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Have queries regarding your Kotak Bank credit card? Raise a query through any Kotak credit card customer care channels and be rest assured to get a quick response and speedy resolution. Kotak credit card customer care can be reached through domestic and international helpline numbers dedicated to Kotak credit card customer care e-mail ID , send a message through SMS service, or missed call. Read through to get comprehensive support.

Table of Contents: Kotak Credit Card Customer Care [ Hide ]

Kotak credit card customer care number (24x7 city-wise), kotak credit card missed call service, kotak credit card customer care service on sms, kotak credit card enquiries, kotak credit card international helpline number, kotak credit card grievance redressal, kotak nodal officer contact details, kotak credit card customer care postal address, other ways to connect with kotak's credit card customer care.

A credit card is a great financial tool. Its convenience and utility increase manifold if a robust customer care mechanism backs it. Kotak credit card customer care segment ensures ease of operations through quick resolutions. Kotak Bank offers numerous channels through which Kotak credit cardholders can raise queries and seek resolution, namely Kotak credit card customer care number , customer care service on SMS and through missed call, international helpline number, Kotak credit card customer care e-mail ID . Read through to understand the step-by-step procedure of each channel.

Kotak credit card customer care has a dedicated team of efficient customer care executives. The 24X7 Kotak credit card customer care number is 1860 266 2666. It is a toll-free facility. In addition to this, city-wise, Kotak credit card customer care number toll-free numbers are also available. Please keep your CRN, credit card number, and PIN handy before calling.

The list is as follows:

For reporting fraud or an unauthorized transaction in your credit card, customers can also call a dedicated 24X7  Kotak credit card customer care @   1800 209 0000.

To avail of Kotak Bank credit card missed call service, give a missed call on 9718566655. Make sure that the call is made from the registered mobile number. Once the call is made, you will instantly receive a welcome message on WhatsApp from Kotak Bank's official number 022 66006022. It will also contain all the service-related details. Proceed through WhatsApp by sending the service-related message and getting information.

You may also call 1800 274 0330, Kotak credit card missed call balance check number for balance inquiry. This is a toll-free number. After giving a missed call, an SMS is received immediately on the registered mobile number.

Missed call service can help you get information on:

• Available credit limit
• Total outstanding as of Date
• Total Amount Due as on last bill date
• Total Minimum Amount Due as on last bill date
• Date and amount of last payment received
• Due Date of the current outstanding
• Balance Outstanding

Kotak credit card customers can get the latest updates on their credit card-related queries like card balance, outstanding amount, etc., through the SMS facility. To avail of this service, cardholders must send an SMS to 9971056767 or 5676788 from the registered mobile number. Please note the SMS format varies for each inquiry. The details are listed below:

*Please note XXXX are the last 4 digits of the credit card number.

Customers can seek Kotak credit card-related clarifications by calling  Kotak bank credit card customer care number 1860-266-2666. The customer is required to specify the type of query for quick and speedy resolutions. Prospective customers, credit card applicants, and non-bank customers too can avail themselves of this facility. While a range of queries is addressed through customer care, the following are the most common credit card queries.

Loss of Credit Card: The credit card is as good as money, and so any loss or theft of the same must be immediately reported to the  Kotak credit card customer care number at 1800 209 0000 or 1860-266-2666. The bank representatives will immediately block the card after verifying your credentials. Alternatively, the cardholder may log in at  https://www.kotak.com/en/transaction-services/report-lost-card.html and report the loss or theft, as the case may be.

The customer can send an SMS 'KCCLOST  XXXX (where XXXX are the last four digits of the Credit Card number) to 5676788 and get the lost or stolen card blocked.

Issue of Replacement Card : There may be instances where the card is neither stolen nor lost but has been damaged. It is not operational because of the damage. Under such circumstances, the customer may call the  Kotak credit card

customer care number 1800-209-0000 or 1860-266-2666 and request a renewed card. The replacement card is issued in lieu of a nominal fee plus GST. A renewal card is also issued to the customer to enable them to make purchases through the Kotak credit card in the future.

Transaction Dispute : There may be instances wherein the credit card has been debited with transactions not carried out by the customer. To report such fraudulent activity, the customer can call round-the-clock  Kotak bank credit card customer care number 1800 209 0000 and report the misuse. In case the dispute is found to be genuine, the bank will reverse the transactions, and the rectification will feature in the subsequent bills.

In addition to the  Kotak Mahindra bank credit card customer care number , customers can approach the bank in varied ways. In case the matter is not urgent, the cardholder can touch base with the bank representatives through e-mail ID [email protected].

Kotak Bank also provides international customer support to its credit card customers. The Abroad Helpline Number: +91 22 6204 2001 is a chargeable number, i.e. callers will be charged for the facility availed. Alternatively, credit cardholders can call on below-mentioned toll-free international helpline numbers. The toll-free international helpline numbers are:

If a Kotak Credit Card customer has an unresolved query or grievance, they can reach out to the  Kotak Mahindra credit card customer care . The company has a well laid-out grievance redressal mechanism in place encompassing four different levels

The Level 1 grievance redressal allows customers to post their query online on  Kotak credit card customer care e-mail ID or call the  Kotak Bank credit card customer care number 1860 266 2666. The number, dedicated to the bank and credit card team, can be accessed round the clock. The customer has the option to visit the physical bank branch or write to the bank through a traditional post. The postal address is.

Kotak Mahindra Bank Ltd.

PO Box 16344, Mumbai 400013

Once the customer has complained, they will be allotted a Service Request Number. The customer will receive the exact resolution via e-mail or SMS on the registered mobile number as per the under mentioned Turn Around Time (TAT):

• Update on credit card application status: 2 Days
• Payment not reflecting in credit card account: 8 Days
• Unauthorized credit card transaction: 35 Days
• Chargeback for erroneous (non-fraud) transactions: 35 Days.

If the customer does not get a satisfactory reply within seven days of lodging a complaint, they may escalate the matter by sending an e-mail to the Service Assurance Center (Use link https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html ). The customer must mention the Service Request for speedy and accurate response.

Instead of sending an e-mail to the Service Assurance Center, the customer can also download the Grievance/Complaint form and send it by post to the under mentioned address:

Service Quality

4th Floor, Bldg No. 21,

Kotak Infiniti, Infinity Park,

Off. Western Express Highway,

General AK Vaidya Marg,

Malad (E) Mumbai-400097

The Grievance/Complaint form is available in 11 different languages and can be found at https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html.

The Grievance/Complaint form clearly mentions that the bank is the first point of redressal. In case the issue remains unresolved even after a month of lodging the complaint, the customer can escalate the matter to the Banking Ombudsman.

The customer can send an e-mail to the nodal officer Ms M. Raju (Contact details are available under the Kotak Nodal Officer Contact Details section) in case a satisfactory response from Level 2 escalation is not received within five days.  

The customer must mention the earlier status along with frontend failure points, so that appropriate resolution is possible.

The customer can approach the Principal Nodal Officer, Mr K. Vora (Senior Executive Vice President) (Contact details are available under the Kotak Nodal Officer Contact Details section) in case they do not receive a satisfactory response from Level 3 escalation within five days.

In case the customer fails to receive a satisfactory response to a query, an escalation to the Nodal Officer can be made. The Kotak Nodal Officer contact details are as follows:

1. Name: Mr K. Vora (Senior Executive Vice President)

Designation: Principal Nodal Officer

Address:  Kotak Infiniti, 4th floor, Zone 1, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (East), Mumbai – 400097

Telephone No:  +91 8879412910. Call from Monday to Friday between 10:00 am to 6:00 pm

2. Name : Ms M. Raju

Designation : Nodal Officer

Address : Kotak Infiniti, 4th Floor, Zone 4, Bldg No.21, Infinity Park, Off Western Express Highway, General AK Vaidya Marg, Malad (East), Mumbai – 400097

Telephone No : +91 8879374983. Call from Monday to Friday between 10.00 am to 6.00 pm

The address for Kotak Bank credit card customer care unit is:

Registered office: 

27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051

PO Box: 16344, Mumbai - 400013, Maharashtra, India

In addition to the Kotak customer care channels mentioned above, other ways to connect with Kotak's credit card customer care are through Keya, the AI-enabled interactive tool.

• Call Keya @ 1860-266-2666, or Kotak 811 customers can call 1860-266-0811
• Chat with Keya through weblink https://www.kotak.com/en/customer-service.html Branches and ATMs – locate your nearest bank branch to visit personally.

✅ How can I block my Kotak credit card through net banking?

To block your Kotak credit card through net banking, the steps involved are:

• Visit the Kotak Bank website
• Go to the Net- Baking Login section
• Use User ID and Password to login into your account
• Move to the 'Service Request' section
• Select the 'Report Lost Card' option
• Submit request

✅ What are the Kotak Nodal Officer contact details?

In case the customer is not satisfied with the response received, an escalation to the Nodal Officer can be done. The Kotak Nodal Officer contact details are as follows:

✅How can I connect with Kotak's credit card customer care through chatbot Keya?

Steps to co connect with Kotak's credit card customer care through chatbot Keya

• Visit Kotak Bank website
• Click on the 'Keya' logo appearing in the header bar.
• Select the query from the available options or type your own to get started.

✅ What is the Kotak bank credit card customer care number to report misuse of credit cards?

Kotak bank credit card customer care number to report the misuse of credit card is 1800 209 0000. The helpline is available 24X7.

✅ How can I activate or deactivate my Kotak credit card through the website?

To activate or deactivate your Kotak credit card through the website, follow the direct link  https://www.kotak.com/en/transaction-services/block-card.html . Keep your mobile phone handy before you proceed.

✅How to report the loss of Kotak Bank credit card through SMS?

To report loss of Kotak credit card, type KCCLOST <space> XXXX and send to 9971056767 or 5676788 from the registered mobile number. XXXX is the last four digits of your credit card.

✅ What is the Kotak credit card missed call number?

Kotak Bank's credit card missed call service number is 9718566655.

✅What is the Kotak Bank credit card customer care helpline number to report credit card fraud?

For reporting fraud or an unauthorized transaction in your credit card account, customers can call at @   1800 209 0000. This is a dedicated 24X7  Kotak credit card customer care .

Kotak Mahindra Bank Customer Care Numbers in India

Mar 18, 2024

If you’re a customer of Kotak Mahindra Bank, you understand the importance of having reliable customer care services at your disposal. Whether you have a query regarding your account, need assistance with a transaction, or want to report a fraudulent activity, Kotak Mahindra Bank ensures that you have access to prompt and efficient customer support. In this comprehensive guide, we’ll delve into the various customer care services offered by Kotak Mahindra Bank in India, including dedicated helpline numbers, email support, and grievance redressal mechanisms.

Dedicated Customer Care Numbers

Kotak Mahindra Bank provides dedicated helpline numbers for different banking products and services, ensuring that customers can easily reach out for assistance whenever needed. Here are some of the key customer care numbers provided by Kotak Mahindra Bank:

General Banking Queries: Customers can call 1800 266 2666 for any banking-related complaints or queries. This helpline number operates 24x7, ensuring round-the-clock support for customers.

Kotak 811 Customer Care: For queries related to Kotak 811 accounts, the bank offers a dedicated helpline number - 1860 266 0811. This helpline is available from 9:30 AM to 6:30 PM, Monday to Saturday.

