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 * PERSONAL
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PERSONAL
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BUSINESS
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Regulation 46 and 62

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 * Explore Products
    * Accounts
    * Deposit
    * Cards
    * Loans
    * Insurance
    * Investments
   
    * Savings Account
    * Current Account
    * Salary Account Solutions
    * Retail Institutional Accounts
    * Bank + Demat + Trading A/c
    * Safe Deposit Locker
    * Know your balance
    * Download Account Statement
   
   OPEN A ZERO BALANCE DIGITAL SAVINGS ACCOUNT INSTANTLY FROM ANYWHERE WITH THE
   NEW VIDEO KYC PROCESS
   
   Open Savings Account
   
    * Fixed Deposit
    * Recurring Deposit
    * Tax Saving Fixed Deposit
    * Senior Citizen Fixed Deposit
    * Sweep-In Facility
    * Fixed Deposit Calculator
    * Recurring Deposit Calculator
   
   AVAIL HIGHER FIXED DEPOSIT RATES @ 7.20 % P.A.* FOR TENOR 12 MONTHS 25 DAYS
   TO LESS THAN 2 YEARS
   
   Know more
   
    * Credit Cards
    * Debit Cards
    * Spendz / FASTag / Forex / Prepaid Cards
    * Credit Card Services
    * Debit Card Services
    * Report Lost Card
    * Generate PIN for all Cards
    * Gift card - Raise Dispute/Balance Inquiry
   
   GET KOTAK LEAGUE PLATINUM CREDIT CARD & EARN 8X REWARD POINTS ON YOUR EVERY
   SPENDS OF RS.150 ACROSS ALL CATEGORIES.
   
   Know More
   
    * Home Loan
    * Car Loan
    * Personal Loan
    * PayDay Loan
    * Gold Loan
    * Loan Against Securities
    * Loan Against Property
    * Smart EMI
    * Retail asset branch
   
   GET UP TO RS.40 LAKH WITH PERSONAL LOAN STARTING AT 10.99% P.A.
   
   Know More
   
    * Life Insurance
    * Health Insurance
    * Car and Two Wheeler Insurance
    * Cyber insurance
    * Pradhan Mantri Jeevan Jyoti Bima Yojana
    * Pradhan Mantri Suraksha Bima Yojana
    * Atal Pension Yojana
   
   LEAVE THE STRESS OF YOUR MEDICAL EXPENSES TO US
   
   Know more
   
    * Mutual Funds
    * Insta SIP
    * Portfolio Management Service
    * Sovereign Gold Bond Scheme
    * Demat Account
    * Kotak ASBA Facility
    * National Pension System
    * Bank + Demat + Trading A/c
    * RBI-FRSB, 2020 (T)
   
   MAKE YOUR MONEY WORK SMARTER! EXPLORE RECOMMENDED MUTUAL FUNDS.
   
   Invest now

 * Offer Zone
    * Top offers
    * Popular categories
    * Offers by Payment type
   
    * BigBasket
    * Ogenie
    * Swiggy
    * Licious
    * Apollo Pharmacy
    * View all offers
   
   INTRODUCING E-VOUCHERS FROM 180+ BRANDS ACROSS A WIDE RANGE OF CATEGORIES.
   
   Shop Now
   
    * Shopping
    * Dining
    * Entertainment
    * Electronics
    * Health & Wellness
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    * Education
    * View all offers
   
   INTRODUCING E-VOUCHERS FROM 180+ BRANDS ACROSS A WIDE RANGE OF CATEGORIES.
   
   Shop Now
   
    * Credit Card
    * Debit Card
    * Netbanking
    * View all offers
   
   INTRODUCING E-VOUCHERS FROM 180+ BRANDS ACROSS A WIDE RANGE OF CATEGORIES.
   
   Shop Now

 * Make Payments
    * Money Transfer / Forex
    * Bill payments / Recharges
    * Loan / Card Payment
   
    * NEFT
    * RTGS
    * IMPS
    * UPI
    * Pay your contact
    * Send money abroad
    * Foreign Currency Cash Services
   
   PAY ANY MOBILE NUMBER REGISTERED AGAINST ANY PAYMENT APP.
   
