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Experience the simplicity of managing your finances generated in India and the convenience of banking from any corner of the world.
Preferential pricing on a host of products and services
Dedicated relationship manager across branches in India
Average Quarterly Balance (AQB) requirement of Rs. 1,00,000 only
Higher yield post tax by availing DTAA benefits
NRI’s – Non-Resident Indians
PIOs – Persons of Indian Origin
* Citizens of Bangladesh and Pakistan do not qualify as PIOs even if they satisfy the above conditions
Documentation for Non Resident Indian, while submitting the account opening form / documents at Kotak Bank Branches in India:
Documentation for Non Resident Indian, while sending the account opening from / documents overseas:
The above documents mentioned under a, b and c needs to be attested by:
Notes:
Documentation for Person of Indian Origin (PIO), while submitting the account opening form / documents at Kotak Bank Branches in India:-
Documentation for Person of Indian Origin (PIO), while sending the account opening from / documents overseas:-
The above documents mentioned under a, b, c and d needs to be attested by:
Documentation for Seafarer employed with foreign vessels, while submitting the documents at Kotak Bank Branches in India:-
All KYC documents provided to be mandatorily self-attested, except on furnishing original documents / certificates.
| Particulars | Standard Charges | NRE / NRO Savings A/c | NRE / NRO PINS# A/c | NRE / NRO Current A/c | NR Platina NRE / NRO |
|---|---|---|---|---|---|
| Average Quarterly Balance (AQB) | NA | 10000 | Nil | 25000 | 100000 |
| REMITTANCE | Not allowed for non-broker third party transactions | ||||
| DD at Branch Location / Pay Order | 2.5 per 1000 (Min 50 Max 10000) | Nil up to 100k per day | Nil up to 100k per day | Nil up to 100k per day | Nil up to 100k per day |
| DD at other than Branch Location | 2.5 per 1000 (Min 50 Max 10000) | Nil up to 50K per day | Nil up to 50K per day | Nil up to 50K per day | Nil up to 100K per day |
| FCY DD^^ | 500 | * | * | * | * |
| FCY TT-Corr. Bank Charges borne by beneficiary^^ | 250 | * | * | * | * |
| FCY TT-Corr. Bank Charges not borne by beneficiary^^ | 1000 | * | * | * | * |
| DD / PO / BC Revalidation / Cancellation - INR | 100 | * | * | * | * |
| DD / PO / BC Revalidation / Cancellation - FCY^^ | 500 | * | * | * | * |
| Fund Transfer | Nil | Nil | Nil | Nil | Nil |
| NEFT (Per Transaction)** | Up to 10,000 : Rs.2.5 10,001-1,00,000 : Rs.5 1,00,001-2,00,000 : Rs.15 Above 2,00,000 : Rs.25 |
Thu Net - Nil Thru Branch - Std charges | Thu Net - Nil Thru Branch - Std charges | Thu Net - Nil Thru Branch - Std charges | Nil |
| RTGS (Per Transaction) | 200000 to 500000 : 25; > 500000 : 50 | * | * | * | * |
| COLLECTION | |||||
| Local Clearing Cheque | Nil | Nil | Nil | Nil | Nil |
| Outstation Cheque Collection Charges - Branch Location (Per Instrument) | Cheques drawn on Non-Speed Clearing Locations: Instrument value up to. 500 - Nil; > 500 to 5,000 = 20; > 5,000 to 10,000 = 35; > 10,000 to 1,00,000 = 85; > 1,00,000 = Nil Cheques drawn on Speed Clearing Branches (Irrespective of any value) : Nil 10001 to 100000 : 100; 100001 & above : 150 | Nil | Nil | Nil | Nil |
| Outstation Cheque Collection Charges - Other than Branch Location (Per Instrument) | Cheques drawn on Non-Speed Clearing Locations: Instrument value up to. 500 - Nil; > 500 to 5,000 = 20; > 5,000 to 10,000 = 35; > 10,000 to 1,00,000 = 85; > 1,00,000 = Nil Cheques drawn on Speed Clearing Branches (Irrespective of any value) : Nil | * | * | * | * |
| TC Encashment^^ | 0.3% of TC Amount (Min 50) | * | * | * | Nil |
| FCY Cheque Collection^^ | 500.0 | * | * | * | * |
| ANY BRANCH BANKING CHARGES | |||||
| Cash Deposit at Home / Non Home Location | 3.5 per 1000 (Min Rs. 100) | Nil up to 5 txn per month Or Rs. 10 lac per month. | Nil up to 5 txn per month Or Rs. 10 lac per month. | Nil up toRs. 10 lac per month. | Nil up to 1 txn per month Or Rs. 15 lac per month. |
| Cash Withdrawal at Home Location | Nil | Nil | Nil | Nil | Nil |
| Cash Withdrawal at Non-Home Location | 3.5 per 1000 (Min Rs. 100) | Nil | Nil | Nil | Nil |
| CHEQUE RELATED CHARGES | |||||
| At-par Cheque Book Charges | 1.5 per cheque leaf | Nil | Nil | Nil | Nil |
| Non At-par Cheque Book Charges | 1.5 per cheque leaf | Nil | Nil | Nil | NA |
| Cheque Issued & Returned (Financial Reason) | 350 for first return in a month thereafter 750 for each additional return in the same month | * | * | * | |
| Cheque Issued & Returned (Technical Reason) | Nil | Nil | Nil | Nil | |
| ECS Return / Cheque Issued & Returned (Financial Reason) <> | 350 per cheque for first return in a month thereafter 750 per cheque for cheque returned the same month | * | * | * | * |
| Cheque Deposited & Returned (INR) | 100 | * | * | * | * |
| Cheque Deposited & Returned (FCY) | 1000 | * | * | * | * |
| DEBIT CARD ANNUAL CHARGE | |||||
| Classic Debit Card | 150 p.a. | * | NA | * | Nil |
| Silk Classic Debit Card | 150 p.a. | * | NA | * | Nil |
| Gold Debit Card | 500 p.a. | * | NA | * | Nil |
| Platinum / My World Debit Card | 750 p.a. | * | NA | * | Nil |
| World / World Exclusive Debit Card | 750 p.a. | * | NA | * | Nil |
| Replacement of Lost / Stolen Debit Card | 200 p.a. | * | NA | * | Nil |
| ATM TRANSACTION CHARGES | |||||
| Kotak Bank's ATM - Cash Withdrawal / Non-Financial Transactions | Nil | Nil | NA | Nil | Nil |
| Other Domestic ATMs - Cash Withdrawal / Non-Financial Transactions | Cash Withdrawal - 20/txn Non Financial - 8.5/ txn | 5 txn per month - Nil, thereafter Std. charge | NA | Nil | Nil |
| Cash Withdrawal / Non-Financial Transaction at International ATM | Cash Withdrawal - 150/txn Non Financial - 25/ txn | * | NA | * | * |
| Transactions declined at other bank domestic ATMs due to insufficient balance | 25 per transaction | * | NA | * | * |
| HOME BANKING CHARGES | |||||
| Cash Pick-up / Delivery | 175 / txn | Nil upto 5 Calls per month | Nil upto 5 Calls per month | Nil upto 5 Calls per month | Nil upto 10 Calls per month |
| Instrument Pick-up / Delivery | 75 / txn | Nil upto 5 Calls per month | Nil upto 5 Calls per month | Nil upto 5 Calls per month | Nil upto 10 Calls per month |
| STANDING INSTRUCTION | |||||
| Standing Instruction - Set-up | 100 | * | NA | * | Nil |
| Standing Instruction - Amendment | 25 | * | NA | * | Nil |
| Standing Instruction - Execution | Nil | Nil | NA | Nil | Nil |
| Standing Instruction - Failure | 25 | * | NA | * | Nil |
| CERTIFICATE & REPORT ISSUANCE CHARGES | |||||
| Current Year Balance and Interest Statement | Nil | Nil | Nil | Nil | Nil |
| Previous Year Balance and Interest Statement | 100 | * | * | * | Nil |
| Signature Verificaiton Certificate | 25 | * | * | * | Nil |
| Photo Attestation | 50 | * | * | * | Nil |
| Address Confirmation | 50 | * | * | * | Nil |
| Duplicate TDS Certificate | 100 | * | * | * | Nil |
| ACCOUNT STATEMENT & PASSBOOK | |||||
| Physical Account Statement (Quarterly) | Nil | Nil | Nil | Nil | Nil |
| Monthly E-mail Account Statement | Nil | Nil | Nil | Nil | Nil |
| Account Statement Weekly (Physical) | 100 Per Month | * | * | * | * |
| Account Statement Daily (Physical) | 500 Per Month | * | * | * | * |
| Annual Combined Statement (Physical) | Through Net Banking: Free, Through Branch: 85; Through Phone Banking: 110 | * | * | * | * |
| Duplicate / Ad-hoc Statement Branch Banking (90 days) | Through Branch: 100; Through Net / ATM: 50 | * | * | * | Nil |
| Pass Book (In Lieu of Account Statement) | Nil | Nil | Nil | Nil | Nil |
| Foreign Inward remittance certificate | 100 | * | * | * | * |
| Duplicate Passbook | 250 | * | * | * | * |
| OTHER CHARGES | |||||
| Non Maintenance Charge (Quarterly) <> | NA | AQB more than 50% but less than required AQB: 900; AQB less than or equal to 50%: 1200 | NA | AQB more than 50% but less than required AQB: 900; AQB less than or equal to 50%: 1200 | AQB more than 50% but less than required AQB: 900; AQB less than or equal to 50%: 1200 |
| Image Debit Card Issuance Fee** | 199 | * | NA | * | * |
| Regeneration of PIN | 50 (Applicable if Pin is set through Post) | * | NA | * | Nil |
| Stop Payment - Single / Range of Cheques | 100: Over Net Banking - Nil | * | * | * | * |
| Account Closure (if closed after 1 month and before 7 months of A/c Opening) | NA | 600 | 600 | 1000 | 1200 |