Kotak Credit Card Queries: If you have any queries regarding Kotak credit cards or wish to apply for a new card, you can call 1800 266 2666 anytime, as this helpline operates 24x7.

24x7 Customer Care Numbers

For the convenience of customers, Kotak Mahindra Bank provides round-the-clock customer care support for various banking needs. Here are some of the 24x7 customer care numbers offered by the bank:

Basic Banking Queries: Customers can call 1860 266 2666 for basic banking queries at any time of the day.

Report Fraudulent Activity: To report any fraudulent or unauthorized activity in your Kotak account, call 1800 209 0000.

NETC Fastag: For queries related to NETC Fastag, call 1800 3006 9090.

Customer Care Email Support

In addition to helpline numbers, Kotak Mahindra Bank also offers email support for customers who prefer written communication. Customers can write to the bank at the appropriate email ID based on their query or concern. Here are some of the specific email IDs provided by Kotak Mahindra Bank:

Kotak Securities: [email protected]

Kotak Car Finance: [email protected]

Kotak SME Banking: [email protected]

Grievance Redressal Mechanism

Kotak Mahindra Bank has established a robust grievance redressal mechanism to address customer complaints and issues effectively. The mechanism consists of three levels, allowing customers to escalate their concerns if they are not satisfied with the resolution provided at a lower level. Let’s explore each level of the grievance redressal mechanism:

Level 1: Customers can file complaints or queries through the bank’s official website. If you're facing any issues with your banking transactions or services, you can reach out to the Kotak Mahindra Bank customer care team using the provided link.

Nodal Officer Escalation

If you find that your concern has not been adequately addressed at Level 1 or if you are dissatisfied with the response received, you have the option to escalate the issue to the Nodal Officer of Kotak Mahindra Bank. The Nodal Officer acts as a higher authority responsible for reviewing and resolving escalated complaints in a timely manner.

To escalate your grievance to the Nodal Officer, you can follow these steps:

Draft an Email: Compose a detailed email explaining the nature of your grievance, including relevant details such as your account information, transaction IDs, and previous communication with the bank's customer care team.

Address the Email: Address the email to the designated Nodal Officer of Kotak Mahindra Bank. As of the latest information available, the Nodal Officer is Ms. M. Raju. Ensure that you use the correct email address provided by the bank for escalation purposes.

Include Contact Information: Provide your contact information, including your phone number and email address, so that the Nodal Officer can reach out to you for further clarification or resolution.

Attach Supporting Documents: If applicable, attach any relevant documents or evidence supporting your grievance to the email. This may include screenshots, transaction receipts, or correspondence with the bank.

Send the Email: Once you have finalized the email, send it to the designated email address of the Nodal Officer. You may receive an acknowledgment of receipt, and the bank will initiate an investigation into your grievance.

Contact Details of Nodal Officer:

Name: Ms. M. Raju

Address: Kotak Infiniti, 4th Floor, Zone 4, Bldg No.21, Infinity Park, Off Western express Highway, General AK Vaidya Marg, Malad (E), Mumbai – 400097

Telephone No: (080) 69428500

Availability: Monday to Friday, 10:00 AM to 6:00 PM (excluding bank holidays)

Alternatively, you can use the provided link on the bank's website to directly reach out to the Nodal Officer for grievance redressal. This ensures a streamlined process for escalating your concern and seeking a resolution from the higher authorities within Kotak Mahindra Bank.

Level 3: Principal Nodal Officer Escalation

In rare cases where your grievance remains unresolved even after escalating it to the Nodal Officer, you have the option to further escalate the issue to the Principal Nodal Officer of Kotak Mahindra Bank. The Principal Nodal Officer holds the highest authority within the bank's grievance redressal hierarchy and is responsible for overseeing the resolution of complex or escalated complaints.

To escalate your grievance to the Principal Nodal Officer, you can follow a similar process as outlined for Level 2 escalation:

Draft an Email: Compose a detailed email addressing your grievance and dissatisfaction with the resolution provided at the previous levels of escalation.

Address the Email: Address the email to the designated Principal Nodal Officer of Kotak Mahindra Bank. As per the latest information, the Principal Nodal Officer is Mr. K. Vora.

Provide Contact Information: Include your contact details in the email so that the Principal Nodal Officer can reach out to you for further discussion or clarification regarding your grievance.

Attach Supporting Documents: Attach any relevant documents or evidence supporting your grievance to the email, similar to Level 2 escalation.

Send the Email: Once you have finalized the email, send it to the designated email address of the Principal Nodal Officer. Ensure that you use the correct email address provided by the bank for escalation purposes.

Contact Details of Principal Nodal Officer:

Name: Mr. K. Vora

Address: Kotak Infiniti, 4th Floor, Zone 1, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097

Telephone No: (080) 69428600

Similar to Level 2 escalation, you can also use the provided link on the bank's website to directly reach out to the Principal Nodal Officer for grievance redressal. By escalating your concern to the Principal Nodal Officer, you can seek a final resolution to your grievance and ensure that your voice is heard at the highest level within Kotak Mahindra Bank's grievance redressal framework.

Exploring Additional Customer Care Numbers and Resources

While Kotak Mahindra Bank offers comprehensive customer care services, it's also essential to be aware of similar services provided by other banks. Here's a look at some customer care numbers for other prominent banks in India:

State Bank of India (SBI)

Customer Care Number: 1800 425 3800 / 1800 112 211 (toll-free)

Email Support: [email protected]

Grievance Redressal: SBI provides a structured grievance redressal mechanism similar to Kotak Mahindra Bank. Customers can escalate their concerns through various levels, including regional nodal officers and the banking ombudsman.

Customer Care Number: 1800 200 3344 / 1800 103 8181 (toll-free)

Email Support: [email protected]

Grievance Redressal: ICICI Bank offers a dedicated online platform for grievance redressal, allowing customers to escalate their concerns to higher authorities if needed.

Customer Care Number: 1800 266 4332 (toll-free)

Email Support: [email protected]

Grievance Redressal: HDFC Bank provides multiple channels for grievance redressal, including phone, email, and online submission. Customers can escalate their concerns to higher levels if not resolved satisfactorily.

Customer Care Number: 1860 419 5555 / 1860 500 5555

Email Support: [email protected]

Grievance Redressal: Axis Bank follows a structured grievance redressal process, allowing customers to escalate their concerns through various levels, including the Principal Nodal Officer and the banking ombudsman.

Bank of Baroda

Customer Care Number: 1800 102 4455 / 1800 258 4455

Email Support: [email protected]

Grievance Redressal: Bank of Baroda provides a dedicated portal for grievance redressal, enabling customers to submit their complaints online and track the status of their complaints.

In addition to Kotak Mahindra Bank, several other banks in India offer robust customer care services and grievance redressal mechanisms to ensure customer satisfaction. By being aware of the customer care numbers and support channels provided by different banks, customers can easily seek assistance and address their concerns regarding banking services. Whether it's resolving a query, reporting a fraudulent activity, or escalating a complaint, banks strive to provide prompt and efficient support to enhance the overall banking experience for their customers.

FAQs 🤔

How can i contact kotak mahindra bank customer care.

You can reach Kotak Mahindra Bank customer care at 1800 266 2666, available 24x7.

What is the dedicated helpline for Kotak 811 customers?

For Kotak 811 customers, the helpline number is 1860 266 0811, operational from 9:30 AM to 6:30 PM (Monday – Saturday, excluding holidays).

How can I report fraudulent activity in my Kotak account?

To report fraudulent or unauthorized activity, call 1800 209 0000.

What are the Kotak Mahindra Bank RTGS timings?

RTGS services are available on working days from 7 AM to 7 PM, and online CMS channel operates until 9:30 PM.

How do I escalate my grievance beyond the customer care team?

If unsatisfied with the resolution at Level 1, escalate to the Nodal Officer (Level 2), and if needed, further escalate to the Principal Nodal Officer (Level 3).

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Kotak Mahindra Bank Credit Card Customer Care Number/ Email ID

Kotak Mahindra Bank 24/7 Customer Helpline

Kotak Mahindra Bank customers can reach out to the customer service with queries and complaints at the 24/7 customer helpline number. The customer can request assistance by calling the below-mentioned number and ask for help related to banking and credit card queries.

• For Banking and Credit card-related calls the customers can call at the above-mentioned number anytime
• For 811 related queries, the customers can call the above-mentioned number between Monday to Saturday between 9:30 am to 6:30 pm.
• For information related to loans, the customer can reach out at the above-mentioned number between Monday to Saturday between 9:30 am to 6:30 pm.

Kotak Mahindra Bank Customer Care for NRI Customers

International customers can contact the 24/7 toll-free customer helpline numbers to request service. These are specific country-based helpline numbers for the Kotak Mahindra Bank customer living abroad.

• Foreign customers can also use the abroad helpline number at (+91 22 6204 2001) to request service. The customer will be charged per the rate applicable.
• Corporate bank customers can contact only during business hours.

How to report fraudulent transactions on your Kotak Mahindra Bank Credit Card?

Kotak Mahindra Bank customers can report fraudulent transactions on their Kotak Mahindra credit card by reaching out at 1800 209 0000. This customer helpline number is operational 24/7 to report any unauthorized transaction made using your Kotak Mahindra Bank credit card.

Kotak Mahindra Bank SMS Service

Kotak Mahindra Bank customers can use the SMS service to get necessary information related to their credit cards. The bank customer can simply send an SMS to the Kotak Mahindra Bank at 5676788 or 997 105 6767 from your registered mobile number.

Kotak Mahindra Bank Customer Care Email ID

Kotak Mahindra Bank customers can write an e-mail requesting service in case of any queries and complaints. Provided below is the list of emails as per the service rendered.

Banking through WhatsApp by Kotak Mahindra Bank

Kotak Mahindra Bank also Whatsapp banking to its customers through which you can all get information or raise queries related to banking or credit cards. All you need to do is give a missed call on 9718566655 through to registered mobile number with the bank. Then, add this number 022 6600 6022 in your contacts. Send the Message ‘help’ on the mentioned number through your WhatsApp. Follow the screen instruction and enter the OTP received on your registered mobile number.

Kotak Mahindra Bank Registered Office

You can also reach out to the Kotak Mahindra Bank registered office with your queries or request assistance from the bank. The Kotak Mahindra bank registered office address is mentioned below.

Registered Office27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai – 400051

You can email [email protected] to report any security-related issues, scams, or vulnerabilities involving Kotak Mahindra Bank systems and services.

Grievance Redressal

In case you with the response provided by them with respect to the service provided by the bank you can always reach out to the Kotak Mahindra Bank grievance redressal with your problem. Kotak Mahindra Bank 4-level tiered grievance mechanism to provide a solution to the issues raised by the customer.

Level 1 : You can submit your complaint by requesting service through net banking, calling customer care, visiting the nearest branch, or through courier.

Level 2 : In case your query is still unresolved, you can write a mail to the Service Assurance center or fill the grievance redressal forum.

Level 3 : If you did not get a satisfactory response to your query you can get in touch with the nodal officer.

