What is the interest rate for Pro Savings accounts?

Effective July 9th, 2025, daily balances in Savings Account across all account balances will earn 2.50% interest p.a. These interest rates are applicable for both Resident and Non Resident Accounts (NRE/ NRO)

Does the Pro Savings Account offer any special features or benefits?

With the Pro Savings Account, you can avail premium banking services and a plethora of benefits, all at a much lower Average Monthly Balance of Rs.20,000. You can enjoy Free access to all domestic VISA ATMs, Free cash withdrawals at other domestic ATMs, Free Home Banking Facility, Free Demand Drafts, Free NEFT through Netbanking etc.

Is there a limit to the number of transactions I can make with my Pro Savings account?

There is no limit to the number of withdrawls either from our ATMs or any other domestic ATMs. However for cash transaction (deposit / withdrawl) at Branch or Cash Deposit Machine, there are Nil Charges upto 5 transactions or 3 lac / month whichever is earlier. Post these limits, charged at Rs.4.5 / 1000 (Minimum Rs.150)

Pro Savings Account Features - Kotak Mahindra Bank

Pro Savings Account

With the Pro Savings Account, you can avail premium banking services and a plethora of benefits, all at a much lower Average Monthly Balance. So if you’re interested in making the most of banking benefits, while enjoying unmatched free services, this savings account is the one for you. With ease in eligibility criteria, it is very easy to open this savings account.

Monthly Balance

Average Monthly Balance (AMB)
of Rs. 20,000/-

Attractive Interest Rates

Earn FD like interest in your Savings Account with ActivMoney, click here to know more

Free Cash Withdrawals

Free access to all domestic VISA ATMs, Free cash withdrawals at our ATM Branches across India

Free Platinum International Chip Debit Card( for 1st Year)

Make your everyday payments with ease using Platinum International Debit Card. For further information, please click

Digital Banking

Free Net Banking,
Mobile Banking and
Phone Banking

Eligibility Criteria

To apply for Kotak Mahindra Bank Pro Savings Account, you should belong to any one of the below mentioned categories:

Resident Indian (Sole or Joint Account)
Hindu Undivided Families
Foreign Nationals Residing in India¹

Know the fees and charges for the Pro Savings Account.
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Disclaimer

¹ Foreign nationals (resident in India), should obtain an undertaking in form QA 22 duly signed by all the persons (irrespective of nationality) who are authorised to operate on the accounts. Fresh declarations will be necessary in the event of any addition to the list of persons authorised to operate on the accounts. Form QA 22 need not be completed by foreign nationals of non-Indian origin permanently resident in India and foreign nationals of Indian origin (other than those who are residing in India for employment of specified duration irrespective of the length thereof or for a specific job or assignment, the duration of which does not exceed three years) and foreign-born wives of Indian nationals and of persons of Indian origin resident in India.

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Be ready with following documents while opening this account

Sr. No.	Name of the Document (valid)	Identity Proof	Address Proof
1	Passport	Yes	Yes
2	Driving Licence	Yes	Yes
3	Aadhaar (Post e-KYC authentication by Bank)	Yes	Yes
4	Voter Id	Yes	Yes
5	Job Card issued by NREGA	Yes	Yes
6	Letter issued by National Population Register	Yes	Yes

Explore more savings account options that best suit your needs.

Pro Savings Account