| Email alert subscription | 25 per qtr. | Nil | Nil | Nil | Nil |
| TOD Charges | 500 | * | * | * | * |
| Cheque Purchase Charges | 0.5 / 1000 (Min 50 Max 10000) | * | * | * | * |
| Record Retrieval Charges | 100 per request | * | * | * | Nil |
| Inoperative A/c for more than 1 year <> | NA | * | * | * | Nil |
| Activation of Inoperative Account | Nil | * | * | * | Nil |
| *Indicates Charged Service. Applicable Charges will be as per Standard Charge. | |||||
| ^across all accounts where Primary Privy League customer is the first holder | |||||
| #PINS = Portfolio Investment Account. Charges indicated in the GSFC above are over and above PINS, demat and trading account charges | |||||
| ***Not available on NRO debit card. NA = Not Applicable | |||||
| GST slabs that are applicable for currency conversions: | |||||
| Value of Purchase or sale of Foreign Currency | Value on which GST rate will be applicable | ||||
| Up to Rs. 1,00,000 | 1% of the gross amount of currency charges or minimum of Rs. 250/- | ||||
| Above Rs. 1,00,000/- to Rs. 10,00,000/- | 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000 | ||||
| Above Rs. 10,00,000/- | Rs. 5,500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs. 60,000/- | ||||
| Charges are exclusive of the Goods and Service Tax (GST). | |||||
| With effect from July 1, 2017 the effective Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time | |||||
| + Additional charges levied by another bank on international ATM transationcs will also have to be borne by the card holder | |||||
| Bank reserves the right to charge @ Rs. 50 per txn for exceeding 30 txn per month in case the txn in savings account is of business / commercial nature. | |||||
| For NR Privy league customers - The Bank shall review the relationship value on a periodical basis, if the same is below the programme threshold value, then the Bank shall reseve the right to levy penalty charges of Rs 3000/- p.a.after giving a notice of 30 days | |||||
| The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA / Master Card wholesale exchange rate prevailing at the time of transaction. | |||||
| "<>" Penalty Charges. Not applicable once the account becomes inoperative / dormant. | |||||
| With effect from April 1, 2015, in the event of a default in maintenance of Average Quarterly Balance (AQB) as agreed to between the Bank and customer for the quarter (referred as 'Default Quarter'), the Bank will notify the customer clearly of the default and that the Average Quarterly Balance for the account has to be met in the subsequent Quarter (referred to as 'Notice Quarter'). If the AQB is still not maintained in the 'Notice Quarter', the NMC (Non Maintenance Charges) for both the 'Default Quarter' and 'Notice Quarter' will be recovered in the subsequent Quarter. The Bank may choose to notify this through by SMS / email / letter. It will be the responsibility of the customer to have a valid email id, mobile number and address updated with the Bank at all times, failing which, customer may not receive the notification/s. The NMC charges will be based on the shortfall observed in the AQB and as specified in the slabs in GSFC. In case of accounts sourced under promotional offering and enjoying conditional NMC waiver, the terms and conditions of such promotional offering shall prevail. | |||||
| +' Additional charges levied by another bank on international ATM transactions will also have to be borne by the card holder | |||||
| The bank will charge cross currency mark-up charge of 3.5% on foreign currency transactions carried out on Debit Cards | |||||
| The exchange rate used will be the Visa / Master Card wholesale exchange rate prevailling at the time of the transaction | |||||
| Non-financial transactions are Balance Enquiry, Mini statement & PIN Change | |||||
| Debit Card Annual Charges for Junior, Youth, Access India and Maestro Debit cards will be same as Classic Debit Card. | |||||
| Debit Card Annual Charge for Titanium Debit Card issued to NRE/NRO Savings & Current accounts will be Rs. 200 and free for NRE / NRO Platina account. | |||||
| **Image Debit Card will not be available for NRO accounts | |||||