   Know More
   
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    * Mobile / Landline Postpaid Bill Payments
    * Credit Card Bill Payments
    * Recharge FASTag
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    * View all payments / recharges
   
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    * Loan EMI Payment
    * Retail Asset Reconstruction
   
   PAY YOUR CREDIT CARD BILL IN JUST FEW CLICKS
   
   Pay Now

 * Privy League
 * NRI Services
 * Service Request
    * Update Profile
    * Saving and Current Accounts
    * Debit and Credit Cards
    * Personal Loans
    * Home Loans
    * Business Loans / Loan Against Property / Payday Loans
   
    * Update your PAN
    * Update Aadhaar Number
    * FATCA Declaration
   
   Know More
   
    * Check your last 5 transactions
    * Know your account balance
    * Activate / Deactivate your Passbook
    * NACH Cancellation
    * Change of Home Branch
    * Co-operative Bank Declaration
    * Report Fraud / Raise Dispute
    * Track your application status
   
   Know more
   
    * Card Token Management
    * Generate PIN for all your Kotak cards
    * Activate or deactivate your card
    * Report a lost or stolen card
    * Set your card for international usage
    * Apply for New Debit Card
    * Personalize your Debit Card from over 70+ images
   
   Know More
   
    * Track Personal Loan Application Status
    * View Existing Loan Details
    * Download Statement of Account
    * View Repayment Schedule
    * Raise a Service Request
   
    * View Loan Details
    * Download Statement of Account
    * View Repayment Schedule
    * Download Tax Certificate
    * Raise a Service Request
   
    * Raise a service request

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 1. Home
 2. Privacy Policy




PRIVACY POLICY

Privacy Notice EU Users
 

You agree that we may use Customer Information for the purpose of statistical
analysis and for creation of data ("Statistical Information"), which does not
contain individual Customer Information. In addition to the information that the
Bank elicits from you, you are free to volunteer any other information that you
feel that the Bank needs to know, but the security and confidentiality as per
this Policy is guaranteed only to the information that the Bank directly asks
from you.

This Policy holds true for a non-customer who has provided information to the
Bank, by any means, with the intentions of establishing a relationship, of
whatsoever nature, with the Bank. By divulging any information to us you agree
to the terms and conditions of this Policy.


Use of Customer Information / Statistical Information

We may use the Customer Information for, among other things, customer
verification, provision of products and services, for personalization of
products or services, marketing or promotion of our financial services or
related products or that of our associates and affiliates; for creation of
Statistical Information, statistical analysis or credit scoring, enforcement of
your obligations, any other purpose that will help us in providing you with
optimal and high quality services.


Security

We have taken reasonable measures to protect security and confidentiality of the
Customer Information and its transmission through the World Wide Web. You are
required to follow the Terms and Conditions while using this Website including
the instructions stated therein in respect of security and confidentiality of
your Log-in and Password.

The Bank will give access to Customer Information to only authorised employees.
Employees who violate this Privacy Policy shall be subject to disciplinary
process as per the byelaws of the Bank. Any employee who withdraws from the
employment of the Bank will have to undertake to abide by this Privacy Policy
and keep all Customer Information secure and confidential.