Name Mrs. T. Kamat. Address: Kotak Infinity, 5th floor, Zone I, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097 Mon to Fri (10.00 am to 6.00 pm)*

Level 4 : You can reach out to the principal nodal officer if the issue is still unresolved by the bank at below-mentioned address

Name: Mr. Kamlesh Vora Address: Kotak Infinity, 5th floor, Zone-II, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097 Mon to Fri (10.00 am to 6.00 pm)*

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Kotak Mahindra Bank Credit Card Customer Care

Kotak Credit Card Customer Care offers seamless and immediate assistance if you have any issues or discrepancies with your Kotak Credit Card, such as blocking the credit card, bill payment, credit card amount limit, and so on.

To obtain a timely solution to any credit card-related questions, call the Kotak credit card customer care number, 1860 266 2666 (Helpline Number). This number is available to consumers in India from 9 am to 6 pm, Monday through Friday, except on holidays. It cannot be accessed from outside the country.

Kotak Mahindra Bank Credit Card Customer Care Number

Kotak Bank credit card customer care, which are available 24 hours a day, are-

Kotak Credit Card Customer Care Number City-Wise

Kotak Mahindra Credit Card Customer Care Number for International Customers

For any credit card-related questions, NRI consumers can call the international hotline number +91 22 6600 6022.

Customers residing in any country other than India can access it 24 hours a day, seven days a week. The number is toll-free, but local fees will apply. The bank also maintains country-specific Kotak credit card toll free number (service numbers) dedicated to NRIs from certain countries.

These are the following-

Kotak Credit Card Customer Care Email ID

Kotak Mahindra Bank does not have an official Kotak customer care email id. You could get in touch with the customer support of the bank via the following online email forms-

• To contact Kotak Mahindra Bank, you need to visit - https://www.kotak.com/en/customer-service/contact-us/email-us/kotak-mahindra-bank/other.html
• In order to report unsolved queries, please visit https://www.kotak.com/en/forms/unresolved-queries.html
• The credit card security and fraud inquiries should be directed to [email protected] .

Kotak Mahindra Credit Card Customer Care for SMS Banking

SMS requests should be sent to 9971056767 or 5676788 from your registered cell phone. SMS charges are standard.

Grievance Redressal

If the customer service representatives are unable to fix your problem or you are not satisfied with the responses, you can escalate the case to the grievance redressal team. Kotak Mahindra Bank has 4 tiers of grievance redressal.

These are the following:

You will receive a response within 7 working days.

• Fill out this form to register your complaint- https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking.html
• Mail your complaint to the Net Banking inbox section. To log in, go to https://www.kotak.com/j1001mp/netapp/MainPage.jsp MAIL=TRUE .
• To talk with a customer service representative - you will have to call 1860 266 2666 .
• Visit a Kotak Mahindra Bank branch near you. To find a branch near you, go to https://www.kotak.com/en/reach-us.html .
• Please send a letter to Kotak Mahindra Bank Ltd. Mumbai, Maharashtra, India.

You will get a response within 5 working days.

• Use this form for the Kotak customer care email your query or complaint to the Service Assurance Centre- https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html
• Fill out the Grievance Redressal Form, which can be downloaded from Kotak Mahindra's website, and mail it to the address listed on it.

You will get a reply within 5 working days.

• Send an email to the bank's Nodal Officer using this form - https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-3.html .
• Jot down your complaint in detail and send it to his postal address.

Ombudsman for Banking

When you are not satisfied with the resolution offered by Kotak Bank's Grievance Redressal Unit or if the customer service unit fails to provide you with a resolution within 30 days, you can file a review request with the Banking Ombudsman.

Banking Ombudsman at these Addresses

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Sarjapur Main Road, Bellandur

Bengaluru – 560103

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Kotak group fund transacted in Adani Enterprises shares

Sebi’s show-cause notice mentions investment advisory agreement between kingdon capital and kotak mahindra international.

By Janaki Krishnan

• Adani Enterprises Ltd

A foreign portfolio investor belonging to the Kotak group, K India Opportunities Fund Class F, traded in the futures of Adani Enterprises a few days prior to the publication of a report on Adani group by Hindenburg Research and Kotak Mahindra International Ltd, a subsidiary of Kotak Mahindra Bank, was the investment manager for the trades, a SEBI investigation document has showed.

K India Opportunities Fund Class F, managed by Kotak Mahindra International, is one of the noticees in a SEBI show cause issued to Hindenburg Research for violating Indian regulations last year, in the matter of shares of Adani Enterprises.

The trading decisions for the FPI were made by Kingdon Capital, the investment advisor to Kotak Mahindra International and a client of Hindenburg Research. The Sebi show cause notice contained all these disclosures. A link to the show cause notice was available on Hindenburg’s website.

In page 10 of the show-cause notice SEBI has mentioned the investment advisory agreement between Kingdon Capital and Kotak Mahindra International, which it subsequently referred to as KMIL.

In a clarification Kotak Mahindra Bank said, “ K- India Opportunities Fund is a SEBI registered Foreign Portfolio Investor and is regulated by the Financial Services Commission of Mauritius. The Fund, was established in 2013 to enable foreign clients to invest in India. The Fund follows due KYC procedures while onboarding clients and all its investments are made in accordance with all applicable laws. We have cooperated with regulators in relation to our operations and continue to do so.”

“Kotak Mahindra International Limited (KMIL) and KIOF unequivocally state that Hindenburg has never been a client of the firm nor has it ever been an investor in the Fund. The Fund was never aware that Hindenburg was a partner of any of its investors. KMIL has also received a confirmation and declaration from the Fund’s investor that its investments were made as a principal and not on behalf of any other person.“ It added that the transactions were made by the fund on the advice, and for the benefit, of its investor Kingdon Capital.

• Also read: Hindenburg says it made only $4 million by shorting Adani stocks & bonds

According to SEBI, Hindenburg Research had shared a draft of the report on the Adani Group with Kingdon Capital prior to its publication. Kingdon Capital is majority held by Mark Kingdon, who was also the ultimate beneficiary owner of an offshore master fund that subscribed to the shares of KIOF, which had taken short position in the futures of Adani Enterprises. Kingdon along with his family members had a 58.8 per cent beneficial interest in KIOF Class F.

In the notice issued to Hindenburg Research, where SEBI described the way the trading was done, it said that post publication of the report in January 2023 the FPI squared off its  short position, making significant profit of $22.25 million. It said the short position by KIOF in Adani Enterprises futures were taken based on the draft of the Hindenburg report made available to it prior to it being made public.

“This shows that the FPI had advance knowledge of the timing of publication of the report,” the Sebi notice said. After the short positions were squared off the KIOF remitted $54 million to the master fund.

The report also mentioned that both Kingdon Capital and KIOF Class F were aware of the timing of the Hindenburg Report in advance.

Kotak Bank however said neither the fund nor KMIL were aware that Kingdon entities, had any association with Hindenburg and they had no prior knowledge of the publication of the Hindenburg report. “We deny any allegation of being aware of such report or acting in collusion in any manner with Kingdon or Hindenburg.”

KMIL had an undertaking from Kingdon Capital that transactions recommended by it were as a principal for the master fund account and not as an agent, nominee, or trustee of any other entity. SEBI said Kingdon Capital was giving investment advice for trades of KIOF Class F without charging any fee to KMIL.

• Also read: Hindenburg receives show cause notice from SEBI for violating Indian regulations

According to Kotak Bank’s FY23 annual report, Kotak Mahindra International acts as an investment manager to various funds which predominantly invest into equity and debt capital markets in India (including private equity strategies).

Hindenburg Research, in its response to SEBI’s show-cause, said the notice had conspicuously failed to name Kotak Bank, “one of India’s largest banks and brokerage firms founded by Uday Kotak, which created and oversaw the offshore fund structure used by our investor partner to bet against Adani.”

“We suspect SEBI’s lack of mention of Kotak, or any other Kotak board member may be meant to protect yet another powerful Indian businessman from the prospect of scrutiny, a role SEBI seems to embrace,” the hedge fund said. It did not specify who the ‘businessman’ was.

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Kotak Mahindra Bank Customer Care Number | Customer Care Toll Free No

Kotak Mahindra Bank Customer Care is a specialized service designed to enhance the banking experience for its valued customers. This dedicated support is easily accessible to Kotak Mahindra Bank customers and account holders through various channels, including phone calls, SMS, missed calls, and email. The customer care services cater to the diverse needs of account holders across different branches nationwide, ensuring efficient and personalized assistance for a seamless banking experience.

Kotak Mahindra Bank Customer Care Number Details

Find below Kotak Mahindra Bank customer care number, contact number & enquiry number in India:

• Bank Name - Kotak Mahindra Bank Limited
• Missed Call No. - 18002740110
• Customer Care No. - 18602662666
• Website - Www.kotak.com
• Email - [email protected]
• Working Hovers - Monday to Friday: 10 AM to 4 PM, Saturday - 10 AM to 4 PM (Except 2nd and 4th Saturday)
• Mode Of Payment - Cash, Cheque, Demand Draft & Net Banking
• Services - RTGS, NEFT, IMPS, Utility Bill Payment, UPI, SMS Alert, ATM/Debit Card
• Benefits - Interest Rate Advantage to Senior Citizen, Free Collection, Net Banking, E-Payment of Taxes

Kotak Mahindra Bank Contact Information: Discover the customer support details for Kotak Mahindra Bank Limited, including both phone numbers and physical addresses. Feel free to connect with the following contacts for any inquiries regarding new Kotak Mahindra Bank savings accounts, credit cards, personal or education loans, auto loans, mutual funds, and more. In addition to contact information, this page provides insights into the various services offered by Kotak Mahindra Bank. The bank is committed to providing these essential services seamlessly, ensuring customers can access and utilize them effortlessly. For any assistance or queries, customers can refer to the provided list of customer care numbers and email IDs to conveniently access the services they need.

Kotak Mahindra Bank Branch Wise Customer Care Number

Loan Services

Highest fd rates, senior citizen fd rates.

Kotak Mahindra Bank Credit Card Customer Care Number

Kotak Mahindra Bank Credit Card Customer Care is your go-to source for immediate assistance with any concerns related to your Kotak Credit Card. Whether you are facing issues like blocking your credit card, making bill payments, or have questions about your credit card limit, the customer care team is here to help.

Table of Contents

To access the Kotak Credit Card Customer Care services, you can dial 1860 266 2666 (Helpline Number). This dedicated helpline operates from 9 am to 6 pm, Monday through Friday, excluding holidays. Please note that this number is only accessible within India and cannot be reached from abroad.

Kotak Mahindra Bank 24/7 Support

For those who require assistance beyond the regular business hours, Kotak Bank offers 24/7 support for various services, including credit cards, fraud reporting, personal loans, payday loans, and more. Here are the key contact details:

• Credit Card and Bank Support: Dial 1860 266 2666 for round-the-clock assistance.
• Fraud and Unauthorized Transactions: Call 1800 209 0000 anytime, day or night.
• Personal, Home Loan, Payday: Reach out to 1860 266 2666 from 9:00 am to 7:00 pm.
• NETC Fastag Support (Local Call Charges Applied): Call 1860 2666 888 from 9:00 am to 6:30 pm, seven days a week.
• NETC Fastag Toll-Free Number: Contact 1800 3006 9090 for assistance from 9:00 am to 6:30 pm, seven days a week.
• 811 Support: Call 1860 266 0811 between 9:30 am to 6:30 pm.
• Consumer Durable Loan, Smart EMI Card, and More: Dial 1860 266 7777 from 10:00 am to 7:00 pm.

