Platina Instakit


Your savings Account has been designed to make banking convenient for you. It offers a high rate of interest on savings, online investment options, access to premium experiences and more services suited to your lifestyle.


Get started digitally!

Bank on your device anytime, anywhere! Explore 100+ features available to you on Kotak Net Banking & the Mobile Banking App

Mobile Banking: You only need your Customer Relationship Number (CRN) & Debit Card details to get started with Mobile Banking.

1. Download the App
2. Enter your CRN*
3. Authenticate using your CVV and Debit Card PIN
4. Set a 6-digit MPIN
5. Enter the activation code sent to your registered mobile number & you are all set!

* Your CRN is also printed at the bottom of your Debit Card.

From investing to transferring funds, you can do so much with the best-rates mobile banking app- Kotak Mobile Banking App

Net Banking: Set up Net Banking using your CRN number & Debit Card details:

1. Go to NetBanking
2. Click on ‘Register for Net Banking’ under New User
3. Enter your CRN*
4. Verify your personal details
5. Set password using your CVV and Debit Card PIN

Net Banking is a secure way to carry out all your financial and non-financial transactions like Fund Transfer, Credit Card payment, Term Deposits, PIN requests, Cheque book requests, etc.


3 ways to activate your Debit Card for international spends!

1. Net Banking:

1. Go to Debit Card section
2. Select Activate International Usage

2. Mobile Banking:

1. Go to Service Request > Debit Card Service Requests
2. Select Activate Debit Card for International Usage

3. Send an SMS from your registered mobile number:

SMS <DCENB xxxx (last four digits of your Debit Card number) > to 5676788 OR 9971056767


Key fees & charges

Your account type has been shared with you via SMS and e-mail. Please refer to fees and charges only for your account type.

Ace/Pro Savings Account

Do maintain the required Average Monthly Balance (AMB) to enjoy hassle-free service

Ace Savings Account Rs. 50,000
Pro Savings Account Rs. 20,000

On non- maintenance of Average Monthly balance, a fee of 5% of the shortfall will be applicable per month.

Take advantages of free unlimited domestic ATM transactions at Kotak and Non-Kotak ATMs.

Also enjoy higher cash withdrawal & purchase limits

Avail of all that your Debit Card offers for an annual fee Ace Free
Pro : Nil charges for 1st year, thereafter Rs. 250 p.a
Replace your lost/stolen Debit Card for a one-time charge of Rs.200

Ace/Pro Savings Account

Transfer funds via RTGS, NEFT or IMPS at nil charges  
Up to Rs. 1,00,000 Free
From Rs. 1,00,001 to 2,00,000 Free

Platina Salary Account

A world of privileges open up for you with a Corporate Salary Account! You don’t have to worry about maintaining a minimum balance as long as you continue to receive salary from a company that has a corporate salary relationship with us

If salary is not sighted for 2 consecutive months and required AMB is not maintained, a fee of 5% of the shortfall in AMB will be applicant per month

The General Schedule of Features and Charges (GSFC) is included in your Kit and will help you get a better understanding of all the fees and charges associated with your account

Do more

Expplore service you can enjoy with your new Kotak Account

UPI: Transfer money 24/7, instantly and securely without any bank details using UPI.

1. Open Kotak Mobile Banking App
2. Click on Pay & transfer tab to get started
3. Create your Virtual Payment Address (VPA) eg: Myname@Kotak
4. Enter Sender/ Receiver UPI ID eg. Friend@BankName

Transfer Funds:Transfer funds instantly, with or without adding a beneficiary, via NEFT, RTGS or IMPS

1. Open Kotak Mobile/ Net Banking
2. Click Transfer Funds tab to get started

Bill Pay: Pay bills, recharge plans and more anytime, anywhere using Bill Pay. Set up ‘AutoPay’ facility for automatic payment of bills every billing cycle.

1. Open Kotak Mobile/ Net Banking
2. Click on the ‘BillPay’ tab to get started

We’ve got you covered!

Your new Kotak Account comes with more than you know.





Some of the service we offer

  • Fixed Deposits
  • Demat accounts
  • Loans
  • NRI services
  • Mutual Funds
  • Insurance