Hey there!
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.
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:
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 |
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:
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 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 |
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