Disclosure

 * We shall not be held liable for disclosure of the Customer Information or
   Statistical Information in accordance with this Privacy Commitment or in
   terms of any other agreements with you.
 * We may disclose the Statistical Information to any person, without any
   limitation and you hereby give your consent for the same.
 * We may disclose Customer Information to any of our associates and affiliates,
   without any limitation and you hereby give your consent for the same.
 * We may disclose the Customer Information to third parties for following,
   among other purposes, and will make reasonable efforts to bind them to
   obligation to keep the same secure and confidential and an obligation to use
   the information for the purpose for which the same is disclosed, and you
   hereby give your consent for the same: -
   * For advertising. or
   * For facilitating joint product promotion campaigns. or
 * We may disclose the Customer Information, to third parties, without
   limitation, for the following reasons;
   * To comply with legal requirements, legal process, legal or regulatory
     directive/ instruction. or
   * To enforce the Terms and Conditions of the products or services. or
   * To protect or defend our rights, interests and property or that of our
     associates and affiliates, or that of our or our Affiliate's employees,
     consultants etc. or
   * For fraud prevention purposes. or
   * As permitted or required by law.
   * For participation in any telecommunication or electronic clearing network.
     or
   * For availing of the support services from third parties e.g. collecting
     subscription fees, and notifying or contacting you regarding any problem
     with, or the expiration of, any services availed by you.
   * For the purposes of credit reporting, verification and risk management to/
     with clearing house centers or credit information bureau and the like.
 * For sharing with third-parties information obtained with your consent, from
   your mobile device like device location, device information (including
   storage, model, installed apps, Wi-Fi, mobile network) transactional and
   promotional SMS, communication information including contacts and call logs
   ,for statistical modelling, credit scoring and any other purpose that will
   help us in providing you with optimal and high quality services


Grievances

For discrepancies and grievances pertaining to processing of Information, you
shall get in touch with our Grievance Officer, Ms. M. Raju at
nodalofficer@kotak.com.   

 

Cookie Policy

To continually enhance your online experience, we use cookies that store your
preferences and give us data about your browsing behaviour, such as the pages
you visited on this website, how much time you spent on our site, etc. This
information helps us understand customer interests and helps us improve our
website. By visiting the website, you acknowledge, accept and expressly
authorize us for the placement of cookies on your computer or hand held device.
Please find below some more information regarding cookies and their application
on our website:


What are Cookies?

A cookie is a simple text file that is stored on your computer or mobile device
by a website’s server and only that server will be able to retrieve or read the
contents of that cookie. Every cookie is unique to your particular web browser.
It will contain some anonymous information such as a unique identifier and the
site name with some digits and numbers. It allows the website to remember your
browsing behaviour & show you relevant ads based on the browsing pattern. The
cookies also allow the website to limit the number of ads shown.


How does Kotak.com use Cookies?

Kotak.com uses cookies to capture following information –

 * Source of visit to the website
 * Time spent on the website
 * Pages viewed on the website
 * Ad clicks


In addition to analyzing anonymous user behaviour on Kotak.com, aforementioned
data also allows us to pre-empt requirements of prospects and existing account
holders (by capturing their CRN number) & pitch relevant services through
display advertising or tele calling.

Please note that the scope of this tracking is limited to the kotak.com domain.
User activity on other third-party websites is not tracked by Kotak.com cookies.


Further information about cookies

If you’d like to learn more about cookies in general and how to manage them,
visit www.aboutcookies.org.


Changes to this policy

The above may change at any time. We will endeavor to notify you of any major
changes but you may wish to check it each time you visit our website.




×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

At your request, you are being re-directed to a third party site -
https://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment
from a different bank account. Kotak Cards does not guarantee or warrant the
accuracy or completeness of the information, materials, services or the
reliability of any service, advice, opinion statement or other information
displayed or distributed on the third party site. You shall access this site
solely for purposes of payment of your bills and you understand and acknowledge
that availing of any services offered on the site or any reliance on any
opinion, advice, statement, memorandum, or information available on the site
shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries,
employees, officers, directors and agents, expressly disclaim any liability for
any deficiency in the services offered by BilIDesk whose site you are about to
access. Neither Kotak Cards nor any of its affiliates nor their directors,
officers and employees will be liable to or have any responsibility of any kind
for any loss that you incur in the event of any deficiency in the services of
BiIIDesk to whom the site belongs, failure or disruption of the site of
BilIDesk, or resulting from the act or omission of any other party involved in
making this site or the data contained therein available to you, or from any
other cause relating to your access to, inability to access, or use of the site
or these materials.


I Accept

Note: Available in select banks only. Kotak Cards reserves the right to
add/delete banks without prior notice. © Kotak Mahindra Bank. All rights
reserved
 

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them.


Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them.


