Professional Documents
Culture Documents
Kotak Mahindra
Kotak Mahindra
Declaration:
I declare that this Assignment is my individual work. I have not copied it from any other student's work
or from any other source except where due acknowledgement is made explicitly in the text, nor has any
part been written for me by any other person.
Student’s
Signature:
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Introduction
Kotak Mahindra Bank is one of the fastest growing banks and most praised financial institution
in India. It was established in 1985 as finance company known as Kotak Mahindra Finance Ltd.
Later on, February 2003, it was given the license to carry on banking services by RBI. The bank
offers transaction banking, operates lending verticals, manage IPOs and provides working capital
loans. This bank has its principal business organized in consumer banking, cooperate banking,
treasury, commercial banking and other financial services. The bank is able to successfully open
1603 branches and 2573 ATMs across the country.
Along with its subsidiaries this bank offers a wider range of financial products and services to its
customers. The core businesses are commercial banking, investment banking, life insurance and
general insurance. It also provides financial solutions to individual and non-individual customers
depending on their needs. They also provide their customers with wide range of investment
platform like Mutual Fund, Life Insurance, retailing of gold coins and bars etc. this bank has
properly utilized the technology and provides various sets of digital banking like phone banking,
internet banking, mobile banking, SMS service, Netc@rd, Home banking and bill payment
facilities.
This bank also has overseas subsidiaries with offices in Mauritius, London, Dubai, Singapore,
San Francisco and New York. These subsidiaries are mainly involved in investment advisory and
investment management of funds, equity and debt trading, broking and management of GDR.
Products
1) Current account: - Kotak Mahindra Bank provide a customized current bank account to
meet the varied customer needs. Current Account are the business accounts that provides
the facilities of unlimited transaction to its customers whether be an individual or an
organization. This provides personalized services to conduct easy daily bank transaction.
Kotak Mahindra bank also provide overdraft facilities to is current account holders to
meet their working capital requirement. The current account is divided into four segments
depending upon the customers need and are categorical different in terms of minimum
balance and charges.
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Kotak Bank Current Account Minimum balance Non maintenance charges
Average Quarterly
Balance (ABQ)
Startup Premium 1,00,000 Waiver for first 12 Months, after which, If AQB is less
than 50 percent, NMC is Rs. 5,000 If AQB more than
50 percent, NMC is Rs. 3,000
Ace Current Account 2,50,000 If AQB is less than 50 percent, NMC is Rs. 7,000 If
AQB more than 50 percent, NMC is Rs. 4,000
Elite Current Account 1,00,000 If AQB is less than 50 percent, NMC is Rs. 5,000 If
AQB more than 50 percent, NMC is Rs. 3,000
Edge Current Account 25000 If AQB is less than 50 percent, NMC is Rs. 1500 If
AQB more than 50 percent, NMC is Rs. 900
Eligibility
To open a Kotak Bank Current account, one needs to fulfil the following eligibility criteria:
The individual applying for a current account requires authentic KYC documents.
Further, Kotak Bank requires a minimum account balance of Average Quarterly Balance
of Rs. 25,000 to be maintained in its current account.
Free cash deposit at non home branch locations up to Rs. 50,000 per month
Compare the Current Account features of Kotak Bank with other banks and pick the best
bank for yourself.
Walk in the nearest Kotak Bank branch to open a Current Account and avail quality
services.
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Kotak Bank Current Account Opening Procedure
A current account facility can be availed in any bank through both online and offline procedures.
The online process to open a current account is more time saving and easy.
Online Process:
Visit the Bank's website or the Bank's online current account portal.
Select the 'Open current account' option.
Fill in the personal details in the current account application form.
Download the application form and submit the printed copy in the Bank on your next
visit.
For the offline process, one needs to visit the nearest Bank in person, with the required
documents.