Kotak Credit Card Customer Care Number City-Wise

Depending on your location, you can contact Kotak Mahindra Bank Credit Card Customer Care using these city-specific numbers:

Kotak Mahindra Credit Card Customer Care for International Customers

If you are an NRI or residing outside India, you can still access Kotak Mahindra Bank’s customer care services. Simply call the international hotline number +91 22 6600 6022. This number is available 24/7, and while it’s toll-free, local charges may apply. Moreover, the bank provides country-specific toll-free numbers dedicated to NRIs from certain countries, including Australia, the UK, the USA, Canada, Singapore, and Hong Kong.

Kotak Credit Card Customer Care Email ID

While Kotak Mahindra Bank doesn’t have a specific email ID for customer care, you can contact their support through online email forms. Visit Kotak Mahindra Bank’s official website to access these forms. Additionally, for security and fraud-related inquiries, you can reach out to [email protected] .

Kotak Mahindra Credit Card Customer Care for SMS Banking

If you prefer SMS communication, you can send your requests to 9971056767 or 5676788 from your registered mobile number. Standard SMS charges will apply. Here are some useful transaction types you can initiate via SMS:

Grievance Redressal at Kotak Mahindra Bank

In case you encounter any issues that aren’t resolved to your satisfaction or if you’re not happy with the responses from customer service representatives, you can escalate your case to the grievance redressal team. Kotak Mahindra Bank has a structured grievance redressal process with four levels:

• Expect a response within 7 working days.
• Register your complaint here.
• Mail your complaint to the Net Banking inbox section.
• Visit a Kotak Mahindra Bank branch near you.
• Send a letter to Kotak Mahindra Bank Ltd. Mumbai, Maharashtra, India.
• Anticipate a response within 5 working days.
• Email your query or complaint to the Service Assurance Centre here.
• Fill out the Grievance Redressal Form, available on Kotak Mahindra’s website, and mail it to the provided address.
• Expect a reply within 5 working days.
• Send an email to the bank’s Nodal Officer using this form.
• Provide detailed information about your complaint and send it to the postal address mentioned.
• You should receive a response at this level within 5 working days.
• Send your mail to the Principal Nodal Officer using this form.
• Mail a letter with your complaint to the provided postal address.

Ombudsman for Banking

If you are still unsatisfied with the resolution offered by Kotak Bank’s Grievance Redressal Unit or if they fail to provide a resolution within 30 days, you can file a review request with the Banking Ombudsman. Here are the addresses for various Ombudsman centers:

• New Delhi (I)
• Bhubaneswar
• Thiruvananthapuram
• New Delhi (II)

Kotak Mahindra Bank is dedicated to ensuring customer satisfaction and prompt issue resolution. If you ever encounter any problems with your Kotak Credit Card or other banking services, rest assured that their customer care and grievance redressal teams are there to assist you every step of the way.

What is Kotak Mahindra Bank Credit Card Customer Care?

Kotak Mahindra Bank Credit Card Customer Care is a dedicated service that offers assistance with various credit card-related queries and issues, such as card blocking, bill payments, and credit limit inquiries.

What is the helpline number for Kotak Credit Card Customer Care in India?

You can reach Kotak Credit Card Customer Care in India by dialing 1860 266 2666 from 9 am to 6 pm, Monday through Friday, excluding holidays.

Are there 24/7 customer support options for Kotak Mahindra Bank services?

Yes, Kotak Bank provides 24/7 support for various services, including credit cards, fraud reporting, personal loans, and more. Refer to the article for specific contact details.

How can international customers reach Kotak Mahindra Bank’s customer care?

International customers can call +91 22 6600 6022, which is available 24/7. The bank also offers country-specific toll-free numbers for NRIs.

What should I do if my grievance is not resolved by Kotak Mahindra Bank’s customer care?

If your issue is not resolved to your satisfaction, you can escalate it through the bank’s grievance redressal process, which includes four levels of support. If necessary, you can also approach the Banking Ombudsman.

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All Customer Care

Kotak Bank Customer Care Number: A Comprehensive Guide

In this article, we’ll cover everything you need to know about Kotak Bank customer care number, including how to reach them, the services they offer, and more.As one of the most popular private banks in India, Kotak Mahindra Bank has a strong reputation for providing reliable banking services to its customers. However, like any other financial institution, there may be times when you need to contact their customer care team for assistance with your account or to resolve any issues.

Table of Contents

Introduction to Kotak Bank and the importance of customer care

Kotak Mahindra Bank is a private sector bank that offers a comprehensive range of banking and financial services to customers in India. The bank has a strong presence across the country, with over 1,600 branches and 2,500 ATMs. Kotak Bank’s customer care team is an essential resource for customers who require assistance with their accounts or have queries related to the bank’s products and services.

The customer care team at Kotak Bank is trained to provide prompt and efficient support to customers. Whether you have a query related to your account balance, need help with a transaction, or have a complaint, the customer care team is available to assist you.

Kotak Bank customer care number, Email, Website, Office Address

Kotak bank customer care number for banking queries.

If you have a query related to your Kotak Bank savings or current account, you can call the following customer care numbers:

• For banking services, call 1 860 266 2666 or 1860 266 0811 (timings: 24×7)
• For NRI banking services, call +91 22 6600 6022 (timings: Monday to Saturday, 9:30 am to 6:30 pm)

Kotak Bank customer care number for credit card queries

If you have a query related to your Kotak Bank credit card, you can call the following customer care numbers:

For credit card services, call 1860 266 2666 or 1860 266 0811 (timings: 24×7)

For NRI credit card services, call +91 22 6600 6022 (timings: Monday to Saturday)

Kotak Bank customer care number for demat account queries

If you have a query related to your Kotak Securities demat account, you can call the following customer care number:

For demat account services, call 1800 209 9191 (timings: Monday to Friday, 8 am to 6 pm)

Kotak Bank customer care number for loan queries

If you have a query related to your Kotak Bank loan, you can call the following customer care numbers:

• For personal loan, call 1860 266 2666 (timings: 24×7)
• For home loan, call 1860 266 2666 (timings: 24×7)
• For car loan, call 1860 266 2666 (timings: 24×7)
• For other loans, call 1800 102 6022 (timings: Monday to Saturday, 9:30 am to 6:30 pm)

Kotak Bank Customer Care Email id

Kotak Bank Official Website

www.kotak.com

Registered Office Address

Kotak Mahindra Bank

Registered Office27 BKC, C 27,

G Block,Bandra Kurla Complex,

Bandra (E), Mumbai – 400051

Customer Care For NRI Customers

Kotak bank has Different Customer Care numbers for NRI customers and for customers from abroad.Here are customer care numbers for different countries. Customers can call following toll free numbers from different countries.

Also Read Canara Bank Customer Care Number – Click Here To Read

Different ways to contact Kotak Bank customer care

Kotak Bank offers several convenient channels for customers to get in touch with the customer care team. These include:

Customers can call the customer care number to speak to a representative and get assistance with their queries. Kotak Bank has dedicated customer care numbers for different types of queries, as discussed in the next sections.

Customers can also send an email to the customer care team to get assistance with their queries. The email address for customer care is [email protected] .

Kotak Bank also offers a live chat feature on its website and mobile app, where customers can chat with a representative and get help with their queries.

Branch Visit

Customers can visit their nearest Kotak Bank branch and speak to a customer care executive in person.

Other ways to contact Kotak Bank customer care

Apart from the above methods, customers can also contact Kotak Bank customer care through the following channels:

Social media

Customers can reach out to Kotak Bank on its official social media pages on Facebook, Twitter, and LinkedIn.

Customers can also use the WhatsApp chatbot feature on the Kotak Bank website to get assistance with their queries.

Customers can use the Interactive Voice Response (IVR) system to get information about their accounts or transactions.

Also Read IDFC First Bank Customer Care Number, Email, Whats app – Click here To Read

Escalating complaints to Kotak Bank’s grievance redressal cell

If you are not satisfied with the resolution provided by the customer care team, you can escalate your complaint to Kotak Bank’s grievance redressal cell. The cell is responsible for addressing customer complaints and ensuring a fair and prompt resolution. You can reach out to the grievance redressal cell through the following channels:

Call the toll-free number 1800 209 5600 (timings: Monday to Friday, 10 am to 6 pm)

Send an email to [email protected] Online form: Fill out the online grievance redressal form available on the Kotak Bank website.

In conclusion, Kotak Bank customer care is a vital resource for customers who require assistance with their accounts or have queries related to the bank’s products and services. The bank offers several convenient channels for customers to get in touch with the customer care team, including phone, email, chat, and branch visit. Customers can also escalate their complaints to Kotak Bank’s grievance redressal cell if they are not satisfied with the resolution provided by the customer care team. We hope that this article has provided you with the necessary information regarding Kotak Bank customer care Number.

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FAQs – Kotak Bank Customer Care Number

Q – what is the kotak bank customer care number for general banking services.

Ans – The Kotak Bank customer care number for general banking services is 1860 266 2666.

Q – What is the Kotak Bank customer care email for debit card queries?

Ans – The Kotak Bank customer care email for debit card queries is [email protected].

How can I chat with the Kotak Bank customer care team?

Ans – You can chat with the Kotak Bank customer care team through the chatbot feature on the Kotak Bank website, the WhatsApp chatbot feature on the website, or the Kotak Bank mobile app.

Q – What is the Kotak Bank customer care number for demat account queries?

Ans – The Kotak Bank customer care number for demat account queries is 1800 209 9191.

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Kotak Mahindra Bank Care: How to File a Complaint to Kotak Mahindra Bank Limited?

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Kotak Mahindra Bank Limited is an India-based private bank, established in 2003 after receiving a banking license from the Reserve Bank of India. It is headquartered in Mumbai, Maharashtra. The major banking services offered by Kotak Bank are personal (consumer), commercial, and corporate (business) banking including Treasury and Foreign Exchange.

The bank is serving across the rural and urban regions in India. Additional financial services are Mutual Funds, Insurance, Trading & Securities, and Capital & Asset Management.

Subsidiaries of the Kotak are:

• Kotak Securities Limited (KSL)
• Kotak Mahindra General Insurance Company Ltd KMGICL)
• Kotak Mahindra Capital Company (KMCC)
• Kotak Mahindra Prime Ltd (KMPL)
• Kotak International Business
• Kotak Mahindra Asset Management Company Limited (KMAMC)
• Kotak Investment Advisors Ltd (KIAL)
• Kotal Mahindra Life Insurance Company Limited

Have complaints about the banking services of Kotak Mahindra Bank? Yes! Call the toll-free Kotak customer care number, email, or WhatsApp to raise your concerns. Additionally, file a banking complaint online via the grievance redressal platform.

Dissatisfied or not resolved? Escalate the complaint to the appointed Nodal Officer, Kotak Mahindra Bank. Further, escalate the disputed matter to the Principal Nodal Officer.

Yet not satisfied? You can file a complaint against the bank to the Banking Ombudsman of the Reserve Bank of India (RBI). Submit your disputed matter to the Ombudsman with reference/acknowledgement details.

How to Register a Banking Complaint to Kotak Mahindra Bank?

According to the grievance redressal policy of Kotak Mahindra Bank (KMB), the complaint resolution mechanism has 3 tiers. If the submitted complaint is not resolved at the particular level then escalate the case to the next level. Customers can lodge complaints online as well as offline by visiting the branch office.

Complaint Registration Fee & Redressal Time Limit:

3 Levels of lodging complaints:

• Toll-free helpline number
• WhatsApp or Email
• Online complaint registration
• Write a complaint letter (Branch)
• Level 2 : Escalate to Nodal Officer, Kotak Bank
• Level 3 : Escalate the case to Principal Nodal Officer, Head Office

Still, dissatisfied or not resolved within 30 days? In this condition, file a complaint against Kotak Mahindra Bank to the Banking Ombudsman, RBI with appropriate information on the disputed matter.

Turnaround Time (TAT)

For the major banking complaints, the turnaround time (TAT) of the Kotak Mahindra Bank:

For more details, read the grievance policy.

Level 1: Kotak Mahindra Bank Care

In level 1, customers can initial a complaint first time by contacting the Kotak Mahindra Bank Customer Care Executives or appointed officials within the branch. For this, dial the toll-free number, chat through WhatsApp number, or Email the disputed matter. Also, file your complaint online or chat via Keya Chatbot.

1. Kotak Bank Customer Care Number

Call the banking helpline number of the respective departments to register a complaint with the customer care executive or get support to resolve a query about the product & service.

Provide these details:

• Name of the complainant
• Nature of complaint
• Description of the issue
• Supporting facts (if any)

Alert – Do not share any financially and personally sensitive information including Card and OTP details to customer care executives even to bank officials. Protect yourself from cyber fraud/scams.

Call Phone Banking Officers of Kotak Mahindra Bank to File a Complaint:

After successful registration, ask for the reference/ticket number to track the status. Alternatively, you may get it through the registered email or mobile number. If not resolved, use it to escalate the case to higher authorities.

Kotak Bank Loan Customer Care Number:

Note – If complaints are not resolved within 7 days or dissatisfied with the final resolution then escalate the grievance to the appointed Nodal Officer at level 2.

SME Business/Corporate

Kotak Mahindra Bank Business and Corporate Customer Care Numbers:

Corporate Contact number:

Kotak Private Banking

Private banking customer care number:

Kotak Privy League

Customer Care Number and Email for the Members of Kotak Privy League Account:

Investor Contact Number

Toll-free number and email for the grievances related to Investors of Kotak Mahindra Bank:

2. NRI Banking Customer Care

NRI (Non-Resident Indian) banking and Kotak Multi Currency World Travel Card Customer Care Number:

International Toll-free number:

Note – Still not resolved as per your satisfaction? Escalate your disputed matter to the appointed Nodal Officer of Kotak Mahindra Bank.

3. File a complaint online

Want to file a complaint online to Kotak Mahindra Bank? Don’t worry, it is an easy and transparent way to submit an issue with the bank. You can email or file a banking complaint online through the online web form and grievance registration platform of the bank.

To submit a complaint online, must provide:

• Name, mobile no., and email of the complainant
• The category of the issue
• CRN (Customer Relation Number)
• Description of the complaint with facts
• Attach supporting documents (if any)

Note down the reference/ticket number of the submitted complaint to track the status or use it to escalate the unresolved case to higher authorities of the bank at level 2.

1. Details to lodge a complaint online with Kotak Mahindra Bank:

Note – If your submitted complaint is not resolved within 7 days as per your satisfaction, escalate it to the Nodal Officer or write to the Zonal Manager of your Kotak branch office.

Also, report online the disputes related to:

• NRI banking
• Privileged services
• Private banking
• Commercial banking
• Wholesale Banking
• Custody Services
• ATM services

2. Additional ways to submit a complaint online:

3. Social Channels:

Need more information? You may read the grievance redressal policy of the bank mentioned above to clarify your doubts or contact the customer care team of the bank. Further, you can escalate the grievance to the level 2 officer.

Level 2: Nodal Officer, Kotak Mahindra Bank

Has your complaint not been resolved within 7 days? You should escalate the complaint to Level 2. If your submitted complaint is not resolved within 2 to 7 days or do not get a satisfactory response from Kotak Customer Care or Branch Manager then escalate the disputed matter to the appointed Nodal Officer of Kotak Mahindra Bank at Level 2.

Within your grievance application, must mention:

• Name and contact details
• Reference/acknowledgement number of submitted complaint
• The subject of the disputed matter
• Description with important facts
• Copy of supporting documents (if any)

Send the fill-out form to Nodal Officer through Email, branch office, or post as illustrated below:

Note – Still not resolved within 2 to 5 working days by Nodal Officer? Further, escalate the unsatisfactory complaint at Level 3 of the grievance redressal mechanism.

Level 3: Principal Nodal Officer, Kotak Bank

If you are dissatisfied with the final resolution delivered by the Nodal Officer or your complaint is not resolved within 2 to 5 working days (as per the grievance policy) then escalate the disputed matter to the Principal Nodal Officer of Kotak Mahindra Bank at Level 3.

Before filing a grievance, you should provide these details within the application form:

• Details of the previously submitted complaint to the Nodal Officer at Level 2
• Acknowledgement or reference number
• Reason for dissatisfaction
• Expected relief
• Attach a copy of the supporting documents including images, receipts, etc. (if any)

Escalate this grievance form to Principal Nodal Officer through email, nearest branch office, or post as illustrated below:

Note – This is the last authority of the bank where you can file your complaint. If you are still not satisfied with the final resolution or not resolved within 30 days then you may approach the Banking Ombudsman, RBI with appropriate details.

If you have complaints about the violation of consumer rights then you may approach the National Consumer Helpline (NACH) , Ministry of Consumer Affairs.

Banking Ombudsman, RBI

As per the guidelines of the Reserve Bank Integrated Ombudsman Scheme 2021 , if the submitted complaint is not addressed within 30 days or dissatisfied with the final order of the Kotak Mahindra Bank then file a complaint to the Banking Ombudsman, RBI.

Additionally, you can escalate the case to constituted Internal Ombudsman of the Kotak Mahindra Bank. You can request the Principal Nodal Officer or Head Office to initiate an investigation of your disputed matter.

For this, you should provide:

• Acknowledgement/reference number of the submitted complaint
• Expected relief from the Ombudsman
• Description of the case with the reason for dissatisfaction
• Attach supporting evidence

You can file a complaint online against Kotak Mahindra Bank to RBI Banking Ombudsman. To raise your concerns, visit the link below:

Click : File a complaint online to Banking Ombudsman, RBI

Note : Yet not satisfied with the final order? You may take the help of a legal expert and further you may appeal to the respective statutory body, tribunal, or judicial court.

Tips – For disputes related to Mutual Funds, Insurance, Securities & Stock Market, and other financial services, appeal to these authorities:

• For stock market & securities, complain to SEBI (Securities and Exchange Board of India)
• For insurance disputes, approach to Insurance Ombudsman, IRDAI
• For pension matters, appeal to PFRDA (Pension Fund Regulatory and Development Authority)
• For housing finance loan disputes, complain to National Housing Bank (NHB)

Resolve banking complaints

These are categories of the issues related to banking and financial services offered by Kotak Mahindra Bank.

1. Accounts & Deposits:

• Savings Account: Disputes related to ActivMoney/ Everyday/ Edge Savings Account, 811 Zero Balance Account, and Silk Womens/ Junior Kids savings account including Trinity (bank, Demat, Trading) and TASC account
• Current Accounts: Concerns regarding Online current account, ActivMoney/ Startup Premium/ Pro account, and Startup Regular/ Astra 15/ Merchant One/ Elite current account
• Privy League : Issues related to Privy Black, Platinum, Neon, and Maxima accounts in Kotak Mahindra Bank
• Salary Accounts : Matters of Kotak Crème, Ace, NationBuilders, Platina, and Edge salary accounts including salary accounts for Defence Forces and Corporate Salary Privy League Programme
• Service Requests : Matters related to payment transactions, account balance, bank passbook, NACH Cancellation, and other services like change of Home Branch, fraud disputes, and Cooperative bank declaration
• Deposits: Complaints related to term deposits – Fixed/ Recurring deposit, Tax Saving/ Senior Citizen fixed deposit, and ActivMoney savings account including Sweep-in Facility, Safe Deposit Locker, etc.

2. Cards & Fastag:

• Credit Cards: Problems related to Kotak 811, Zen Signature, Mojo Platinum, PVR Kotak Gold, and Kotak IndiGo Ka-ching 6E Rewards Credit Card including disputes with NRI Royale Signature/ Biz Business Credit Card
• Debit Cards: Concerns regarding PayShopMore, Kotak PVR, Privy League Signature, Platinum, and Kotak 811 Dream Different Debit Cards including the matters of Silk Platinum/ Business Class Gold and other Debit Card services
• FASTag/ Spendz: Complaints related to the application of FASTag, balance, recharge, FASTag toll plazas, and Kotak Spendz
• Prepaid Services: Banking issues with Forex Card or recharge of Forex Card and bank Gift Cards including other prepaid services
• Credit Card Services: Disputes related to Credit Card statements (E-statement), bill payments, application (acceptance/rejection) of Credit Card applications, personal loans on Credit Cards, and report fraudulent transactions on the Card
• Other Card Services: Report lost or stolen card, Activate or Deactivate your Card, pin generation issues, and card payment (online/POS) including matters of international transactions

3. Investment & Insurance:

• Investments :  Disputes related to Mutual Funds, DEMAT account, Kotak ASBA Facility, and Trinity (Bank, Demat, Trading Account) including Portfolio Management services, Tax saving investments, National Pension System (NPS), and Sovereign Gold Bonds (SGBs)
• Insurance : Disputes related to claim settlement, premium (EMI), and payments with Insurance plans like Life, Term, and Health Insurance including Car/Two-Wheeler/Cyber Insurance and all insurance products of the Kotak
• Government Schemes : Concerns regarding National Pension Scheme (NPS), Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, RBI Floating Rate Savings Bond, 2020 (T), and Sovereign Gold Bond Scheme of the government (registered with Kotak Mahindra Bank)
• Depository Services: Matters regarding depository services of the bank like Custody and Retail DP
• Home/ Personal Loan: Concerns related to Home and Personal loans like delay in approval of loan, rejection, EMI payment, and charges/fees. Disputes with interest rate, required documents, or home loan balance transfer.
• Smart EMI: Matters related to Smart EMI Card, online payment, and other EMI offer/eligibility issues
• Other Loans: Concerns related to Business/ PayDay/ Gold loan, Loan against Securities/properties, and Education/ Car loan
• Loan Account Services: Issues with loan accounts like transaction statements, loan details, repayment, Retail Asset Reconstruction, and restructuring of the loan amount

5. Payments & Taxes:

• Money Transfer/ Forex: Issues with payment transactions like NEFT, RTGS, IMPS, and UPI (including payment failures). Other matters like sending money abroad, Foreign Currency Cash services, Forex cards, etc.
• Bill Payments & Recharges: Complaints related to Utility payments, Mobile / Landline postpaid bill payments, Credit Card bill payments, recharge of FASTag Card, Mobile prepaid recharge, and other matters
• Loan & Card Payment: Disputes related to Credit Card bills, Loan EMI payments, and Retail Asset Reconstruction
• Tax Payment: Concerns regarding Income Tax Payment, Goods & Services Tax (GST), and Customs Duty Payment through the Kotak Mahindra Bank

Q. What is the toll-free customer care number of Kotak Mahindra Bank? A. Call the toll-free customer care number 18602662666 or 18602662666 (Kotak 811) to register a banking complaint with the phone banking officers of Kotak Mahindra Bank. Additionally, you may WhatsApp +912266006022 to chat with representatives.

