Smart Overdraft

Kotak Smart Overdraft is an easy way to manage your finances with an unsecured overdraft limit for salaried individuals. This facility is set on a current account linked to your savings account.

Below is how Kotak’s Smart Overdraft works:

  • If a withdrawal request hits the Savings account and there is insufficient balance to complete the transaction, funds are utilized from the current account to honour the transaction.
  • Excess funds lying in the savings account over a threshold are automatically transferred to the overdraft account helping you save on interest on your overdraft.


If you are an existing customer, kindly login into Net banking and click on the Smart Solutions tab.

Disclaimer: Credit at sole discretion of Kotak Mahindra Bank Ltd and subject to guidelines issued by RBI from time to time. 

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