Proceed

LOCATE US

You are never too far away from quick, efficient banking services. Locate your
nearest branch or an ATM.


Locate now

CALL US

In case you wish to speak to our phone banking officer for urgent resolution

Find out more

WRITE TO US

Be it an enquiry, feedback or a simple suggestion, write to us & we'll get back
to you


Click here

LOCATE US

You are never too far away from quick, efficient banking services. Locate your
nearest branch or an ATM.


Locate now

CALL US

In case you wish to speak to our phone banking officer for urgent resolution

Find out more

WRITE TO US

Be it an enquiry, feedback or a simple suggestion, write to us & we'll get back
to you


Click here


WRITE TO US



Select your preferred method.

Chat with us

Our messaging assistant can quickly solve many issues or direct you to the right
person or place.

Chat with our expert

Email us

Be it an enquiry, feedback or simple suggestion email us and we'll get back to
you.

Send an email

×


DISCLAIMER

At your request, you are being re-directed to a third party site -
https://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment
from a different bank account. Kotak Cards does not guarantee or warrant the
accuracy or completeness of the information, materials, services or the
reliability of any service, advice, opinion statement or other information
displayed or distributed on the third party site. You shall access this site
solely for purposes of payment of your bills and you understand and acknowledge
that availing of any services offered on the site or any reliance on any
opinion, advice, statement, memorandum, or information available on the site
shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries,
employees, officers, directors and agents, expressly disclaim any liability for
any deficiency in the services offered by BilIDesk whose site you are about to
access. Neither Kotak Cards nor any of its affiliates nor their directors,
officers and employees will be liable to or have any responsibility of any kind
for any loss that you incur in the event of any deficiency in the services of
BiIIDesk to whom the site belongs, failure or disruption of the site of
BilIDesk, or resulting from the act or omission of any other party involved in
making this site or the data contained therein available to you, or from any
other cause relating to your access to, inability to access, or use of the site
or these materials.


I Accept

Note: Available in select banks only. Kotak Cards reserves the right to
add/delete banks without prior notice. © Kotak Mahindra Bank. All rights
reserved

×


DISCLAIMER

By Clicking on the hyper-link, you will be leaving www.kotak.com and entering
our partnered website which will display recurring payment details enabled on
your Kotak Bank Credit / Debit Card



Proceed

×


DISCLAIMER

This is to inform that by clicking on the hyper-link, you will be leaving
Kotak.com and entering website operated by other parties. Such links are
provided only for the convenience of the Client and Kotak Mahindra Bank does not
control or endorse such websites, and it is not responsible for the information
shared by you to PayTM.Proceed


Proceed

×


DISCLAIMER

This is to inform that by clicking on the hyper-link, you will be leaving
Kotak.com and entering website operated by other parties. Such links are
provided only for the convenience of the Client and Kotak Mahindra Bank does not
control or endorse such websites, and it is not responsible for the information
shared by you to PayTM.Proceed


Proceed

×


DISCLAIMER

Please note by login in to the above link and clicking on the “Submit” button,
you provide your consent and acceptance to,

 * Submit the three years financial statements online to the Bank through our
   partnered website Finfort.
 * Our partnered website downloading /obtaining the comprehensive financial
   analysis reports from Income Tax, Traces and Ministry of Corporate Affairs
   Portals and submitting the same to the Bank for the purposes of credit due
   diligence.
 * The terms and conditions of our Partnered website.
 * Authorise the bank to make any enquiries regarding your repayment history
   with banks, financial institutions, credit bureaus, agencies, statutory
   bodies etc. as may be required or as they may deem fit.

 

Proceed

×


DISCLAIMER

Please note by login in to the above link and clicking on the “Submit” button,
you provide your consent and acceptance to,

 * Submit the three years financial statements online to the Bank through our
   partnered website Finfort.
 * Our partnered website downloading /obtaining the comprehensive financial
   analysis reports from Income Tax, Traces and Ministry of Corporate Affairs
   Portals and submitting the same to the Bank for the purposes of credit due
   diligence.
 * The terms and conditions of our Partnered website.
 * Authorise the bank to make any enquiries regarding your repayment history
   with banks, financial institutions, credit bureaus, agencies, statutory
   bodies etc. as may be required or as they may deem fit.