Sub types: - There are altogether 10 different types of current accounts provided by Kotak
Mahindra Bank. They are as follows: -
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idle balances
4 Pro Current Free Home Banking service - Cash/Cheque pickup and delivery, at
Account your call
Dedicated Relationship Manager who will be a single point of
contact at the bank
Better Forex rates and efficient Trade Services
5 Edge Current Free Demand Drafts payable at Kotak Bank Branches (up to 25 per
Account month)
Balance Alerts / Transaction and Value-added alerts through SMS at
nominal charge (Alerts through email are free)
Kotak ActivMoney - Converts current account balance above a
certain amount into Term Deposits, so you earn attractive returns on
your idle balance
6 Elite Current Free Home Banking service - Cash/cheque pickup and delivery, at
Account your call
Free Beat service - Daily visits to home or office for cheque pick-up
and deposit in your account
Free outward cheque returns (up to 5 instruments per month)
7 Astra 05 Current Free Home Banking service - Cash/Cheque pick-up and delivery, at
Account your call
Free beat service - Daily visits to home or office for cheque pickup
and deposit in your account
Waiver of outward cheque return charges (up to 10 instruments per
month)
8 Ace Current Free Unlimited Demand Drafts payable at Kotak Bank branch
Account locations
Free Beat service (Daily home/office visits) and Free Home Banking
service (at your call) - Cash/Cheque pickup and delivery
Waiver of outward cheque return charges (up to 10 instruments per
month)
9 Global Trade Transparent and Competitive service charges
Current Account Dedicated Relationship Manager
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Complimentary Kotak Multi Currency World Travel Card (KWTC)
10 Astra 15 Current Free unlimited Demand Drafts payable at Kotak Bank branches
Account Waiver of outward cheque return charges (up to 10 instruments per
month)
Get unsecured overdraft facility of up to Rs. 15 Lakhs with Kotak
Credit Access
Kotak Mahindra bank offers one of the attractive fixed deposit interest rates to its customers.
They provide the wide range of terms to choose from, in order to achieve money saving goals
with more flexibility and high security. They ensure to their customer that no matter what the
purpose of saving is, whether be for vacation or child’s marriage, investing in their bank as Fixed
deposit is a secure and effective way to transform all their dreams into fruition. Moreover, they
are providing the way far easier method for online application for opening the fixed deposit
account.
Opening fixed deposit account possess a number of advantages over other investment schemes. It
is one of the safest investment portals that provide higher returns. While availing a fixed deposit
we actually gain a number of perks such as:
Kotak Mahindra bank provides a flexible eligibility to open a fixed deposit account. Anyone can
open the fixed deposit account in this bank whether it be an Indian national, an NRI, a senior
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citizen or a member of HUF. They also provide facilities to open FDs for minor under
guardianship.
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Penalty charge on pre-mature withdrawal of Fixed Deposits (Domestic/ NRI /NRE)
Kotak Mahindra bank provides Interest according to the rate prevailing on the date of deposit for
the tenure or until the withdrawn amount is remained at the bank or at contracted rate, whichever
is lower after deducting applicable penal charge for premature withdrawal as per terms and
condition. the penal charge on premature closure of Fixed Deposits including partial closure has
been fixed by the bank as below on Fixed Deposits booked/ renewed on or after 1st November,
2012.
3) Credit Card: -
Looking at the diversified range of customer’s needs, Kotak Mahindra bank offers a wide range
of credits cards based on their buying preferences. The bank has categorized their credit card
rewards centred on customers preferences such as entertainment, shopping, dining, travel and
lounge access. Depending on the needs and requirement one can choose a credit card that help
them earn extra points on the things that matter the most to them.
There are altogether 20 credit cards that the bank provides. They are as follows: -
2 White Credit Card Annual Fee waiver of Rs.3,000/- when our spends
cross Rs.5,00,000 annually.
Special introductory offer – Spend Rs. 30,000 within
the first 60 days of setting up the Card and receive a
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voucher worth Rs. 1,500
Earn voucher that can be redeemed on premium
brands.
3 Mojo Platinum Credit Card Earn 5 Mojo points on shopping via KayMall, 2.5
Mojo points on online spends & 1 Mojo point on all
other spends for every Rs. 100*
Get Rs. 1000 worth gift voucher on spending Rs. 1
lakh every quarter for the first year.
Provides fuel surcharge wavier up to Rs 3500
annually.
4 Essentia Platinum Credit Card 10% savings on department and grocery store spent.
6 free PVR tickets on spends of Rs.1,25,000 every 6
months
1 Saving Point for every Rs.250 spent.
5 811 #DreamDifferent Credit Card Earn 500 bonus reward points on Activation + Rs.
5000/- spends in the first 45 days of card set up.