Q. What can I do if my complaints are not resolved by Kotak Mahindra Bank’s customer care officers? A. First, if your complaint is not resolved within 7 days then escalate the case to Nodal Officer at level 1 with the reference number. Still not resolved? Further, escalate the disputed matter to the Principal Nodal Officer of Kotak Bank.

Q. Where can I approach if my grievance is not resolved or I’m dissatisfied with the final resolution of Kotak Bank? A. You can file a banking complaint against the final order of Kotak Mahindra Bank to the RBI Banking Ombudsman. For other financial disputes, approach the respective regulatory authorities.

• Grievance redressal policy – Kotak Mahindra Bank
• Banking policies – Kotak Bank
• Banking Ombudsman Scheme, 2006

First published on:

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Kotak Mahindra Bank credit card customer care number

Last Updated : May 25, 2022, 5:38 p.m.

The Kotak credit card is one of the most usable credit cards for the borrowers. It facilitates the borrower with a variety of perks and benefits. However, in case of any emergency or a query, you can contact the Kotak Mahindra Bank Credit Card customer care number. The Kotak Credit Card Customer Care services are available 24*7 and you can contact the bank representatives and get help with your query.

Table with all state Kotak Mahindra credit card customer care numbers

Kotak Credit Card Toll Free 24*7 Number

The Kotak Mahindra Bank Credit Card Customer Care Number is 1860-266-2666. This number is toll free and is active 24*7. You can contact this number in case of any queries or complaints related to your Kotak credit card. Another kotak mahindra credit card customer care number, that is also toll free is 1800 209 0000. You can call on any of the above mentioned helpline numbers in case of card loss, card blocking, card theft or any other complaints.

Kotak Credit Card Customer Care Email

For availing Kotak Credit Card Customer Care Email services, there is no official email address. However, you can use the following links to directly move on to the page that will let you write to the customer care team.

You can click on the URL https://www.kotak.com/en/customer-service/contact-us/email-us.html and select the credit card option to write an email about your query/ complaint related to Kotak credit card.

Kotak Credit Card Grievance Redressal

If you are not completely satisfied with the solutions provided by the Kotak credit card customer care team, you can escalate your query to the senior authorities. To solve the queries of Kotak credit card customers, there is a proper grievance redressal system which consists of four levels.

• You can file your complaint online using the following link – https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-1.html
• You can login your Kotak net banking account using the link – https://netbanking.kotak.com/knb2/ and file your complaint.
• You can also contact the Kotak Mahindra credit card customer care number – 1860 266 2666 anytime 24*7.
• You can also visit your nearest bank branch and then file your query. You can locate your nearest Kotak Mahindra bank branch using the link – https://www.kotak.com/en/reach-us.html
• The TAT (TurnAround Time) for level 1 will be 7 working days.
• If you didn’t get any solution at level 1, you can now move on to level 2.
• You can email your query with the previous service request number mentioned in it to the service assurance center. You can use the following link to send an email. https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-2.html
• You can also download and fill the grievance form in your regional language and send it to the email address provided on the form itself.
• The TAT (TurnAround Time) for level 2 will be 5 working days.
• If you did not receive any satisfactory response on level 2, you can write an email directly to the nodal officer using the following link- https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-3.html
• You can also write your complaint with the complete information and send the letter to the postal address of the nodal officer. The TAT (TurnAround Time) for level 3 will be 5 working days.

Name: Ms. M. Raju

Address: Kotak Infiniti, 4th Floor , Zone 4

Bldg No.21, Infinity Park,

Off Western express Highway,

General AK Vaidya Marg,

Malad ( E) , Mumbai – 400097

Mon to Fri (10.00 am to 6.00 pm)

Telephone No: (080) 69428500

• If you still did not receive any satisfactory reply on level 3, you can write an email to the principal nodal officer using the following link- https://www.kotak.com/en/customer-service/grievance-redressal/personal-banking/level-4.html
• You can also write your complaint email with the complete information to the principal nodal officer using the above link.
• You can also write a letter to the principal nodal officer and post it to his address which is given below-

Name: Mr. K. Vora (Senior Executive Vice President )

Address: Kotak Infiniti, 4th floor, Zone 1, Bldg No. 21,

Infinity Park, General AK Vaidya Marg, Malad (E),

Mumbai – 400097

Mon to Fri (10.00 am to 6.00 pm)*

Telephone No: (080) 69428600

The TAT (TurnAround Time) for level 4 will be 5 working days.

If you still not receive any solution at the banking level, you can now approach to the Banking Ombudsman using the information given below at the following link – https://www.kotak.com/content/dam/Kotak/Customer-Service/grievance-bank-services/banking_ombudsman2017.pdf

Kotak Credit Card Customer Care Postal Address

If you are not pleased with the solution given by the Kotak credit card customer service team or the grievance redressal system, you can write to the head office of the Kotak Mahindra Bank at the following address-

Kotak Mahindra Bank Ltd.

P.O. Box: 16344,

Mumbai – 400013,

Maharashtra, India

You can also write to the corporate office of the bank and the address of the same is given below-

Registered Office,

27 BKC, C 27,

Bandra Kurla Complex,

Bandra (E),

Mumbai – 400051

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Kotak Mahindra Toll Free Number

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Below is the search result of Kotak Mahindra Toll Free number in india you have searched for. This customer care number helps the customer to contact the help desk of Kotak Mahindra with Free of cost. Using toll free services, call charges is paid by them, irrespetive of the the duration of the call.

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NRI Investment In Equities

How do nri invest in equities.

NRIs are allowed to invest in Indian stock market under the Portfolio Investment Scheme -through the secondary market.

What are the Steps that an NRI has to follow for equity trading?

Open a bank account with approved designated bank branch

Take approval of designated bank for investment in Indian Stock Market. Kotak Mahindra Bank is amongst one of the designated branch for issuing RBI Approval which is called PIS (Port folio investment scheme)

Open a Demat Account with a Depository Participant

Open a Trading account with a SEBI registered broker to execute trades on your behalf on the Exchange Kotak Securities is privileged to provide the above facilities under one umbrella to its client and provide seamless/integrated investment experience only thing you do is fill up the details in the form above.

What are the Regulations regarding NRI Trading/investments in shares?

Daily Square Off is not allowed for NRI i.e. intraday trades are not allowed for NRI clients.

Clients can trade only on Delivery basis.

All contract notes of either Buy or Sell has to be reported to Authorised Dealer ( PIS Banker) within 24 hours to transactions. This is done by the broker.i.e. Kotak Securities Ltd.

Every sale transactions will be credited to client Banks account Net of tax. Hence for every sale transaction capital gains will be calculated by a CA. As per current laws for long term capital gains, Tax rate is nil & for short-term capital gain,tax rate is 15.45%.

What is the Limit for purchase by NRIs under the PIS (RBI Guidelines)

An NRI can purchase up to a maximum of 5% of the aggregate paid up capital of the company (equity as well as preference capital) or the aggregate paid up value of each series of convertible debentures as the case may be. For the purpose of this ceiling, investment under the Portfolio Investment Scheme on repatriation as well as non-repatriation basis will be clubbed together.

There is an overall ceiling of 10% of paid-up equity share capital of the company/paid-up value of each series of convertible debentures for purchase by all NRIs/OCBs put together. The overall ceiling can be raised if the company concerned passes a special resolution to that effect in its general body meeting.

While limits of individual holdings by NRIs are monitored by the respective designated bank branch, RBI monitors the holding limits by NRIsin aggregate. Once the aggregate holding of NRIsbuilds up/ about to build up to the maximum prescribed ceiling, RBI puts the concerned stock under the Restrict List/Watch List which is published by RBI from time to time.

Companies have different investment ceilings depending on sectors. Once the ceiling is breached the stock is blocked by RBI for NRI trading. This scripts is re-opened for trading once the holding percentage of NRI's drops down.

How Investment positions of NRIs are monitored? (RBI Guidelines)

Reserve Bank monitors the investment position of NRIs/FIIs in listed Indian companies, reported by designated banks, on a daily basis. When the total holdings of NRIs/FIIs under the Scheme reaches the limit of 2 percent below the sectoral cap, Reserve Bank will issue a notice (caution list) to all designated branches of designated banks cautioning that any further purchases of shares of the particular Indian company will require prior approval of the Reserve Bank. Once the shareholding by NRIs/FIIs reaches the overall ceiling / sectoral cap /statutory limit, the Reserve Bank places the company in the Ban List. Once a company is placed in the Ban List, no NRI can purchase theshares of the company under the Portfolio Investment Scheme. Listof caution/banned RBI scrip is available at http://www.rbi.org.in/scripts/BS_FiiUSer.aspx

What happens if any NRI/PIO purchases shares, which he is not allowed to? (RBI Guidelines)

Say for example, if any NRI purchases shares of SBI, beyond the limit, which he can purchase, such fresh purchase is invalid and he would be asked to dispose of these shares immediately. Loss if any would be borne by the NRI only.

Can NRI trade in ETF ?

Yes, NRI can trade in ETFs. Currently NRI cannot buy ETF from online trading portal of Kotak Securities, they need to place an order through our call Centre or their respective dealers.

What is the tax that will be deducted on selling ETF ?

For Equity ETFs the tax rates as same as applicable to Equities, and GOLD ETFs are the same. For short term Capital gain tax rate is 30.90% on & for long term Capital gain tax rate is 20.60 %.

Can NRIs invest in IPOs?

Yes, generally, non-resident Indians can also invest in IPOs. Necessary details in this respect are given in the offer documents of each IPO.

What is an IPO?

When an unlisted company makes either a fresh issue of securities or offers its existing securities for sale or both for the first time to the public, it is called an IPO. This paves the way for listing and trading of the issuer's securities in the Stock Exchanges.

What are the types of instruments' Initial Public offerings are offered at Kotak Securities?

Initial Public offering of the following financial instruments are offered at Kotak Securities

Equity shares

Non-convertible debenture

What is the difference between "Fixed price issue" and "Book Built issue"?

On the basis of Pricing, an issue can be further declassified into Fixed Price issue or Book Built issue. Fixed Price Issue: When the issuer at the outset decides the issue price and mentions it in the Offer Document, it is commonly known as "Fixed price issue".

Book built Issue: When the price of an issue is discovered on the basis of demand received from the prospective investors at various price levels, it is called "Book Built issue".

What is a price band?

The price band is a band of price within which investors can bid. The spread between the floor and the cap of the price band shall not be more than 20%. The price band can be revised. If revised, the bidding period shall be extended for a further period of three days, subject to the total bidding period not exceeding thirteen days.

What is a bid lot?

A Bid-lot is the pre-determined number of shares which have to be applied for by an investor. It is different for each issue. There is a minimum lot size which is pre-decided by the company and mentioned in the application form. Eg: Minimum bid lot in IPO of XYZ co. - 10 Bid-lot Multiples of 10 Price Band - 100-120. It means that a retail investor cannot apply for less than 10 shares in that particular issue. The application for more than 10 shares has to be in multiples of 10 like 20,30,40,etc

What is price discovery?

Based on demand at various prices,the Issuer Company, in consultation with Book Runing Lead Manager (BRLMs) decides the final price of the offer. The price thus finalized is called the discovered price.

Can I change/revise my bid for an online order?

Yes, you can change or revise the quantity or price in the bid for an online order. However, you cannot modify/revise during:

Order is sent for processing Modification/ Revision / Cancellation are not allowed post cut-off time.

Can I cancel my Bid for online IPO order ?

Yes, you can cancel your bid for online order anytime before Modification/ Revision / Cancellation cut-off time.

Who is a Syndicate Member/Broker?

A Syndicate Member/Broker is a member of the Stock Exchange to whom the investor has to submit the IPO Bid/Application form. The Syndicate Member / Broker receives the bid and uploads the same on the electronic book of the stock exchange. Bids which are not uploaded into the electronic book are not considered for the purpose of allotment. The Syndicate Member/Broker , then submits the bid with the cheque to the bankers. In case of online application, the Syndicate Member/Broker generates the electronic application form and submits the same to the registrar with a proof of having paid the bid amount.

What proof can I request from a trading member or a syndicate member for entering bids?

The syndicate member returns the counterfoil with the signature, date and stamp of the syndicate member. You can retain this as a sufficient proof that the bids have been accepted by the trading / syndicate member for uploading on the terminal.

What are the different types of investor categories?

Investors are broadly classified under following categories:

Retail individual Investor (RIIs) - "Retail individual investor" means an investor who applies or bids for securities for a value of not more than Rs. 2,00,000.

Non Institutional Investors (NIIs) -"Non Institutional Investors" i.e. individuals/corporate,means an investor who applies or bids for securities for a value of more than Rs. 2,00,000.

Qualified Institutional Buyers (QIBs)

Which type of IPO bids are accepted at Kotak Securities?

Only Retail IPO bids can be accepted at Kotak Securities As per SEBI circular a Non-retail bid has to placed through ASBA (Application Supported by Blocked Amount) mode with the registered SCSBs.

Whom do I approach if I have grievances with respect to the non receipt of shares, delay in refund etc.?

You can approach the compliance officer of the issuer or SEBI, whose name and contact number is mentioned on the cover page of the Company's prospectus. If you are a Kotak Securities customer, you can also contact our customer service team at 30305757 or write to us at [email protected] for your IPO related queries.

What is the deadline by which the allotment process would be completed?

As per current norms, the newly issued share has to be listed on or before the 12th working day after the issue is closed. Working backwards, this would generally mean that the allotment process and uploading of the shares, sending of refunds etc. have to be completed within 10 working days from the date of closure of the issue.

What is the time deadline by which the refund order would be dispatched?

When can you trade in the new shares.

You can trade in new shares after they are listed or after ensuring that the allotted shares have been credited into your Demat Account. As per current rules, you cannot effect any off market transfers from your account till the shares are listed.

What is the difference between a Initial Public issue (IPO) and a follow-on public offer(FPO)?

IPO comprises of an offer for subscription made by such company whose shares are not listed on any stock exchange for trading, whereas an FPO is offer made by already listed company to issue additional securities. For an already listed company, the investor may decide to buy from the market or subscribe to the offer made by the Company.

What is cut-off price?

A retail investor can bid at any price within the price band or can bid at cut-off. "Cut-off price" means the investor is ready to pay whatever price is decided by the company at the end of the book building process. While making the application at Cut off, the investor is required to pay the amount at the highest price band. The excess amount, in case the price discovered is lower, is refunded. Cut-off option can be exercised only by Retail Investors and Employees of the issuing company applying in the Employee Category.

Why is your Demat Account No.(DP-ID & Client-ID) Important?

The Depository Participant(DP-ID) + Client ID, is the definitive identification of the applicant. Demat account fed into electronic bid file, is used to credit shares as well as remit refund. The Registrar is required to process an application based on bid file and in absence of any other possible validation, a wrong but valid demat account can lead to a wrong refund / credit of shares. Thus it is very important that the Demat Account Number is stated correctly in the application form.

Why is PAN important?

As per SEBI guidelines, all applicants are required to provide their PAN while applying for an Issue. Application without PAN or with invalid PAN is rejected. Investors are requested to ensure that their DP account is updated with proper PAN details.

Who is a registrar to the Issue?

A Registrar to an Issue is a SEBI-registered entity, qualified to act as such, and who electronically processes all the applications and carries out the allotment process, as per the rules/prospectus. The Registrar is responsible for complying with the time deadlines of updating the electronic credit of shares to the successful applicants, dispatching/uploading of refunds and attending to all investor related queries after the issue is completed. Usually, the Registrar continues to work with the company, even after the IPO, as its Registrar and Transfer Agent.

What is the Role of a Registrar in an IPO?

The Registrar's role in an IPO can be divided into three phases:

Pre-IPO, when the Registrar completes all preparatory work for the IPO, including instructing the escrow / ASBA bankers about the procedures they have to follow and the timelines to which they have to adhere.

Post IPO closure but pre Listing,during this time the Registrar receives the Final BID file from the exchanges, validates the same, coordinates with the bankers to ensure that final collection certificates are received, all cheque returned cases are accounted, and withdrawals if any are taken note of . The Registrar identifies all other technical defects. The Registrar after considering all the rejects, withdrawals etc., and after reconciling the bank receipts, with the Final Bid file, prepares the basis of allotment in conjunction with the BRLMs and Issuer , and submits this basis for approval to the Stock Exchange. Upon approval by the Stock Exchange, the Registrar proceeds with the allotment of shares, ensures that the electronic files for credit of shares and refunds are properly prepared and ensures the completion of all these processes including over printing / dispatch of allotment advices/ refunds are within the prescribed time limits.

Post allotment / listing phase, during this time the Registrar attends to all the complaints and strives for speedy resolution of the same.

How can I know about the demand for an issue at any point of time?

The status of bidding in a book built issue is available on the website of BSE/NSE on a consolidated basis. The data regarding bids is also available investor category wise. After the price has been determined on the basis of bidding, the public advertisement containing, inter alia, the price as well as a table showing the number of securities and the amount payable by an investor, based on the price determined, is issued. However, in case of a fixed price issue, information is available only after the closure of the issue through a public advertisement, issued within 10 days of dispatch of the certificates of allotment/ refund orders.

How can I transfer funds to apply for IPOs online through Kotak Securities?

Funds should be transferred to your Mutual funds / IPO ledger account vide money transfer link at www.kotaksecurities.com . You can transfer funds from below mentioned sources:

• NRI clients can transfer funds from Saving bank to Mutual funds ledger and vice versa

What are the pre-requisites to apply in IPOs through Kotak Securities?

• You need to have online trading account with Kotak Securities Ltd.

-Your demat account should be linked to your Kotak Securities.com trading account.

• There should be sufficient funds in your Mutual funds/IPO ledger account held with Kotak Securities

Where can I check allotment of shares?

You can check the allotment of shares in your Demat account linked to your Kotak Securities online trading account on date of IPO order.

Where can I check the Refunds for non-allotted shares / Cancelled order / lower revised orders?

Refunds are directly credited by IPO registrar to your Bank account linked to your Demat account on the date of allotment, provided the MICR number in your bank account is updated in your demat account, failing which you shall receive the refunds vide physical warrant sent through POST/ Courier by IPO registrar.

Mutual Fund

What is a mutual fund.

A Mutual fund is a mechanism for pooling resources by issuing units to the investors and investing funds in securities, in accordance with objectives as disclosed in the offer document. Mutual fund units are issued to the investors in accordance with a quantum of money invested by them. Investors of mutual funds are known as unit holders. Investments in securities are spread across a wide spectrum of industries and sectors and thereby reduce the risk involved through diversification. The profits or losses are shared by the investors in proportion to their investments. The mutual funds normally come out with a number of schemes with different investment objectives which are launched from time to time. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) which regulates securities markets before it can collect funds from the public.

What is an Asset Management Company?

Asset Management Company (AMC) is a company that invests its clients' pooled fund into securities that matches its declared financial objectives. Asset management companies provide investors with more diversification and investing options than they would have by themselves.

What is Net Asset Value (NAV)?

The Net Asset Value is the cumulative market value of the securities held by the scheme. Since market value of securities changes every day, NAV of a scheme also varies on day to day basis. The NAV per unit is the market value of securities of a scheme divided by the total number of units of the scheme on any particular date. For example, if the market value of securities of a mutual fund scheme is Rs 200 lakhs and the mutual fund has issued 10 lakhs units of Rs. 10 each to the investors, then the NAV per unit of the fund is Rs.20. NAV is required to be disclosed by the mutual funds on a regular basis - daily or weekly - depending on the type of scheme."

What are the benefits of investing in Mutual Funds?

Qualified and experienced professionals manage Mutual Funds. Generally, investors, by themselves, may have reasonable capability, but to assess a financial instrument, a professional analytical approach is required in addition to access to research and information, time and methodology to make sound investment decisions.

Since Mutual Funds make investments in a number of stocks, the resultant diversification reduces risk. They provide the small investors with an opportunity to invest in a larger basket of securities.

The investor is spared the time and effort of tracking investments, collecting income, etc. from various issuers, etc.

It is possible to invest in small amounts as and when the investor has surplus funds to invest.

Mutual Funds are well regulated & governed by SEBI (Mutual Funds) Regulations, 1996 thereby ensuring transparency of investments.

In case of open-ended funds, the investment is very liquid as it can be redeemed at any time with the fund, unlike direct investment in stocks/bonds.

Are there any risks involved in investing in Mutual Funds?

Mutual Funds unlike fixed deposit, Bonds and other Government securities do not provide guarantee of returns. Their returns are directly related to the performance of the underlying asset in which they invest like shares, debentures etc which are known for the risk associated with them. The unit value may vary with the performance of the company, and companies may default in payment of interest/principal on their debentures/bonds/deposits. In addition to these, changes in macro level policies & regulations may also affect sectors in Indian economy thereby affecting mutual fund performance.

What are the different types of mutual fund schemes?

Schemes according to Maturity Period

Open-ended Fund/ Scheme

An open-ended fund or scheme is one that is available for subscription and repurchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis. The key feature of open-end schemes is liquidity.

Close-ended Fund/ Scheme

A close-ended fund or scheme has a stipulated maturity period e.g. 5-7 years. The fund is open for subscription only during a specified period at the time of launch of the scheme. Investors can invest in the scheme at the time of the initial public issue and thereafter they can buy or sell the units of the scheme on the stock exchanges where the units are listed. In order to provide an exit route to the investors, some close-ended funds give an option of selling back the units to the mutual fund through periodic repurchase at NAV related prices. SEBI Regulations stipulate that at least one of the two exit routes is provided to the investor i.e. either repurchase facility or through listing on stock exchanges. These mutual funds schemes disclose NAV generally on weekly basis.

Interval Funds / Scheme

These funds combine the features of both open-ended and close-ended funds wherein the fund is close-ended for the first couple of years and open-ended thereafter. Some funds allow fresh subscriptions and redemption at fixed times every year (say every six months) in order to reduce the administrative aspects of daily entry or exit, yet providing reasonable liquidity

Schemes according to Investment Objective

Growth / Equity Funds

The aim of growth funds is to provide capital appreciation over medium to long- term periods. Such schemes normally invest a major part of their corpus in equities. Such funds have comparatively high risks. These schemes provide different options to the investors like dividend option, capital appreciation, etc. and the investors may choose an option depending on their preferences. The investors must indicate the option in the application form. The mutual funds also allow the investors to change the options at a later date. Growth schemes are good for investors having a long-term outlook seeking appreciation over a period of time.

Income / Debt Funds

The aim of income funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures, Government securities and money market instruments. Such funds are less risky compared to equity schemes. These funds are not affected because of fluctuations in equity markets. However, opportunities of capital appreciation are also limited in such funds. The NAVs of such funds are affected because of change in interest rates in the country. If the interest rates fall, NAVs of such funds are likely to increase in the short run and vice versa. However, long term investors may not bother about these fluctuations.

Balanced Fund

The aim of balanced funds is to provide both growth and regular income. As such, schemes invest both in equities and fixed income securities in the proportion indicated in their offer documents. These are appropriate for investors looking for moderate growth. They generally invest 40-60% in equity and debt instruments. These funds are also affected because of fluctuations in share prices in the stock markets. However, NAVs of such funds are likely to be less volatile compared to pure equity funds.

Money Market or Liquid Fund

These funds are also income funds and their aim is to provide easy liquidity, preservation of capital and moderate income. These schemes invest exclusively in safer short-term instruments such as treasury bills, certificates of deposit, commercial paper and inter-bank call money, government securities, etc. Returns on these schemes fluctuate much less as compared to other funds. These funds are appropriate for corporate and individual investors as a means to park their surplus funds for short periods.

These funds invest exclusively in government securities. Government securities have no default risk. NAVs of these schemes also fluctuate due to change in interest rates and other economic factors as in the case with income or debt oriented schemes.

Index Funds

Index Funds replicate the portfolio of a particular index such as the BSE Sensitive index, S&P NSE 50 index (Nifty), etc. These schemes invest in the securities in the same weightage comprising of an index. NAVs of such schemes would rise or fall in accordance with the rise or fall in the index, though not exactly by the same percentage due to some factors known in technical terms as a "tracking error". Necessary disclosures in this regard are made in the offer document of the mutual fund scheme.

Can a mutual fund impose fresh load or increase the load beyond the level mentioned in the offer documents?

Mutual funds cannot increase the load beyond the level mentioned in the offer document. Any change in the load will be applicable only to prospective investments and not to the original investments. In case of imposition of fresh loads or increase in existing loads, the mutual funds are required to amend their offer documents so that the new investors are aware of loads at the time of investments.

List of Mutual funds offered at Kotak Securities?

• Birla Sun life Mutual fund
• Deutsche Mutual fund
• DSP Blackrock Mutual fund
• Fidelity Mutual fund
• FORTIS Mutual fund
• Franklin Templeton Mutual fund
• HDFC Mutual fund
• HSBC Mutual fund
• ICICI Prudential Mutual fund
• IDBI Principle Mutual fund
• IDFC Mutual fund
• ING Vysya Mutual fund
• JM Mutual fund
• Kotak Mahindra Mutual fund
• L&T Mutual fund
• LIC Mutual fund
• Reliance Mutual fund
• Religare Mutual Fund
• SBI Mutual fund
• Sundaram BNP Paribas Mutual fund
• Tata Mutual fund

List of Mutual funds transaction types offered at Kotak Securities?

Mutual funds transaction types are bifurcated in two categories i.e. Commercial transaction and Non-commercial transactions.

Commercial transactions offered at kotaksecurities.com are following:

• Purchase / Additional Purchase
• Systematic Investment Plan
• Systematic Transfer Plan

Non-Commercial transactions offered at kotaksecurities.com are following: Such transactions comprises of the requests for change in client's profile in AMC records for instance:

• Offline to Online portfolio conversion
• Nomination Request
• Bank updation

Do I need to have a Demat account to transact in Mutual funds?

Some schemes like ETFs are compulsorily allotted in demat mode. Hence to transact in such a scheme you need to have a Demat a/c linked to your trading account.

For allotment in online mode there is no need for a Demat account.

As per recent developments in the industry, units of all mutual funds schemes can be allotted in both the modes i.e. Physical as well as in Demat. Also, the depositories have allowed the DPs to facilitate holding of mutual funds in demat account. Currently Kotak Securities.com facilitates the transaction of online mode of allotment only.

What are the benefits of investing in mutual funds online?

Ease of tracking status & periodical variations in mutual funds

Efficient & Speedy

Avoid issuing of cheques & paper work every time you invest

Ensures privacy of your investments Invest at your convenience through call & trade.

What are the features available when investing online in mutual funds through Kotak Securities?

Buy- Choose from over 3000 schemes representing more than 21 AMCs for the purchase of mutual funds units. Track- You can view your transaction status in addition to portfolio monitoring & monthly MIS on your mutual funds portfolio.

Redeem- You can redeem your mutual fund units anytime & exit/reinvest as the case may be.

Transfer- www.kotaksecurities.com enables you to transfer the funds directly from your bank account to MF ledger & also receive mutual funds proceeds directly into your bank account.

SIP- Enjoy the benefit of investing in SIPs by receiving regular updates on your SIP installments, due dates & value-added features every now & then.

Are the online investments in mutual funds subject to any charges or fees?

Kotak Securities as a distributor does not levy any charges or fees for the investments in any mutual funds schemes online.

Can non-resident Indians (NRIs) invest in mutual funds?

Yes, non-resident Indians can also invest in mutual funds. Necessary details in this respect are given in the offer documents of the schemes.

Are investments in Mutual Funds repatriable?

NRIs can invest in Mutual funds through both NRE and NRO route. Funds invested through NRE are easily repatriable.

What should an investor look into an offer document?

An abridged offer document, which contains very useful information, is required to be given to the prospective investor by the mutual fund. The application form for subscription to a scheme is an integral part of the offer document. SEBI has prescribed minimum disclosures in the offer document. An investor, before investing in a scheme, should carefully read the offer document. Due care must be given to portions relating to main features of the scheme, risk factors, initial issue expenses and recurring expenses to be charged to the scheme, entry or exit loads, sponsor's track record, educational qualification and work experience of key personnel including fund managers, performance of other schemes launched by the mutual fund in the past, pending litigations and penalties imposed, etc.

When will the investor get certificate or statement of account after investing in a mutual fund?

Mutual funds are required to dispatch certificates or statements of accounts within six weeks from the date of closure of the initial subscription of the scheme. In case of close-ended schemes, the investors would get either a demat account statement or unit certificates as these are traded in the stock exchanges. In case of open-ended schemes, a statement of account is issued by the mutual fund within 30 days from the date of closure of initial public offer of the scheme. The procedure of repurchase is mentioned in the offer document.

As a unit holder, how much time will it take to receive dividends/repurchase proceeds?

A mutual fund is required to dispatch to the unit holders the dividend warrants within 30 days of the declaration of the dividend and the redemption or repurchase proceeds within 10 working days from the date of redemption or repurchase request made by the unit holder.

How do I know the performance of a mutual fund portfolio at Kotak Securities?

You can view mutual funds portfolio tracker available in the mutual funds section of www.kotaksecurities.com . It displays cost of your holding, the current value of holding, realised gain/loss, unrealised gain/loss, IRR (Internal rate of returns), etc.

If a mutual fund scheme is wound up, what happens to the money invested?

In case of winding up of a scheme, the mutual funds pay a sum based on prevailing NAV after adjustment of expenses. Unit holders are entitled to receive a report on winding up from the mutual funds which gives all the necessary details.

Can an NRI buy Mutual Fund Units in the PINS account?

Being an NRI, mutual fund units can only be bought in NON-PINS account.

Is there any tax applicable on the redemption of mutual funds?

Yes. The tax applicable is called as STT i.e. Security transaction tax which is 0.25%. STT is applicable only in case of redemption of equity linked schemes. Normal tax rates apply in case of Debt Mutual funds. In case of NRI's Tax is deducted at source by the AMC.

What is a Switch request?

Switch means an option to the customer to switch all or part of their investments in a scheme/plan/option of the fund to another scheme/plan/option of the same fund which is available for investment at that time, subject to the terms and conditions of the offer document of the respective schemes. The switch will be made by redeeming existing units and re investing the redemption proceeds in another scheme/plan/option at the applicable redemption price and purchase price respectively for the scheme(s)/, plan(s)/, option(s).

What is SIP - Systematic Investment Plan?

Systematic Investment Plan (SIP) means an option available with the Customer for investing, at a specified frequency, in a specified Scheme of the Fund, a fixed amount of Rupees for purchasing additional units at the applicable NAV on a specified date, assuming that the provisions of the Offer document of the respective scheme shall always be applicable for SIP transactions.

What is STP?

Systematic Transfer Plan (STP) means an option available with the customer who holds Units to transfer a pre determined amount or a variable amount subject to deduction of tax, if any, at a specified frequency, from a specified Scheme of the fund to another specific scheme of the fund at a specified period at a specified frequency at the applicable NAV on a specified date, assuming that the provisions of the offer document of the respective Schemes shall always be applicable for STP transactions.

What is Auto debit with respect to Systematic transfer of funds?

Auto-Debit feature enables automatic transfer of funds from your Kotak Mahindra Bank Account to MF Ledger before the due date of SIP & ensures timely investment in mutual fund SIPs with no defaults.

Do I have to pay any entry load for mutual fund purchases made after August 01, 2009?

No. Prior to the implementation of the SEBI guideline, an entry load was charged on all Mutual fund purchases. As per the new guidelines issued by SEBI, with effect from August 1, 2009, entry load will not be charged on purchases in existing mutual fund schemes or on schemes launched thereafter. However, any investment made by you in an NFO which was launched prior to August 1, 2009 will continue to attract entry load and other charges as specified in the offer document.

What exit load will I have to pay as on a particular date?

Exit load is not a standard charge; it varies from scheme to scheme depending upon the type & objective of the scheme. Exit load is calculated as a percentage of NAV & normally varies between 0.25% to 2% of the redemption value. The funds which do not charge exit loads are known as 'No Load Funds' .

What is redemption price?

Redemption price is the price received on selling units of open-ended scheme. If the fund does not levy an exit load, the redemption price will be same as the NAV. The redemption price will be lower than the NAV in case the fund levies an exit load.

What is Repurchase price?

Repurchase price is the price at which a close-ended scheme repurchases its units. If the fund does not levy an exit load, the repurchase price will be same as the NAV. The repurchase price will be lower than the NAV in case the fund levies an exit load.

How can I convert my online holdings with other distributors to Kotak Securities online?

It can be done by placing an online request through www.kotaksecurities.com > Mutual Funds > Offline to Online.

Can I place a direct request to AMC for the investments done through Kotak Securities?

Can i place nomination requests for online mutual funds portfolio subscribed through kotak securities.

Yes. There is an online facility to place nomination request.

How can I update FATCA(Foreign Account Tax Compliance Act) in my trading and demat account?

I'm moving abroad, can I continue to use my Kotak Securities Neo trading account?

How can an NRI account place order?

How can NRIs buy the REs, since they cannot pay through RTA?

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