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Please note, this is a soft login and no personal financial data will be saved here for security reasons.
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Grand is crafted with utmost care for the golden years of your life. Built with offerings such as priority service at branches, home-banking facilities, cashback up to Rs. 4,500 p.a., discounts on locker rentals, overdraft facilities, health care benefits and more, the Grand Account ensures to make life comfortable as soon as you turn 55 years old.
Enjoy attractive interest rates up to 4%* on your Grand Savings Account and grow your money faster
Cash back up to Rs. 45002 for Grand Savings Account holders
Get up to 50% discount on treatments, consultation and procedures using our Priority Card and Indian Health Organisation (IHO) Card3
Notifications for 15G/H deposition at the quarter beginning and on new FD's booked with our SMS alert services
Convert the balance in your Savings Account above a certain amount into Term Deposits with Kotak ActivMoney and earn additional interest
Enjoy doorstep banking services like cash pick-up and delivery, cheque/draft delivery, etc. at your home using Kotak Bank's Grand Savings Account
What are the benefits and privileges of having a Grand Savings Account?
Enjoy cashback* up to Rs. 4500/- p.a. (as per variant) on your Kotak bank debit card spends. Rewards details are as follows:
Key Features | Edge/Nova | Pro/Classic | Ace |
Maximum Cashback per month | ₹100 | ₹250 | ₹375 |
Maximum cash back in a year | ₹1200 | ₹3000 | ₹4500 |
Minimum spends/month | ₹7500 | ₹15000 | ₹25000 |
* Cashback is subject to meeting of minimum Average Monthly Balance requirement and spends. The spends should be on domestic merchant transactions using Kotak Debit card. Cashback will be credited in the subsequent month. Details of the same will be communicated through email on the registered email id and SMS on the registered number. ATM Cash withdrawals are not eligible for rewards
At Kotak, we care about you and your health. Which is why Kotak Grand Account comes with a free membership of Indian Health Organisation. The various benefits of this membership are as follows: -
^^ Member must call at IHO customer care number to know about the partner list and take appointment.
How to avail this offer – A vHealth member can call at IHO call centre 1800 103 4466 from 8AM to 8PM any day (except national holidays) in order to utilize any service of vHealth (Indian Health Organisation)
For further details, check - https://vhealth.io/terms or contact the IHO call centre @ 011-49394470 / Email: CorporateHelpDesk@IHOMail.com
IHO health card is free for first year and is provided to ACE, PRO and CLASSIC customers only.
Validity- 12 months from the date of issue. Up to two members can be added on the card.
The Bank shall not be responsible for delay or non-delivery of the IHO card or any other services to the customer by IHO. The tie-up with the partner is subject to change.
Check your eligibility for the Grand Savings Account.
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1. Daily balances in Savings Account up to Rs. 1 lakh continue to earn 3.50% p.a. interest. W.e.f. Dec 11, 2020, interest rate of 4% p.a. will be applicable on daily balances in Savings Account over Rs. 1 lakh and up to Rs. 1 crore while interest rate on daily balances in Savings Account above Rs. 1 crore stands revised at 3.50% p.a. These interest rates are applicable for Resident Accounts only.
Example: If End of Day Savings Account balance is Rs. 1,50,000, then Rs. 1,00,000 will earn interest of 3.50% p.a. and Rs. 50,000 (being the balance in excess of Rs. 1,00,000), will earn interest of 4.00% p.a.
2. Applicable maximum cashback for Ace Account holders. if the Average Monthly Balance required is maintained and the Debit Card spends criterion is met.
3. Available for Pro, Classic, Ace customers only
Average Monthly Balance is calculated by dividing the sum of all ‘End of Day’ balances in a month by the number of days in that month.
Average Monthly Balance is calculated by dividing the sume of all ‘End of Day’ balances in a month by the number of days in that month.
Please refer the following illustration for the calculation of AMB.
Sample Bank Statement:
Sr. no. |
Date |
Narration |
Withdrawal |
Deposit |
Closing balance |
1 |
January 1st, 2012 |
Opening Balance |
|
|
Rs. 10,000/- |
2 |
January 10th, 2012 |
ECS Credit-VD |
|
Rs. 10,000/- |
Rs. 20,000/- |
3 |
January 16th, 2012 |
Cash Withdrawal |
Rs. 5,000/- |
|
Rs. 15,000/- |
4 |
January 25th, 2012 |
Cheque Deposit- MICR Clearing |
|
Rs. 20,000/- |
Rs. 35,000/- |
5 |
January 28th, 2012 |
HPCL Petrol Pump POS 43860000000012 |
Rs. 1,000/- |
|
Rs. 34,000/- |
6 |
January 30th, 2012 |
Cash Deposit Mumbai |
|
Rs. 9,000/- |
Rs. 43,000/- |
7 |
January 31st , 2012 |
Funds Transfer |
Rs. 25,000/- |
|
Rs. 18,000/- |
AMB Calculation:
Sr. No. |
Time Period |
Calculation |
Amount (Rs.) |
1 |
EOD Balance from January 1st, 2012 to January 9th, 2012 |
Rs. 10,000/- x 9 |
Rs. 90,000/- |
2 |
EOD Balance from January 10th, 2012 to January 15th, 2012 |
Rs. 20,000/- x 6 |
Rs. 1,20,000/- |
3 |
EOD Balance from January 16th, 2012 to January 24th, 2012 |
Rs. 15,000/- x 9 |
Rs. 1,35,000/- |
4 |
EOD Balance from January 25th, 2012 to January 27th, 2012 |
Rs. 35,000/- x 3 |
Rs. 1,05,000/- |
5 |
EOD Balance from January 28th, 2012 to January 29th, 2012 |
Rs. 34,000/- x 2 |
Rs. 68,000/- |
6 |
EOD Balance for January 30th, 2012 |
Rs. 43,000/- x 1 |
Rs. 43,000/- |
7 |
EOD Balance for January 31st , 2012 |
Rs. 18,000/- x 1 |
Rs. 18,000/- |
|
Total EOD balances for the month January 2012 |
|
Rs. 5,79,000/- |
|
Divide by the no. of days in the month |
|
31 |
|
Average Monthly Balance (AMB) |
|
Rs. 18677.42/- |
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:
To apply for Kotak Mahindra Bank Pro Savings Account, you should belong to anyone of the following categories
Go to Get Help section in Website > Service Request > View All. Select Change of Home Branch Request. User to enter Login credentials and the OTP received. User can change the Home Branch at CRN level (all savings accounts) or at a savings account level.
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