Silk Instakit

Welcome to Silk!

Silk is an exclusive banking programme designed for the new age woman with the belief that financial independence is true independence. Silk has been crafted keeping in mind your lifestyle needs and comes with a host of banking privileges, offers and attractive cashback to help you save, invest and spend smartly.


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-rated mobile banking app - Kotak Mobile 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.


Some of the things you can do online are:

  • Transfer funds through IMPS/NEFT/UPI and more
  • Check and monitor your account balance
  • Invest in Kotak Fixed/Recurring Deposit/SIP
  • Pay off your bills: Credit Card, utility, etc.
  • Raise service requests: Cheque book, Forex Card, etc.
  • Book tickets, cab, hotel stays and a lot more!

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.

Silk Savings Account Classic, Pro and Ace customers enjoy unlimited transactions at non-Kotak ATMs.

For Edge and Nova customers, domestic transactions at Non-Kotak ATMs are chargeable beyond 5 transactions, including maximum 3 transactions at Metro ATMs, per month.

Withdrawals Rs. 20
PIN Change, Balance Enquiry & Mini Statement Rs. 8.5

Do maintain the required Average Monthly Balance (AMB) to enjoy hassle-free services On non-maintenance of Average Monthly balance, a fee of 5% of the shortfall will be applicable per month.

Nova Rs. 5,000
Edge Rs 10,000
Edge Rs 10,000
Classic Rs 20,000
Edge Rs 50,000
Enjoy all that your Debit Card offers for an annual fee of Rs. 150
Nil Debit Card charges for Ace, Corporate Salary Ace Accounts and higher variants
Replace your lost/stolen Debit Card for a one-time charge of Rs. 200
Nil IMPS charges for Classic/ Pro & above variant of SA& CA variants
Transfer funds via IMPS at a minimal cost
Up to Rs.1,00,000 Rs. 5
From Rs.1,00,001 to 2,00,000 Rs. 15

Get more with Silk!

The Silk Account is more than just a regular Savings Account. It comes with a host of banking benefits and other privileges handpicked for women.

Your Silk Savings Account comes with several benefits such as:

  • Cash back up to Rs. 4,500 p.a.
  • Special discount** of 35% on Locker Rentals for the 1st year
  • Preferential rates on Home Loans#
  • Get non-maintenance charges waived on My Junior account through linked RD or SIP^
  • 50% off on issuance of the Best Compliments Card

Art in your Wallet !

Silk Platinum Debit card has been designed by the celebrated artist Seema Kohli and comes with a host of benefits curated thoughtfully for you

  • Cashback up to Rs. 4,500^ every year across spends


Cashback and spends Edge/Nova Pro/Classic Ace
Maximum cashback p.a. Rs. 1,200 Rs. 3,000 Rs. 4,500
Maximum cashback p.m. Rs. 100 Rs. 250 Rs. 375
Minimum spends p.m. Rs. 7,500 Rs. 15,000 Rs. 50,000


  • Offers across the following categories:


  • High withdrawal and purchase limits
  • Complimentary insurance services and a lot more.
    Explore now at