Fees and Charges

Personal
Business
Corporate
Private Banking
Privy League
NRI Services
Investors

Accounts & Deposits
- Savings Account
- Current Accounts
- Privy League
- Salary Accounts
- Other Accounts
  - See All Other Accounts
  - Stocks
- Service Requests
- Deposits
Cards & Prepaid Services
- Credit Cards
- Debit Cards
- Prepaid Services/Spendz
- Credit Card Services
- Other Card Services
- Wearable Payment
  - See All Wearable Payment
Loans
- Personal Loan
- Home Loan
- Business Loan
- Other Loans
- Smart EMI
- Loan Account Services
Investment & Insurance
Payments & Taxes
- Money Transfer / Forex
- Bill Payments & Recharges
- Loan & Card Payment
- Tax Payment
- FAStag
Offers
- Popular Categories
- Offers by Payment Type
- Popular Offers
Service Request
- Update Profile
- Saving and Current Accounts
- Debit and Credit Cards
- Personal Loans
- Home Loans
- Business Loans / Loan Against Property / Payday Loans
  - See All Business Loans / Loan Against Property / Payday Loans
  - Raise a service request

Accounts
- Current Accounts
- Fees and Charges - Current Account
  - See All Fees and Charges - Current Account
- Retail Institutions Account (TASC)
  - See All Retail Institutions Account (TASC)
- Privy League
- Salary2Wealth - Corporate Benefit
  - See All Salary2Wealth - Corporate Benefit
  - Edge Salary Account
- Government Business
- Connected Banking
  - See All Connected Banking
Loans
- Business Loan
- Working Capital
- Other Loans
Payment & Tax Solutions
- Payment Solutions
- Money Transfer
- Bill payments/Recharges
- Loan/Card Payment
- Tax Payment
Trade Services
- Domestic
  - See All Domestic
- International - Exports
  - See All International - Exports
- International - Imports
  - See All International - Imports
- Bank Guarantee
  - See All Bank Guarantee
- Letter of Credit
  - See All Letter of Credit
- Export Credit
  - See All Export Credit
- Import credit
  - See All Import credit
Offers Beyond Banking
- Business Management & Marketing
  - See All Business Management & Marketing
- ERP & Accounting
  - See All ERP & Accounting
- Logistics
  - See All Logistics
- Human Resource
  - See All Human Resource
- Business Travel
  - See All Business Travel
- Co-working Space
  - See All Co-working Space
- Taxation & Legal
  - See All Taxation & Legal
- Healthcare Solutions
  - See All Healthcare Solutions
- Industry Insights
  - See All Industry Insights

Explore Products
- Cash Management Services
- Trade & Supply Chain Finance
- Trade Service
Sector Expertise
Accounts

About Us
- Kotak Private Banking
  - See All Kotak Private Banking
- Kotak Private
  - Learn more
- Awards & Accolades
  - See All Awards & Accolades
Our Offerings
- Investment Management
  - See All Investment Management
- Banking Solutions
  - See All Banking Solutions

Privy League
Overview
Privy League
Programmes
- Customized Programmes
Privy
Offerings

NRI Accounts & Deposits
- Savings Account
  - See All Savings Account
- Current Account
  - See All Current Account
- Deposits
  - See All Deposits
- Structured Products
  - See All Structured Products
- Special Products
  - See All Special Products
NRI Money Transfer
- Wire Transfer
  - See All Wire Transfer
- Remittances from Exchange House
  - See All Remittances from Exchange House
- Foreign Currency Cheques
  - See All Foreign Currency Cheques
NRI Loans
- NRI Home Loan
  - See All NRI Home Loan
- NRI Home Improvement Loan
  - See All NRI Home Improvement Loan
NRI Cards
- Credit Cards
  - See All Credit Cards
- Debit Cards
  - See All Debit Cards
- Prepaid Cards
  - See All Prepaid Cards
- Debit Card Services
  - See All Debit Card Services
- Credit Card Services
  - See All Credit Card Services
NRI Investment & Insurance
- Life Insurance
  - See All Life Insurance
- Mutual Funds
  - See All Mutual Funds
- National Pension System (NPS)
  - See All National Pension System (NPS)
- Portfolio Investment Schemes
  - See All Portfolio Investment Schemes
- Demat Account
  - See All Demat Account
NRI Privy League

Overview
Financials
Governance
Shareholding &
Investor Info
Sustainability
Investor updates
- Tech@Kotak
  - See All Tech@Kotak
- Kotak811 Events
  - See All Kotak811 Events
Disclosures
Regulation 46 and 62
IEPF

Products

Popular Products

Credit Cards

Personal Loan

Savings Account

Home Loan

Current Account

Business Loan

Mutual Fund

NPS

Tax

Fixed Deposit

Help

Quick Help

Locate us

Report Fraud / Raise Dispute

Frequently Asked Questions

Accounts

Payments

Credit Card

Kotak 811

My Profile

Loans

Digital Banking

Deposits

Investments

Insurance

Working Capital

Get App

For Kotak Bank Customers

Kotak Mobile Banking App

Open Savings Account

For Kotak811 Customers

Kotak811 Mobile Banking App

Open Kotak811 Account

Fees and Charges

Fee & other Parameters	Zen
Joining Fees	₹1500
Annual Fees	₹1500
Condition for waiver of Joining Fees	NA
Condition for waiver of Annual Fees - First Year	Annual retail Spends of ₹1,50,000
Condition for waiver of Annual Fees - Second Year	Annual retail Spends of ₹1,50,000
Add-on card Fees	₹0
Interest Charges on outstanding Balances	3.5% (Annualized 42%)
Interest Charges on outstanding Balances	3.5% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance	2.5% on advance amount , subject to minimum of ₹500
Late Payment Charges ("LPC")	Outstanding Balance	LPC Charges
	<₹100	0.0
	₹100-₹500	₹100
	₹501-₹1000	₹500
	₹1001-₹5,000	₹500
	₹5,001-₹10,000	₹600
	₹10,001-₹25,000	₹800
	₹25,001-₹50,000	₹1000
	>₹50,000	₹1200
Over Limit Charge	₹500
Cheque Bounce Charges	2.0% on bounce amount, subject to minimum of ₹500
Standing Instruction Failure / Auto-debit return fee	2.0% on bounce amount, subject to minimum of ₹450
Foreign Currency Mark Up	0.035
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	100.0
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issuance)	₹100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived