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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	Charges
Non-maintenance		NA
Fund Transfers	NEFT1/RTGS/Fund Transfer (Through Netbanking/Mobile Banking/Branch)	Nil
Fund Transfers	IMPS	Nil
Cash Transactions	Cash transaction—deposit or withdrawal at Branch/Cash Deposit Machine (CDM).	Up to 5 free transactions or ₹15 lakh per month—whichever occurs first. Beyond the free limit, ₹5 per ₹1000 is charged, with minimum fees of ₹150.
Debit Card	Debit Card Charges	NIL for Solitaire program customers
	Debit Card anniversary charges	NIL for Solitaire program customers
	Kotak Bank ATM—Cash withdrawal/ Non-financial transactions2	No charges up to 30 transactions. Thereafter, ₹23 per financial transaction and ₹10 per non-financial transaction.
	Other Domestic ATM—Cash Withdrawal3/Non-financial transactions2
	Cash withdrawal/Non-financial transactions2 at International ATM4	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 balance5 (w.e.f April 1, 2019)	NIL
	Cardless cash withdrawal (IMT)	NIL
DD/ Pay order/ Cheque Book	DD/Pay Order/Cheque Book	Nil
	DD/Pay order FCY—DD/TT/Cheque Collection/Revalidation/Cancellation/Deposit 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 cheques through branch, DD Revalidation, PO/BC Revalidation/Cancellation (INR), Annual Combined Statement—Physical, Monthly Physical Statement	Nil
Statements & Alerts6	Statements	Nil
Statements & Alerts6	Balances, transaction & value-added alerts (50p per SMS—Daily & Weekly)	Nil
Other Charges	TOD Cheque purchase charges	₹500 0.5/1000 (Min 50, Max 10,000)
Complimentary Services	Passbook (in lieu of account statement), Current Year, balance & 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 Charges7	Privy League Signature Neon Debit Card – Add-on Privy League Signature Platinum Debit Card – Primary Privy League Signature Platinum Debit Card – Add-on Privy League Infinite Black Debit Card – Primary Privy League Infinite Black Debit Card – Add-on Kotak PVR Debit Card8	Nil Nil Nil Nil Nil Issuance fee – ₹499 Annual fee – ₹499






Other Debit Card Related Charges7	Replacement of Debit Card	Nil
	Issuance fee for Image Debit Card	Nil
	Issuance fee for Image Debit Card
Goods and Service Tax (GST) on Foreign Currency Conversion Charges (FCY)9
Purchase or Sale Value of Foreign Currency	Value on which GST rate will be applicable
Up to ₹1,00,000	1% of the gross currency exchange amount or minimum of ₹250
Above ₹1,00,000 to ₹10,00,000	1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.
Above ₹10,00,000	₹5500 + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of ₹60,000
Disclaimer:
All charges are in Rupees
[3] Cash withdrawal limit from other Domestic ATM is ₹10,000 per transaction.
[6] Transaction and value-added SMS alerts would be sent at no charges 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 no charge, even if Daily/weekly Balance SMS alerts facility has not been subscribed.
[1]Indo-Nepal Remittance Scheme (NEFT Charges): — If Beneficiary maintains an account with Nepal SBI Bank Ltd. (NSBL): ₹25 per transaction (including all taxes). — If Beneficiary does not maintain an account with Nepal SBI Bank Ltd (NSBL): Up to ₹5000, ₹75 per transaction & beyond ₹5000, ₹100 per transaction (including 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
[4]Additional charges levied by another bank on International ATM transactions will also have to be borne by the card holder.
[9] 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.
[7] All upsell Debit Cards shall be chargeable as per rates applicable.
[2] Non-financial transactions are Balance Inquiry, Mini Statement & PIN Change.
[5] 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, 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 1st July, 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.”
[8] Issuance and annual fee for Kotak PVR Debit Cards is waived off for Corporate Salary accounts.
[10] 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	₹1 per 1000 (Min ₹50, Max ₹5000)	Nil Charges
Demand Draft/ Banker's Cheque	Payable at non-branch locations	₹2 per 1000 (Min ₹50, Max ₹5000)	Nil Charges
RTGS	Applicable only if done in the branch	₹2-5L: ₹20/txn; >₹5L: ₹40/txn	Nil Charges
NEFT1	Applicable only if done in the branch	Up to ₹10K: ₹2/txn; >₹10K to ₹2L: ₹4/txn; >₹2 L: ₹24/txn	Nil Charges
IMPS		Up to ₹1,00,000: ₹5/txn; Above ₹1,00,000: ₹15/txn	Nil Charges
Chequebook	Default chequebook is payable at-par only	Up to 500 leaves/p.m.: ₹2/leaf; Above 500 leaves/p.m.: ₹3/leaf	Nil Charges
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Home Banking
On-call Request	Cash pickup or delivery	Up to ₹2L: ₹875 ₹2L to ₹6 L: ₹1,475 ₹6.01L to ₹10L: ₹2,475 ₹10.01L to ₹20 L: ₹4,075, ₹20.01L to ₹100.00L: ₹6,675 per request	Standard Charges Apply
On-call Request	Cheque pickup/DD delivery	₹75 per request	Nil Charges
Beat Service	Cash pickup per location & per month	Up to Rs.50 K: Rs.5 K Up to ₹50 K: ₹5K ₹50K to ₹1L: ₹6K ₹1L to ₹2L: ₹7.5K ₹2L to ₹4L: ₹10K ₹4L to ₹6L: ₹15K ₹6L to ₹8L: ₹20K ₹8L to ₹10L: ₹25K ₹10L to ₹15L: ₹35K ₹15L to ₹20L: ₹40K ₹20L to ₹50L: ₹50K ₹50L to ₹100L: ₹75K per location & per month	Standard Charges Apply
Beat Service	Cheque pickup	₹500 p.m.	Nil Charges
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Cash Deposit & Withdrawal
Cash Deposits	At home branch & non-home branch locations	₹3.5/1000; Min ₹50 per txn	Nil charges of up to 10 times of previous month's average credit balance; Max ₹20 Cr. p.m.; thereafter Std. Charges Apply
Cash Withdrawal	For non-home branch locations	₹2/1000; Min ₹50 per txn	Nil charges up to ₹7.5L per day; thereafter Std. Charges apply
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Automated Teller Machine (ATM): Kotak ATM Txn \| Nil Charges up to 5 Transactions
2VISA ATMs usage charges - Domestic	Non-ﬁnancial Txn.	₹10 per txn	Nil Charges
2VISA ATMs usage charges - Domestic	Cash Withdrawal	₹23 per txn
VISA ATMs - International	Non-ﬁnancial Txn.	₹25 per txn	Nil Charges
VISA ATMs - International	Cash Withdrawal	₹150 per txn	Nil Charges
Txn. declined at merchant outlets/website/ATM, due to insuﬃcient balance	Insuﬃcient Funds	₹25 per txn	Nil Charges
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Relationship Value ₹1 Crore and above
Remittances/Payments	Particulars	Standard Charges (₹)	Applicable for Solitaire Business
Debit Card
Debit Card Charges	Joining & Annual Fee	₹259 p.a.	Nil Charges
Account Related
Average Quarterly Balance (AQB) Non-maintenance3	Non-maintenance charges per quarter	If AQB < 50% of the required Product AQB	Nil Charges
Average Quarterly Balance (AQB) Non-maintenance3	Non-maintenance charges per quarter	If AQB >=50% but < 100% of the required Product AQB	Nil Charges
Cheque Returns3
Cheques Deposited & Returned (Outward)	Local & outstation	₹100 per Cheque	Nil charges up to 10 p.m.; thereafter Std. Charges apply
Cheques Issued and Returned (Inward)	Financial reasons	₹500/instance	Standard Charges Apply
ECS returns	Financial reasons	₹500/instance	Standard Charges Apply
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SMS Alerts & Updates
Balance (Daily/Weekly), Txn. & Value-added Alerts		SMS - ₹0.50 per SMS Email - Nil charges	Nil Charges
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Charges Common for All Products
Account Statements (Through Email - Nil charges)
Ad-hoc Statements Request	At Branch/Phone Banking On Net Banking/ATM	<=365 Days: ₹100 >365 Days: ₹200 ₹50	Standard Charges Apply
Foreign Currency Payments & Collections
DD Issuance/DD Cancellation /DD Revalidation/Cheque Collection		₹500	Standard Charges Apply
TT Transfer4	Corr. Bank Chrgs. Borne by Beneﬁciary	₹250	Standard Charges Apply
TT Transfer4	Corr. Bank Chrgs. Not Borne by Beneﬁciary	₹1000	Standard Charges Apply
Cheque Deposited and Returned4/Cheque Issued and Returned4 3(Financial Reasons) ₹1000		₹1000	Standard Charges Apply
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Miscellaneous Charges
Fund Transfer Return	Financial Reasons	₹300	Standard Charges Apply
	Cheque Purchase Charges	₹0.5/1000 per Day	Standard Charges Apply
	Travellers Cheque Encashment4	1% of TC Amount	Standard Charges Apply
	Mandate Registration Charges	₹50/Instance	Nil Charges
	Stop Payment	₹100 Per Request	Nil Charges
	Standing Instruction Failure	₹100	Standard Charges Apply
	TDS Certiﬁcate(Duplicate only)	₹200/Request	Standard Charges Apply
	Solvency Certiﬁcate	10000.0	Standard Charges Apply
	TOD Charges	500.0	Standard Charges Apply
	Authorised Dealer Code Letter	₹500 per request	Standard Charges Apply
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GST on Foreign Currency Conversion Charges (FCY)4
Up to ₹1,00,000	1% of the gross amount of currency exchanges or minimum of ₹250
Above ₹1,00,000 to ₹10,00,000	₹1000 + 0.50% of the gross amount of currency exchanged less ₹1,00,000
Above ₹10,00,000	₹5500 + 0.10% of the gross amount of currency exchanged less ₹10,00,000 subject to maximum of ₹60,000
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Disclaimer
Please Note	1. Classic Card will not be available to customers whose Current Accounts were opened with Kotak Bank after 20th December 2011. 2. Charges against the Classic Card will be the same as those against Business Gold. 3. Coin Deposit charges: "Nil Charges" up to a deposit value of ₹50; Beyond ₹50 per instance, 5% of the coins deposited will be charged. 4. Low Denomination Charges: 0.5% of the value above ₹5000 deposit per instance; Only ₹10 and ₹20 notes will be considered. 5. SMS Alerts & Updates: Mandatory Alerts will not be charged. 6. Home Banking (On-Call & Beat Service): Oﬀered at select locations. The maximum slab available for cash pickup is up to ₹100 lakh only. 7. Lower denomination notes (value equal to or less than ₹50 ) and coins will not be accepted. 8. Home Banking Beat Cash Service charges will be charged as per agreed Contractual Slab monthly. The charges are applicable per month & per location basis. 9. Non-ﬁnancial txn under the debit card section includes Balance enquiry, Mini-statement & PIN change.
Please Note	*Indicates Standard Charges are Applicable
Please Note	[1]Indo - Nepal Remittance Scheme (NEFT Charges):
Please Note	— If the beneﬁciary maintains an account with Nepal SBI Bank Ltd (NSBL): ₹25 per txn (incl all taxes) — If the beneﬁciary does not maintain an account with Nepal SBI Bank Ltd (NSBL): Up to ₹5000: ₹75 per txn & beyond ₹5000: ₹100 per txn (including all taxes).
Please Note	# Applicable for all transactions that involve conversion of foreign currency. This charge is applicable from 16th May 2008 as per the CBDT Circular ## 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
Please Note	[4]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 ₹300 per rejection.
Please Note	[3]Indicates penalty charges
Aggregate Cash Withdrawals in all accounts in a Financial Year	Upto ₹20 Lakhs ₹20 lakhs to ₹1 crore In excess of ₹1 crore

Know Your Kotak Solitaire – features, charges & more.

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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)