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You can check the description given in your bank statement for the transaction;

the description may start with:

(1) ATW - is for ATM withdrawal done from Kotak ATM machine.

(2) ATL - is for ATM withdrawal done from other bank ATM machine.

(3) OS - is for online shopping transaction done by using Net banking payment gateway from merchant web site.

(4) IB - is for transaction done post logging into net banking on the Kotak website.

(5) MB - is for transaction done post login on Mobile banking.

(6) Int. Pd. - Is for Interest credited on your savings account balance.

(7) PCD - is for debit card Swipe/ Pos transaction.

(8) PB - is for transaction done through Phone Banking (on call).

(9) Sweep transfer to - is for booking new Term Deposit.

(10) Sweep transfer from - Is from broken existing Term Deposit.

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