 

Proceed

×


DISCLAIMER

By clicking on the link, you will be leaving www.kotak.com and entering website
operated by other parties. Kotak Mahindra Bank does not control or endorse such
websites, and bears no responsibility for them.

I Agree

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

×


DISCLAIMER

By clicking on the link, you will be leaving www.kotak.com and entering website
operated by other parties. Kotak Mahindra Bank does not control or endorse such
websites, and bears no responsibility for them.

Proceed

×


DISCLAIMER

By clicking on the hyper-link, you will be leaving www.kotak.com and entering
website operated by other parties. Kotak Mahindra Bank does not control or
endorse such websites, and bears no responsibility for them. 

Proceed

Hi ! Need some help?





×


KOTAK INTERNATIONAL BUSINESS

Kotak International Business specialises in providing a range of services to
overseas customers seeking to invest in India. For institutions and high net
worth individuals outside India, Kotak International Business offers asset
management through a range of offshore funds with specific advisory and
discretionary investment management services.

For more information, please visit the Kotak Mahindra International Business
website

Click Here


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   payments Credit Cards Debit Cards Loans National Pension Scheme Deposits


 * POPULAR PRODUCTS
   
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   Funds National Pension Scheme (NPS) Business Loan Zero Balance Savings
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CHANNEL RED *NEW*

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ABOUT US

 * Our Businesses
 * Media Centre
 * Sustainability
 * Careers
 * DIFC Branch
 * GIFT Branch
 * KMFSL

INVESTOR RELATIONS

 * Overview
 * Financials
 * Governance
 * Investor Info
 * Disclosures Regulation 46 and 62

CUSTOMER SERVICE

 * Important Information
 * Write to us
 * Grievance Redressal
 * Report Fraud / Raise Dispute
 * Banking Ombudsman
 * Download Forms
 * Service Requests
 * Track Application Status
 * Tips on Safe Banking
 * Doorstep Banking Service
 * Contact Us for Depository Services

AADHAAR SERVICES

 * Link your Aadhaar
 * Aadhaar Enrollment Center

CALCULATORS & TOOLS

 * Personal Loan EMI Calculator
 * Car Loan EMI Calculator
 * Home Loan EMI Calculator
 * Fixed Deposit Calculator
 * Recurring Deposit Calculator
 * Gold Loan Calculator
 * Life Insurance Calculator
 * Business Loan EMI Calculator
 * Retirement Calculator
 * Simple Interest Calculator
 * Compound Interest Calculator
 * Goal Planner

DIGITAL BANKING

 * Ways to Bank
 * Insta Services
 * Business & Fintech

SELF HELP

 * Help Center
 * Chat with Keya

TRENDING PRODUCTS

 * Credit Cards
 * 811 Digital Savings Bank Account
 * Digi Personal Loan

RATES & FEES

 * Interest Rates
 * Fees & Charges (GSFC)
 * Goods & Services Tax (GST)

FINANCIAL INCLUSION

ABOUT MERGER

ERSTWHILE ING VYSYA

 * Savings Account
 * Current Account
 * Debit Card
 * Institutional Accounts

OTHERS

 * Credit Card T&C
 * Co Brand Credit Card
 * Public Notice
 * Regulatory Disclosure
 * USA Patriot Act Certification
 * Subscriptions/ Recurring Payments
 * Wolfsberg AML Questionnaire
 * Knowledge Centre
 * Auction Cum Sale Notice
 * Asset Classification Norms
 * Recovery Agent

KOTAK GROUP COMPANIES

 * Kotak Asset Management
 * Kotak General Insurance
 * Kotak Institutional Equities
 * Kotak International Business
 * Kotak Investment Advisors
 * Kotak Investment Banking
 * Kotak Life Insurance
 * Kotak Mahindra Investments
 * Kotak Mahindra Prime
 * Kotak Securities Limited

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