Earn 2 reward points against every Rs. 100/- of
online spends
Earn 1 reward point against every Rs. 100/- of
other* spends
6 Delight Platinum Credit Card Get 10% Cashback on dining and movies on spends
of Rs.10,000 monthly on other categories
Get 4 free PVR tickets or Rs.750 Cashback on
spends of Rs.1,25,000 every 6 months
Enjoy fuel surcharge waiver across all petrol pumps
in India (T&C apply)
7 Fortune Gold Credit Card Milestone offer - Spend Rs. 1,50,000 in a year & get
4 PVR tickets
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Fuel surcharge waiver across all petrol pumps in
India
Easy cash access
Railway surcharge waiver.
8 Feast Gold Credit Card 10 dining points on every Rs. 100 spent on dining
and movies
10 dining points = Rs. 10
Easy balance transfer
Feast shield
9 League Platinum Credit Card Get 4 free PVR tickets or 10,000 Reward Points on
spends of Rs.1,25,000 every 6 months
Earn up to 8X Reward Points on every Rs.150 spent
across all categories
Enjoy Annual Fee waiver on annual retail spends of
Rs.50,000
10 Best Price Credit Card Offers a unique benefit of a 14-day credit cycle that
starts afresh after every transaction
2 Free Add-on Cards
No joining fees
11 Royale Signature Credit Card Get up to 30,000 Bonus Reward Points on annual
retail spends of Rs.8 Lacs
Get 2 complimentary visits to airport lounges in
India in a calendar quarter
Enjoy Annual Fee waiver on annual retail spends of
Rs.1 Lac
12 PVR Kotak Gold Credit Card Get 1 free PVR ticket* every month on spends of
₹ 10,000 (each ticket up to Rs.400)
Get 2 free PVR tickets* every month on spends of
₹ 15,000 (each ticket up to Rs.400)
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Get 15% Cashback on Food and Beverages at PVR
13 PVR Kotak Platinum Credit Card Get 2 free PVR tickets* every month on spends of
₹ 10,000 (each ticket up to ₹ 400)
Get 15% Cashback on Food and Beverages at PVR
Get 5% Cashback on Movie tickets at PVR Box
Office
14 NRI Royale Signature Credit Card 2X rewards on spends outside India where 1 reward
point = Re 1/-
Freedom to purchase and pay in INR
Fuel surcharge wavier
Railway surcharge wavier
15 Urbane Gold Credit Card Earn 3X Reward Points against retail spends of
Rs.100
Get 4 PVR tickets or 10,000 Reward Points on
annual spends of Rs.1 Lac
Enjoy Annual Fee waiver on annual spends of
Rs.15,000
16 Corporate Wealth Signature Credit Card Use Kotak Corporate Wealth Signature Credit Card
and get a high cashback amount
Make the most of interest-free funds for up to a
period of 48 days, similar to an overdraft facility on
Credit Cards
Interest-free funds
Higher earnings
17 Corporate Platinum Credit Card Spend with the Corporate Platinum Credit Card and
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earn higher reward points
Get fuel surcharge waiver across all petrol pumps in
India
18 Corporate Gold Credit Card Enjoy features like real-time transaction alerts, and
free credit card replacement
Feel safe and secure with free SMS alerts
19 Privy League Signature Credit Card 4 complimentary Priority Pass visits, 16 PVR tickets
and much more
Low forex markup fees of 2% for all your
international spends
Get up to 30,000 bonus reward points on annual
retail spends of Rs. 8 Lakhs
20 Zen Signature Credit Card Earn 15 Zen points & 5 Zen points for every Rs. 150
on KayMall & non KayMall spends respectively
Get 15000 Bonus Zen points on crossing 6 lakh spends
every year
Enjoy Annual Fee waiver on annual retail spends of
Rs.1,50,000
For online: -
Log on to www.kotak.com
Click on the ‘Net Banking’ option
Enter CRN in User ID
Enter password or click on "Get Net Banking Password Online"
Click on Credit Card Tab
Click on Add-on Card
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Please fill the details as asked on the screen
Click on ‘GO’
Review the details & click ‘Confirm’
OR
SMS < ADDON > to 5676788
OR
OR
4) Debit Cards
Looking at the diversified range of customer’s needs, Kotak Mahindra bank offers a wide range
of debit cards based on their preferences. The bank has categorized their debit card rewards
centered on customers preferences such as entertainment, shopping, dining, travel and lounge
access. Depending on the needs and requirement one can choose a debit card that help them earn
extra points on the things that matter the most to them.
There are altogether 17 Debit cards that the bank provides. They are as follows: -
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3 Easy Pay Debit Card Track day-to-day expenses real-time
Pay your associates / partners conveniently
Receive monthly e-statements for each Easy Pay
Account
4 Privy League Signature Debit Card Unlimited withdrawals at all ATMs in India and
abroad
Air Accident cover upto Rs 1 crore
Personal Accidental Death Cover of up to Rs
50,000,00.
5 Classic One Debit Card Daily ATM withdrawal and purchase limit
of Rs. 10,000 each
Access to great deals and discounts online and at retail
outlets
SMS alerts for all transactions
6 RuPay Debit Card Access at all ATMs in India, look for RuPay brand
mark
Daily ATM cash withdrawal limit of Rs.10,000/-
Personal Accident Insurance of Rs.1,00,000 that
covers accidental death and total permanent
disablement
7 Privy League Platinum Debit Card Daily ATM withdrawal and purchase limits of up
to Rs. 2.5 Lakhs each
Air Accident cover upto Rs 50,000,00
Personal Accidental Death Cover of up to Rs 50 lakhs
8 Silk Platinum Debit Card Cashback of up to Rs. 4,500 p.a. on debit card spends
(T&C Apply)
Daily purchase limit of Rs. 2,00,000
ATM withdrawal limit of Rs. 40,000 (domestic) and
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Rs. 50,000 (international)
12 Rupay India Debit Card For NRI customers to withdraw cash or make
purchases across India
ATM withdrawal limit of Rs.40,000 and purchase
limit of Rs. 2 lacs
Personal Accident Insurance of Rs.2,00,000 that
covers accidental death and total permanent
disablement
13 Jifi Platinum Debit Card Access at all merchant establishments and ATMs
Available as Chip Card only which has additional
security features
Personal Accidental Death Cover of up to Rs
50,000,00.
14 Business Class Gold Debit Card Chip card provides enhanced transaction security
Complimentary insurance cover up to Rs. 23.75 Lakhs
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15 Access India Debit Card For NRI customers to withdraw cash or make
purchases across India
ATM withdrawal limit of Rs.75,000 and purchase
limit of Rs. 2 Lakhs
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5) Forex Card
Forex card is like a prepaid travel card that is loaded with foreign currency of customers choice.
This card allows us to pay in local currency in abroad and works as similar to debit and credit
cards. We can even withdraw local cash from an ATM. It is best while traveling to abroad as it
provides the facilities of paying in local currency on overseas trips. With a forex card along us
we don’t need to carry any foreign currencies in our wallet and this card is considered as one of
the safest ways to carry money on our international trip. With this card we can easily pay for
entry tickets, rail, bus passes, taxis, restaurant bills, shopping etc just by swiping or waving.
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Fees and charges
Limits
Maximum Daily ATM USD 5,000 / EURO 5,000 / GBP 5,000 / AUD 5,000 / SGD 5,000 / CHF
Cash Limit 5,000 / HKD 5,000 / CAD 5,000 / JPY 5,00,000 / SEK 5,000 / ZAR 5000 /
AED 5000 / SAR 5000
Minimum Daily ATM USD 10 / EURO 10 / GBP 10 / AUD 10 / SGD 10 / CHF 10 / HKD 10 /
Cash Limit CAD 10 / JPY 10 / SEK 10 / ZAR 10/ AED 10 / SAR 10
Maximum Daily POS USD 10,000 / EURO 10,000 / GBP 10,000 / AUD 10,000 / SGD 10,000 /
Limit CHF 10,000 / HKD 10,000 / CAD 10,000 / JPY 10,00,000 / SEK 10,000 /
ZAR 10000 / AED 10000 / SAR 10000
Minimum Daily POS USD 1 / EURO 1 / GBP 1 / AUD 1 / SGD 1 / CHF 1 / HKD 1 / CAD 1 /
Limit JPY 1 / SEK 1 / / ZAR 1 / AED 1/ SAR 1
Minimum Loading USD 1 / EURO 1 / GBP 1 / AUD 1 / SGD 1 / CHF 1 / HKD 1 / CAD 1 /
Amount JPY 1 / SEK 1 / ZAR 1 / AED 1 / SAR 1
Maximum Loading As per FEMA Limits
Amount using branch
Maximum Loading USD 5,000 daily / yearly. USD 2000 per transaction. Other currencies can
amount using Web be loaded equivalent to these limits.
Log-in
Maximum Loading USD 5,000 daily / yearly. Other currencies can be loaded equivalent to
amount these limits.
6) RTGS (Real-Time gross settlement)
Real-Time gross settlement (RTGS) is a fund transfer system that allows instant transfer of
money and/or securities. It is a continuous and fastest process of settling payments on an
individual order basis without netting debits and credits across the book of a central bank. They
are usually used for for large-value interbank funds transfers. Kotak Mahindra bank also provide
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this service to its customers. One may use this option to transfer funds to any Third Party
(Beneficiary) holding an account with a bank other than Kotak Mahindra Bank, if the
beneficiary's bank participates in RBI Real Time Gross Settlement (RBI - RTGS). These fund
transfers are executed using Reserve Bank of India's Interbank Transfer Scheme. The minimum
amount that can be transfer via this channel is Rs. 2 lakhs
Conditions: -
For requests received on any RTGS business day before 5:45 pm IST on Monday to
Friday and before 1 pm IST on Saturdays your account will be debited online and request
will be sent by us to RBI on the same day
Requests received after cut-off time or on holidays will be processed on the next RTGS
business day. Your account will be debited only when the request is processed, subject to
availability of clear funds
One can transfer money using RTGS through Mobile banking, Online Banking and visiting to
the branch physically.
Fund Transfer Type Transaction Limit Per Channel wise Daily Transaction
Beneficiary (Rs.) Limit (Rs.)
RTGS 5,00,000 10,00,000
Service Charge for outward customer transaction: - Rs2,00,000 – 5,00,000 is Rs20/ txn;
more than Rs5,00,000 is Rs 40/ txn.
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Name of the beneficiary bank, Name of the receiver, purpose for remitting.
IFSC number of the beneficiary account.
If the receiver has the same bank then the funds get transfer at the same moment on real
time but due to some delay or issue the maximum time to transfer the fund is 30 minutes.
7) Gold Loan
Nowadays its quite common to get stuck in emergency due to living high quality of life or for
any emergency. Getting loan from bank for some emergency or any other requirement has
become very easy. Kotak Mahindra bank provide attractive offers to its customers for quick and
easy financing at attractive interest rates. The purpose of providing gold loan is to wave the
customers immediate financial problem/requirement for their busines, personal needs by
assurance of gold as collateral.
The term for gold loans ranges from a few months up to 4 years, depending on how you
plan to repay it, along with different interest payment options and schemes.
It is approved almost instantly, within a maximum 4 hours; it works really well when the
need for a loan is critical.
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Gold loans generally come with a lower rate of interest than other loans, which makes it
easier to pay them back monthly /quarterly / half-yearly.
For Kotak Latest address proof (only if the address of the customer as updated in the
customers bank records is different from the address stated in this application) and
signature proof. PAN is a must, if the annual income exceeds Rs.5 lakhs as
per Regulatory guidelines.
For non-Kotak Identity Proof, Address Proof, Signature Proof (KYC Documents) and 2
customers passport size photographs
Any person with above documents above 18 Years age can apply for hassle free gold loan
process at Kotak Mahindra Bank.
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8) Loan Against Property
Now a days every person dream of having their own house. But due to high financial burden and
price hike many people dump of fulfilling their dream of buying house. To ease this problem
Kotak Mahindra bank provides a hassle free and most continent way of arranging money to by
homes on EMI. Below are the eligibility criteria, documents and feature provided by Kotak
Mahindra bank for loan application.
Features
Flexible loan facility according to the needs and criteria of the customers.
Loan amount starting from 10 lakh to 5 crores.
Loan against commercial, residential or industrial property.
Loan for personal as well business needs.
Criteria
One need to have minimum monthly income of INR Rs40,000/- and above
S/he should belong to the age bracket between 18 years and 60 years.
S/he should be an Indian resident.
S/he should hold a Graduate degree if s/he is employed with a private limited company or
partnership firm. If s/he is employed with Public limited company or MNC or
Government or Public Sector Company, then there are no such criteria.
