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Solitaire GSFC
Solitaire Business GSFC

General Schedule of Features and Charges (GSFC) for Savings Account (w.e.f. 1st April, 2025)

Particulars		Kotak Solitaire
Non maintenance charges		NA
Fund Transfers	NEFT** /RTGS/ Fund Transfer (Through Netbanking/Mobile Banking / branch)	Nil
Fund Transfers	IMPS	Nil
Cash Transactions	Cash Transaction at Branch / Cash Deposit Machine (CDM) (Deposit or withdrawal)	Free up to 5 transactions or 15 lac / month, whichever is earlier. Post free limits, charged at Rs. 5/- per Rs. 1000/- with minimum Rs. 150
Debit card	Debit Card Charges	NIL for Solitaire program customers
	Debit card anniversary charges	NIL for Solitaire program customers
	Kotak Bank's ATM - Cash Withdrawal/ Non financial transactions###	Nil charges upto 30 transactions. Thereafter, Rs.23 per financial transaction and Rs.9 per non financial transaction
	Other Domestic ATM - Cash Withdrawal##/ Non financial transactions###
	Cash Withdrawal / Non financial transactions ### at International ATM +	NIL
	Cross Currency Markup on international transactions	1.5% per international cash withdrawal and purchase transaction
	Dynamic Currency Conversion (DCC) Charges	1% per transaction for all dynamic currency conversion international transactions
	###/ Declined Transactions at ATM, merchant outlets, websites due to insufficient balance <>(w.e.f April 1,2019) -	NIL
	Cardless cash withdrawal (IMT)	NIL
DD/ Pay order/ Cheque Book	DD / Pay Order	Nil
	FCY - DD/TT/ Cheque Collection/ Revalidation/ Cancellation/ FCY Cheque Deposited and Return	Nil
	At-par Cheque Book Charges	Nil
Transaction Failure	ECS/Cheque Issued & Returned (due to non availability of funds)	500/ instance (Max capped at 5/month)
	ECS Mandate Verification	Nil
	SI Failure	Nil
	Cheque deposited and returned (INR)	Nil
	Cheque Issued and returned (INR)- Non Financial Reason	Nil
Branch Requests	Foreign Inward Remittance Certificate	Nil
Branch Requests	Duplicate Ad-hoc statement, Duplicate Passbook, TDS Certificate Through Branch or any other Record Retrieval, Stop Payment - Single / Range of cheque through branch; DD Revalidation; PO / BC Revalidation / Cancellation (INR); Annual Combined Statement-Physical; Monthly Physical Statement;	Nil
Statements & Alerts4	Statements	Nil
Statements & Alerts4	Balances and Transaction & Value added alerts (50p per SMS (Daily) & Weekly)	Nil
Other Charges	TOD, Cheque Purchase charges	TOD: Rs.500; Cheque Purchase Charges: 0.5/1000 (Min 50; Max 10000)
Complimentary Services	Passbook (in lieu of Account Statement) Current Year, Balance and interest Statement, Signature Verification Certificate,Photo Attestation, Address Confirmation, Balance & Interest Statement, Regeneration of PIN of Net Banking / Phone Banking / Debit Card (sent through courier), Account Closure, Cash / Instrument Pick Up / Delivery / KYC Pick Up	Nil
Debit Card Issuance/Annual Charges~~	Privy League Signature Neon Debit Card - Primary	NA
	Privy League Signature Neon Debit Card Add On	NA
	Privy League Signature Platinum Debit Card-Primary	NA
	Privy League Signature Platinum Debit Card-Add On	NA
	Privy League Infinite Black Debit Card- Primary	Nil
	Privy League Infinite Black Debit Card- Add On	Nil
	Kotak PVR Debit Card^^^^	Issuance fee – INR 499 Annual fee - INR 499
Other Debit Card related charges~~	Replacement of Debit Card	Nil
Other Debit Card related charges~~	Issuance Fee for Image Debit card	Nil
Goods and Service Tax (GST) on Foreign Currency Conversion Charges ( FCY)~
Value to 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 exchanges 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.5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs.60,000/-
Please Note
All charges are in Rupees
##Cash withdrawal limit from other Domestic ATM is Rs. 10000 per transaction.
4Transaction and Value Added SMS alerts would be sent at Nil charge to the customers who have subscribed for Daily / Weekly Balance Alerts facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent at Nil charge, even if Daily / weekly Balance SMS alerts facility has not been subscribed.
**Indo - Nepal Remittance Scheme (NEFT Charges):
If Beneficiary maintains an Account with Nepal SBI Bank Ltd. (NSBL): Rs. 25 per txn (incl all taxes).
If Beneficiary does not maintain an Account with Nepal SBI Bank Ltd (NSBL): Upto Rs 5000 - Rs 75 per txn & beyond Rs 5000 - Rs 100 per txn (incl all taxes).
This General Schedule of Features and Charges is applicable only for Kotak Solitaire customers. For others, charges pertaining to the Saving Account product held by the customer will be applicable.
NA = Not applicable
To note: In case if a customer is being regraded to lower tiers, standard charges for all products/services including Debit Card shall be applicable
+Additional charges levied by another bank on international ATM transactions will also have to be borne by the card holder.
~ Any purchase / sale of foreign exchange will attract GST on the gross amount of currency exchanged as per GST on Foreign Currency Conversion Charges (FCY) table above.
All upsell Debit Cards shall be chargeable as per rates applicable
### Non financial transactions are Balance Inquiry , Mini Statement & PIN Change
<> Penalty charges. Not applicable once the account becomes inoperative / dormant
The Bank will charge cross-currency mark-up charge of 1.5% on foreign currency transactions carried out on all Signature Debit Cards and 1.5% on Privy Infinite Debit Card and Solitaire debit card. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction. Tax Collected at Source on all such transactions will be applicable at prevailing rates as per the prevailing law.
A charge of 1% on the transaction amount + GST will be applicable on cash withdrawal transactions done at merchant outlets (Cash@PoS). The charge is not applicable for Platinum/Black Customers
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. As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Accounts.
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges.
The above charges are applicable for all states other than Jammu and Kashmir. GST is applicable in the State of Jammu and Kashmir. For charges applicable to Jammu and Kashmir please contact the respective Branch Manager
State government taxes/ Cess as applicable shall be charged.
“W.e.f 1st September 2019, TDS at the rate of 2% (plus applicable surcharge and cess) will be deducted on cash withdrawal in excess of one crore rupees in aggregate made during the financial year.”
**Indo - Nepal Remittance Scheme (NEFT Charges): Nil charges for NEFT done thru Mobile banking / Net Banking If Beneficiary maintains an Account with Nepal SBI Bank Ltd. (NSBL): Rs. 25 per txn (incl all taxes). If Beneficiary does not maintain an Account with Nepal SBI Bank Ltd (NSBL): Upto Rs. 5000 – Rs. 75 per txn. & beyond Rs. 5000 – Rs. 100 per txn. (incl all taxes). ^^^^Issuance and Annual fee for Kotak PVR Debit Cards is waived off for Corporate Salary accounts ^^https://www.india.gov.in/spotlight/unique-disability-id Debit card anniversay fee as per Debit Card GSFC will be charged if the customer is downgraded from the Solitaire programme.

General Schedule of Features and Charges (GSFC) for Retail Current Account (w.e.f. 1st April, 2025)

Remittances/Payments	Particulars	Standard Charges	Applicable for Solitaire Business
Demand Draft/ Banker's Cheque	Payable at branch locations	Rs.1/1000 (Min Rs.50, Max Rs.5000)	Nil Charges
Demand Draft/ Banker's Cheque	Payable at non-branch locations	Rs.2/1000 (Min Rs.50, Max Rs.5000)	Nil Charges
RTGS	Applicable only if done in the branch	Rs.2 - 5 L: Rs.20/ Txn.; > Rs.5 L: Rs.40/ Txn.	Nil Charges
NEFT**	Applicable only if done in the branch	Up to Rs.10K; /Rs.2/ Txn.; >Rs.10K to Rs.2 L: Rs.4/ Txn. >Rs.2 L: Rs.24/ Txn.	Nil Charges
IMPS	Up to Rs.1,00,000: Rs.5 / Txn. Above Rs.1,00,000 : Rs.15 / Txn.		Nil Charges
Chequebook	Default Chequebook is payable at At-par only	Up to Rs.500 leaves/p.m. - 2/leaf; Above Rs.500 leaves/p.m. - 3/leaf	Nil Charges
Home Banking
On-call Request	Cash pickup or delivery	Up to Rs.2 L: Rs.875 Rs.2 L to Rs.6 L: Rs.1,475 Rs.6.01 L to Rs.10 L: Rs.2,475 Rs.10.01 L to Rs.20 L: Rs.4,075, Rs.20.01 L to Rs.100.00 L: Rs.6,675 per request	*
On-call Request	Cheque pickup/DD delivery	Rs. 75/- per request	Nil Charges
Beat Service	Cash pickup per location & per month	Up to Rs.50 K: Rs.5 K Rs.50 K to Rs.1 L: Rs.6 K Rs.1 L to Rs.2 L: Rs.7.5 K Rs.2 L to Rs.4 L: Rs.10 K Rs.4 L to Rs.6 L: Rs.15 K Rs.6 L to Rs.8 L: Rs.20 K Rs.8 L to Rs.10 L: Rs.25 K Rs.10 L to Rs.15 L: Rs.35 K Rs.15 L to Rs.20 L: Rs.40 K Rs.20 L to Rs.50 L: Rs.50 K Rs.50 L to Rs.100 L: Rs.75 K per location & per month	*
Beat Service	Cheque pickup	Rs.500 p.m.	Nil Charges
Cash Deposit & Withdrawal
Cash Deposits	At home branch & non-home branch locations	Rs.3.5/1000; Min Rs.50 per Txn.	Nil Charges of up to 10 times of prev. month's avg credit balance; Max. Rs.20 Cr. p.m. thereafter; Std. Charges apply
Cash Withdrawal	For non-home branch locations	Rs.2/1000; Min Rs.50 per Txn.	Nil Charges up to Rs.7.5 L per day; thereafter; Std. Charges apply
Automated Teller Machine ((ATM): Kotak ATM Txn. - Nil Charges up to 5 Transactions
^^VISA ATMs usage charges - Domestic	Non-ﬁnancial Txn.	Rs.10 per Txn.	Nil Charges
^^VISA ATMs usage charges - Domestic	Cash Withdrawal	Rs.23 per Txn.
VISA ATMs - International	Non-ﬁnancial Txn.	Rs.25 per Txn.	Nil Charges
VISA ATMs - International	Cash Withdrawal	Rs.150 per Txn.	Nil Charges
Txn. declined at merchant outlets/website/ATM, due to insuﬃcient balance	Insuﬃcient Funds	Rs.25 per Txn.	Nil Charges
Relationship Value Rs.1 Crore and above
Remittances/Payments	Particulars	Standard Charges (Rs.)	Applicable for Solitaire Business
Debit Card
Debit Card Charges	Joining & Annual Fee	Rs.259 p.a.	Nil Charges
Other Charges
Account Related
Average Quarterly Balance (AQB) Non-maintenance <>	Non-maintenance charges per quarter	If AQB < 50% of the required Product AQB	Nil Charges
Average Quarterly Balance (AQB) Non-maintenance <>	Non-maintenance charges per quarter	If AQB >=50% but < 100% of the required Product AQB	Nil Charges
Cheque Returns <>
Cheques Deposited & Returned (Outward)	Local & outstation	Rs.100 per Cheque	Nil charges up to 10 p.m.; thereafter Std. Charges apply
Cheques Issued and Returned (Inward)	Financial reasons	Rs.500/instance	*
ECS returns	Financial reasons	Rs.500/instance	*
SMS Alerts & Updates
Balance (Daily/Weekly), Txn. & Value-added Alerts		SMS - Rs.0.50 per SMS Email - Nil charges	Nil Charges
Charges Common for All Products
Account Statements (Through Email - Nil charges)
Ad - hoc Statements Request	At Branch/ Phone Banking	<=365 Days: Rs.100	*
	At Branch/ Phone Banking	>365 Days: Rs.200	*
	On Net Banking/ ATM	Rs.50	*
Foreign Currency Payments & Collections
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection		Rs.500	*
TT Transfer ~	Corr. Bank Chrgs. Borne by Beneﬁciary	Rs.250	*
TT Transfer ~	Corr. Bank Chrgs. Not Borne by Beneﬁciary	Rs.1000	*
Cheque Deposited and Returned ~ / Cheque Issued and Returned ~ <> (Financial Reasons)		Rs.1000	*
Miscellaneous Charges
Fund Transfer Return	Financial Reasons	Rs.300	*
Cheque Purchase Charges		Rs.0.5/1000/Day	*
Travellers Cheque Encashment ~		1% of TC Amount	*
Mandate Registration Charges		Rs.50/Instance	Nil Charges
Stop Payment		Rs.100 Per Request	Nil Charges
Standing Instruction Failure		Rs.100	*
TDS Certiﬁcate(Duplicate only)		Rs.200/Request	*
Solvency Certiﬁcate		Rs.10000	*
TOD Charges		Rs.500	*
Authorised Dealer Code Letter		Rs.500 per request	*

GST on Foreign Currency Conversion Charges (FCY) ~

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 exchanges or minimum of Rs.250/-
Above Rs.1,00,000/- to Rs.10,00,000/-	Rs.1000 + 0.50% of the gross amount of currency exchanged less Rs.1,00,000
Above Rs.10,00,000/-	Rs.5500/- + 0.10% of the gross amount of currency exchanged less Rs.10,00,000 subject to maximum of Rs.60,000/-
Services Oﬀered at "Nil Charges"
1. Outstation Cheque (Cheques drawn on non-speed clearing branches) 2. Debit Card Replacement (Lost / Stolen Card) 3. Debit Card Cardless cash withdrawal 4. Bank Statement Weekly (Physical), Annual Combined Statement, Balance Statement (Other than 31st March) 5. PIN Regeneration at ATM/ Net Banking/ Phone Banking 6. Standing Instruction - Set-up/ Amendment 7. Interest Statement & DD/BC Cancellation & Revalidation 8. Signature Verification Address Confirmation 9. Record retrieval charges & Photo Attestation 10. Confidential Report & Credit Confirmation 11. Account Closure Charges (Customer Induced Closure) & IMT ( Cashless Card Withdrawal) 12. IMT - Instant Money Transfer ( Cashless Card Withdrawal)
Please Note:
1 Classic Card will not be available to customers whose Current Accounts were opened with Kotak Bank after 20th December 2011. Charges against the Classic card will be the same as those against Business Gold. Coin Deposit charges: "Nil Charges" up to a deposit value of Rs.50; Beyond Rs.50 per instance, 5% of the coins deposited will be charged. Low Denomination Charges: 0.5% of the value above Rs.5000 deposit per instance; Only Rs.10 and Rs.20 notes will be considered. SMS Alerts & Updates: - Mandatory Alerts will not be charged. Home Banking (On-Call & Beat Service) - Oﬀered at select locations. The maximum slab available for cash pickup is up to Rs.100 lakh only. Lower denomination notes(value equal to or less than Rs.50 ) and coins will not be accepted. ^Home Banking Beat Cash Service charges will be charged as per agreed Contractual Slab monthly. The charges are applicable per month & per location basis. Non-ﬁnancial Txn. under the debit card section includes Balance enquiry, Mini Statement & PIN Change. ^^Debit Card Transaction eligibility: 5 free transactions (including ﬁnancial and non-ﬁnancial transactions) every month from own bank ATMs. From other bank ATMs (including ﬁnancial and non-ﬁnancial transactions) free 3 transactions in metro centres and 5 in non-metro centres. Top 6 Cities: Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad * Indicates Standard Charges are Applicable Abbreviations Used: For all value ﬁgures L = Lakh & K = Thousand; Chq. = Cheque; Std. = Standard; Chrg. = Charge; Txn. = Transaction; p.m. = per month; p.a. = per annum; Avg = Average; FCY = Foreign Currency; FT = Fund Transfer; Corr = Correspondent; TOD = Temporary Overdraft; w/o = without Dynamic Currency Conversion (DCC) markup fee of 1% plus GST will be applicable on Kotak Bank Debit Cards w.e.f. 01st November, 2024. The DCC markup fee will apply to all ATM, POS/ In-store or online transactions. 1. Transactions done in Indian currency (INR) at international locations 2. Transactions done in Indian currency (INR) with merchants located in India but registered in an international location *Indo - Nepal Remittance Scheme (NEFT Charges): If the beneﬁciary maintains an account with Nepal SBI Bank Ltd (NSBL): Rs.25 per Txn. (incl all taxes) If the beneﬁciary does not maintain an account with Nepal SBI Bank Ltd (NSBL): Up to Rs.5000 - Rs.75 per Txn. & beyond Rs.5000 - Rs.100 per Txn. (incl all taxes) # Applicable for all transactions that involve conversion of foreign currency. This charge is applicable from 16th May 2008 as per the CBDT Circular ~ Any purchase/sale of foreign exchange will attract GST on the gross amount of currency exchanged as per GST on Foreign Currency Conversion Charges (FCY) table above Please note any rejections in applications made through ASBA mode due to insuﬃcient funds will attract charges of Rs 300/- per rejection. ## Neo Current Account is available in select locations only. Nil charges on transaction and value-added SMS alerts for the customers who have subscribed to the Daily/Weekly balance alert facility. *Alerts that RBI has mandated, as well as alerts which are deemed appropriate by the Bank, will be sent without any charges, even if

