, only Full KYC account holders can request for a passbook. This process is applicable only for customers applying for a passbook for the first time. For second passbook onwards, please visit your nearest bank branch.
To apply for a passbook, Click Here
Kotak 811 is a new age bank account offered by Kotak Mahindra Bank.
No, Solitaire Business is only available by invitation. Eligible existing customers will receive an invitation and can upgrade by submitting a consent and upgrade form.
Kotak Spendz is a prepaid offering for your small, daily expenses. It is specially designed to help track your day to day expenses separately, making it easier to manage budget and avoid overspending.
A Current Account is a special type of an account that facilitates a higher number of transactions for businesses to run their daily operations seamlessly.
Opening a Neo Current Account, a low minimum balance Current Account is a simple and straightforward process.
The Startup Premium Current Account is a specialised business banking solution for Startups.
A Top-Up Loan is an additional option for individuals with an existing Personal Loan. It allows borrowers to access extra funds on their current loan amount.
Click on the SEBI link to check the list of handles, apps & banks enabled for UPI transactions for IPO.
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.
Indigo Credit Card is a Co-Brand Credit card in partnership with the IndiGo Airlines. Be it a business meeting or a family vacation, The Kotak IndiGo Ka-ching 6E Rewards Credit Card has you covered. Make all your spends rewarding!
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum.
In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Personal loan interest rate at Kotak Mahindra Bank starts at as less as 10.99% per annum. In some cases, however, it can be charged at 10.99% per annum. For Kotak bank account holders attractive benefits, discounts and offers are available on personal loan. Furthermore, if the applicant already has another personal loan with a different bank, they can opt for a personal loan balance transfer to avail lower rates of interest with Kotak Bank and consolidate their debts.
Yes, you should pay your credit card bill in full. If you make a part payment, you will incur interest charges on the outstanding amount.
क्रेडिट कार्ड से खरीददारी की सुविधा, वित्तीय लेन-देन की सुविधा, बिना ब्याज की ईएमआई , खास छूट और बेहतरीन ऑफर्स देता है साथ ही आपकी क्रेडिट स्कोर को बढ़ाने का भी मौका देता है
For borrowing a home loan from Kotak Mahindra Bank the home loan documents list is:
Help Center
Locate us