Fees and charges
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Documentation Charges INR 10000 plus GST and Statutory dues
(Non-Refundable)
Charges for Interest Free once in a Financial Year. Thereafter, INR 250/- (plus GST and
Certificate / Account any other applicable statutory dues) per instance
Statement
Switch Fee Switch to Lower Rate (Non–Housing Loans): 0.25% of the loan
outstanding plus GST and Statutory dues
(Or)
Switch in Benchmark Index and Lowering of Floating Rate Interest:
0.40% of the loan outstanding plus GST and Statutory dues
Mandatory Documents
9) Car loan
Cars nowadays has become a necessity rather than luxury. Having a car comes with many
benefits such as freedom of movement and comfort. Cars are now treated as family member as
they are always together with us wherever we go. But purchasing a car may be quite financial
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burdensome. With Kotak Mahindra bank car loan facility, owing a car becomes more viable with
minimum effort. Kotak Mahindra bank provide new as well as used car loans, to meet the
individual requirement with flexible scheme. No matter what the car price is, with the help of
Kotak Mahindra bank’s convenient repayment options, easy processing and flexible car loan
interest rate, one can achieve the dream of owing a personal car with minimal financial burden.
Eligibility Criteria
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Delayed Payment / Late Payment Charges / Compensation / Additional 0.03
Finance Charges (Monthly)
Collection Charges for non PDC cases (per cheque) for non-payment on 500
due date
PDC swap Charges 500 per swap
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Passport
Demat account is an account that is used to hold shares and securities in electronic format.
Demat account is known as dematerialized account and purpose of it is to hold shares that
have been bought or dematerialized. It makes share trading very easy for the users during
online trading. It involves the process of converting the physical shares certificates into
electronic form, which in turn make easier to maintain and is accessible from anywhere
throughout the world. Any investor willing to trade need to open a Demat with a Depository
Participant (DP). Its main purpose is to eliminate the need for the investor to hold physical
shares certificates and facilitating a seamless tracking and monitoring of holdings.
In order to open a demat account one must have a regular bank account at Kotak
Mahindra bank.
If one has already opened a regular saving or current account, He/she need to fill the
demat account opening form and submit along with copies of the required documents and
a passport-sized photograph. He/she also need to have a PAN card. Also carry the
original documents for verification.
During the process, an In-Person Verification would be carried out. A member of the
DP’s staff would contact you to check the details provided in the demat account opening
form.
He/she must sign an agreement with the Kotak Mahindra bank on Depository prescribed
standard format, which gives the details of rights and duties of investors and DP. One
will be provided with a copy of the rules and regulations, the terms of the agreement and
the charges that he/she will incur.
Once the application is processed, the DP will provide you with a demat account number
and a client ID. He/she can use the details to access your demat account online.
Documentation required
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For individual Accounts
Identity Proof
Aadhaar card
Pan Card
Valid Passport/Driving License
Voters ID
Photo Debit/Credit Card issued by Banks
College ID card (valid till the applicant is a student)
Identity Card/Doc issued by Govt, Statutory/Regulatory Authorities,
Scheduled Commercial Banks, Public Financial Institutions, Professional Bodies such as
ICAI, ICWAI, ICSI, Bar Council etc. to their Members.
Address proof
Aadhaar
Voters ID
Utility Bills - not more than 3 months old from Date of Bill (Telephone bill - only land
line bills are acceptable)
Valid Passport/Valid Driving License
Leave & License Agreement/Sale Deed - only Registered copy
College ID Card (valid if the applicant is a student)
Identity Card/Doc issued by Govt, Statutory/Regulatory Authorities, and so on.
Conclusion
Kotak Mahindra Bank is positioning themselves as ‘the bank of the future’. The management has
ensured they serve the customer of the future as – ‘The young India’. To cater the category of
the rural population, they have strategically tied up with Micro Finance Institutions, NGO’s and
even the government. They are also initiating in reducing lending’s to the retail customers for a
short term. For a longer term, they should come up with products which would carter the
requirement of the customer as well as reduce the risk of the lending side by side. Thus, on a
whole, the ‘bank of the future’ is playing their cards smartly. They are trying best to survive
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down turn without much wounds. This proves the ability of management to guide the bank to a
better stronger future. They are continuously adopting themselves to the new emerging
technology and changes taking place. The increment in prices of buying house and other things
and to carter the need of emergency financial need of people Kotak Mahindra bank provides the
best solution for future savings and investments and also borrowing the loans. It also provides
many services like various types of debit cards, credit card, forex cards, gold loan at attractive
interest rates and so on. With these facilities and services, it sure looks forward with a strong
essence of creating the life of people easy by reducing financial burden.
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