Daily/Weekly Balance SMS alerts facility has not been subscribed. The Bank will charge a cross-currency markup of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the wholesale exchange rate of the VISA/Master Card prevailing at the time of transaction. For all Overdraft / Cash Credit / Loans / special purpose accounts, respective and existing product / facility GSFC will be applicable. Please refer to the respective account variant GSFC on www.kotak.com. Customers re-graded for not maintaining their Relationship Value(RV), as agreed upon during onboarding with Solitaire Business, will have revised GSFC applied. <> Indicates penalty charges Charges are exclusive of the Goods and Service Tax (GST). With eﬀect from 01st July 2017 the practical Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time. "State Government taxes / Cess as applicable shall be charged”
W.e.f 1st July,2020; threshold as well as Rate of TDS applicable for CASH withdrawal will dependent on submission of proof of Income Tax Return filed. Revised TDS rates will be as under :
Aggregate Cash Withdrawals in all accounts in a Financial Year	Income tax Return copy Submitted to Bank	Income tax Return copy NOT Submitted to Bank
Upto Rs.20 Lakhs	Nil	Nil
Rs.20 lakhs to Rs. 1 crore	Nil	2%@
In Excess of Rs. 1 crore	2%@	5%@
@If PAN is not updated in the account, then the TDS deduction at the rate 20% as per section 206AA of the Income Tax Act will apply. For foreign companies, foreign partnership ﬁrms, Non-residents, additional surcharge and health & education cess will be applicable as per Income Tax law. All charges are subject to revision, with an intimation of 30 days to account holders. Account closure due to charge revision will not be subject to account closure charges.
Terms & Conditions for Soliatire Business • Cash Deposit & Other Services: Refer to the General Schedule of Features and Charges for the maximum limits on cash deposits and other services. • ActivMoney: For deposits above 7 days. For detailed terms and conditions, please visit www.kotak.com. ActivMoney (Auto Sweep) is a facility of automatically sweeping out funds above a pre-specified threshold from your Current/Savings Account to a Term Deposit (TD) Account for 180 days. In case of insufficient balance in Current/Savings Account, the TD will be broken prematurely and the required amount will be transferred to Current/Savings Account. Default Sweep Out and Sweep In for limit for an account variant are the minimum thresholds and one will not be able to opt for limits lower than these. Auto-Sweep out of funds above a pre- specified threshold from Current/Savings Account to Fixed Deposit will be for 180 days (For NRE accounts it will be for 1 year) and in multiples of Rs. 5,000/- The nomination registered for Saving Account / Current Account will apply for FDs created through ActivMoney. If customer opts for ActivMoney in an account, standalone Fixed Deposits cannot be linked to that account. Terms and Conditions guiding the fixed deposit will be applicable to fixed deposits booked under ActivMoney. Bank may at its absolute discretion discontinue / suspend any of the services completely or partially with or without any notice to me. © Copyright Kotak Mahindra Bank Ltd. • Debit Card: The issuance of a Debit Card will depend on the mode of operation of the Current Account. • Lending Solutions: Terms and Conditions apply. Credit at the sole discretion of the bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Available at select locations only. Credit limit of any type will be sanctioned as per the Credit policy of the bank. • Credit Card: Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Ltd. All features and benefits are subject to credit card terms and conditions. Please read the credit card terms and conditions carefully as provided on the bank website www.kotak.com Subject to regulatory compliance & past track record with Kotak Mahindra Bank \| FDI: Foreign Direct Investment ; ODI: Overseas Direct Investment ; ECB: External Commercial Borrowings. • Forex : For clients with FX exposures of more than USD 1 Mn. • Insurance: As per Terms and Conditions and assessment by the respective insurance companies. Insurance is the subject matter of solicitation. Participation by Kotak Mahindra Bank Ltd.’s customers to buy insurance policy is purely voluntary and there is no direct or indirect linkage between the provision of banking services offered by Kotak Mahindra Bank Ltd. to its customers and products/services offered by Zurich Kotak General Insurance Company Ltd. Insurance products/services are obligations of Zurich Kotak General Insurance Company Ltd. and are not guaranteed by Kotak Mahindra Bank Ltd. Zurich Kotak General Insurance Company Ltd. shall be liable or responsible for all matters arising out of or pertaining to the insurance products/services offered by it. Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Individuals receiving such phone calls are requested to lodge a police complaint. Kotak Term Group Plan - UIN: 107N007V10, Kotak Accidental Death Benefit UIN - 107B005V06, Kotak Accidental Disability Benefit UIN 107B008V03, Kotak Accidental Dismemberment Benefit (ADM) UIN- 107B006V03, Kotak Accidental Death, Disability and Dismemberment Benefit (ADDD) UIN 107B007V03, Kotak Critical Illness Benefit UIN: 107B009V07, Kotak Group Terminal Illness Benefit UIN 107B014V03, Kotak Critical Illness Plus Benefit UIN 107B015V06. This is a non-participating, non-linked, group pure risk product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. For details on riders, please refer to the Rider Brochure. For more details on Kotak Life’s insurance plans and offerings, kindly get in touch with the sales representative. Kotak Mahindra Bank Ltd. is a corporate agent of Kotak Mahindra Life Insurance Company Limited with Corporate Agency License No: CA0250. Regd. Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. The plans are offered and underwritten by Kotak Mahindra Life Insurance Company Limited. Participation by Kotak Mahindra Bank Ltd.’s customers to buy insurance policy is purely voluntary and there is no direct or indirect linkage between the provision of banking services offered by Kotak Mahindra Bank Ltd. to its customers and products/services offered by Kotak Mahindra Life Insurance Company Ltd. Insurance products/services are obligations of Kotak Mahindra Life Insurance Company Ltd and are not guaranteed by Kotak Mahindra Bank Ltd. Kotak Mahindra Life Insurance Company Ltd. shall be liable or responsible for all matters arising out of or pertaining to the insurance products/ services offered by it. Regd. Office: Kotak Mahindra Life Insurance Company Ltd. Regd. Office: Kotak Mahindra Life Insurance Company Ltd. Reg No. 107 CIN: U66030MH2000PLC128503, 8th Floor, Plot # C-12, G-Block, BKC, Bandra (E), Mumbai – 400051. Website: www.kotaklife.com \| Group Email: [email protected] \| Group Toll Free No.: 1800 120 7856 \| WhatsApp: 9321003007 \| Toll Free: 1800 209 8800 • Kotak Cherry: is an execution platform of Kotak Alternate Asset Managers Limited (“KAAML”) which is a sub-distributor of KMBL. Access to Kotak Cherry requires on-boarding of the customer with KAAML. Kotak Securities: Kotak Mahindra Bank Ltd. offers a Savings Account, while Kotak Securities Ltd. offers a Demat and Trading Account. Investments are subject to market risks; read all scheme-related documents carefully. Trade Free Youth Plan (For under 30 years of age): Get ₹0 brokerage on delivery trades, flat ₹10/order brokerage charge on intraday & F&O trades, ₹0 Annual Maintenance Charges & enjoy ₹0 account opening fee. Trade Free Plan (For 30 years of age or above): Enjoy flat ₹10/order brokerage charge on delivery, intraday & F&O trades and ₹0 account opening fee if you are a new Kotak Securities Ltd. customer. If you are an existing customer switching to the Trade Free Plan, a one-time fee of ₹499 + GST will be applicable. • Mutual Funds: Investments in Mutual funds and securities are subject to market risks, read all scheme related documents carefully. For complete terms and conditions, visit kotak.com

Know Your Kotak Solitaire – features, charges & more.

Your Go-To Guide for Safe and Hassle-Free Banking

General Schedule of Features and Charges (GSFC) for Savings Account (w.e.f. 1st April, 2025)

General Schedule of Features and Charges (GSFC) for Retail Current Account (w.e.f. 1st April, 2025)

GST on Foreign Currency Conversion Charges (FCY) ~