banking solutions

Personal Banking

Being a part of a large financial conglomerate, we are one of the few Indian private banks that have access to
a holistic banking platform. We offer bespoke solutions to meet your banking and digital requirements.

Our Banking starts with you.
We offer seamless support for all your banking needs through a single private banking office. Our advisors and bankers are backed by a secure banking platform and a specialist team, dedicated to analysing and developing optimum end-to-end banking solutions.

The many advantages of Kotak Private Banking. Exclusively for you.

Integrated Personal Banking Services


100% waiver on locker rental.

Exclusive Access Card**

Avail priority services for processing any transactions related to Kotak, and for in-person meetings with branch officials.

White Reserve Metal Credit Card^

  • Exclusive Club Marriott membership.
  • Unlimited lounge access at international and domestic airports.
  • 2 complimentary tee-offs at the finest golf courses in India and globally.
  • Low mark-up on international transactions.

Infinite Debit Card#

  • Unlimited lounge access at domestic airports.
  • Higher transaction and withdrawal limits of `5 lakhs and `2.5 lakhs respectively.
  • 1.5% foreign currency markup for all your international spends.

My Loan Desk^^

Comprehensive loan solutions in one place through “My Loan Desk” with preferential rate of interest and processing fee on Home Loans, Car Loans, ^^^ Loan against Securities and Loan against Property.

Convenient Solutions for Everyday Banking

OTP Based Transactions

A service for clients who, while travelling, are unable to provide original signed forms immediately for the transfer of funds.


An exclusive call back service from a dedicated customer care desk. Just SMS KPRIVATE to 5676788.

Home Banking

Convenient pick-up and delivery of cash / Cheque / DD from your registered address.


Make instant and seamless direct tax payments like TDS, Self-Assessment and Advance Tax via Net Banking or Kotak Payment Gateway.

Email Indemnity Facility##

Execute transactions based on scanned instructions received from your registered email ID. Applicable for NEFT, RTGS, fund transfer, tax payment and mutual fund transactions.

Discover Réserve - a Savings Programme* by Kotak Private Banking. Click here to know more.

Above features and benefits are applicable for Resident Savings Accounts only.

* Allotment of Locker is basis availability. Terms and conditions applicable for discounts.

**This is a virtual card and possession of the card does not provide any waiver / leeway to the existing process. All the existing processes / controls will be applicable to the transactions / services availed by the customers.

^Issuance of Credit card is at sole discretion of Kotak Mahindra Bank Ltd. All features and benefits are subject to Credit card terms and conditions

#For detailed terms and conditions, refer to

^^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.

^^^Terms and Conditions apply. Car loan offer is from Kotak Mahindra Prime Limited, a subsidiary of Kotak Mahindra Bank limited, available at select locations. The loan disbursement will be subject to complete documentation, and credit at the sole discretion of Kotak Mahindra Prime Ltd only and subject to guidelines issued by Reserve Bank of India (“RBI”) from time to time. Mandatory charges will be applicable. Waiver of prepayment charges is applicable upon completion of 50% tenure without any default in payment of EMI. The car loan offer shall be valid till 30th June, 2023 for private registered cars only. Kotak Mahindra Prime Limited having CIN U67200MH1996PLC097730, Registered office at 27BKC, C-27, G Block, Bandra Kurla Complex, Bandra E, Mumbai-400051. Kotak Mahindra Bank Ltd shall not be liable or responsible for the services provided or financial products offered by Kotak Mahindra Prime Ltd.

##Original documents to be submitted subsequently.