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.
| Notice - Be alert! Don't share the financial or banking details and don't share OTP to customer care executive. Protect yourself from Frauds and Scams. Report to Cyber Crime Bureau or Call 1930 as soon as possible to protect your earnings and others. |
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:
| Registration Fee | No Charges (₹0) |
| Resolution Period | Up to 30 days (Read the customer rights policy of the Kotak Bank) |
| Refund Period | Within 7 business days (for transaction failure, read the customer’s compensation policy to know more) |
3 Levels of lodging complaints:
- Level 1: Kotak Mahindra Bank Customer Care
- 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:
| Category of complaint | TAT (Working Days) |
|---|---|
| Online transactions through Net Banking | 5 days |
| Debit Card Transaction Disputes (settled transaction) | 52 days |
| Cash Withdrawal disputes from other than Kotak ATM | 8 days |
| Cash Withdrawal at Kotak ATM (transactions/charges disputes) | 7 days |
| Unauthorized transaction on Credit Card (settled transaction) | 45 days |
| Complaint for chargeback re-initiated | 90 days |
| Discrepancies in Charges/Fees Levied | 2 days |
| Discrepancy in A/C Maintenance Charges | 2 days |
| Complaints regarding incorrect or delayed processing | 2 days |
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
- CRN
- 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:
| Kotak Mahindra Bank | Customer Care Number |
|---|---|
| Kotak Bank complaint number | 18602662666 |
| Kotak 811 toll-free number | 18602660811 |
| WhatsApp Number | +912266006022 |
| Privy (Optima and Insignia customers) | 18002666666 |
| Kotak Helpline Number (Fraud/ unauthorized transaction) | 18002090000 |
| Report Credit card and Credit Card mis-sell | 18602662666 |
| Email (security) | itsecurity.bank@kotak.com |
| Contact your local branch office | Click Here |
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:
| Kotak Mahindra Bank Loan | Customer Care Number |
|---|---|
| Personal, Payday, and Home Loan Help | 18602662666 |
| Car/Two-Wheeler Loan Customer Care | 18002095732 |
| Commercial Vehicles Finance, Gold, and Agriculture Loan | 18002095600 |
| Consumer Durable Loan, Debit Card EMI, and Smart EMI Card | 18602667777 |
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:
| Kotak Bank business services | Toll-Free Number |
|---|---|
| Kotak Business helpline | 18002095600 |
| customerfirst@kotak.com | |
| NETC Fastag help | 18602666888, 180030069090 |
| Agri SME Business support | 18602665700 |
Corporate Contact number:
| Kotak Bank Corporate | Toll-free Number |
|---|---|
| Corporate banking | 18002092011 |
| corporateservicedesk@kotak.com |
Kotak Private Banking
Private banking customer care number:
| Kotak Private Banking | Contact Number |
|---|---|
| Toll-free number | 18002666666 |
| The private banking hotline number | +912262042100 |
| feedback.private@kotak.com | |
| Email (query) | info.private@kotak.com |
Kotak Privy League
Customer Care Number and Email for the Members of Kotak Privy League Account:
| Kotak Privy League | Contact Number |
|---|---|
| Toll-free number | 18002666666 |
| Privy Helpline Number (Overseas) | +912262042001 |
| privileged@kotak.com |
Investor Contact Number
Toll-free number and email for the grievances related to Investors of Kotak Mahindra Bank:
| Kotak Bank Investor | Contact Number |
|---|---|
| Retail Investor Toll-free number (Registrar & Transfer Agent) | 18003094001, +912261661615 |
| Fax No. | 02267132403 |
| Email (Retail) | investor.grievances@kotak.com |
| Email (Institutional Investor) | investor.relations@kotak.com |
2. NRI Banking Customer Care
NRI (Non-Resident Indian) banking and Kotak Multi Currency World Travel Card Customer Care Number:
| NRI Banking (India) | Customer Care Number |
|---|---|
| Kotak NRI banking (overseas) number | +912262042001 |
| nriservices@kotak.com |
International Toll-free number:
| Country | NRI Toll-free Number |
|---|---|
| Australia | 001180044990000 |
| Canada | 18557684020 |
| Hong Kong | 00180044990000 |
| Singapore | +658001013054 |
| UAE (United Arab Emirates) | 80001830148 |
| UK (United Kingdom) | 0080044990000 |
| USA (United States) | 18553656767 |
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:
| Lodge an online complaint to Kotak Bank | File a complaint |
| Submit a document (for raised complaints) | Click to submit |
| Track application status | Click Here |
| Credit/Debit Card Dispute Form | Download/View |
| Report online card fraud/raise dispute | Report now |
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
- Treasury
- Custody Services
- ATM services
2. Additional ways to submit a complaint online:
| NRI banking complaint online | Register now |
| Kotak Mahindra Bank services (grievance redressal) | Make a complaint |
| Email (Treasury) | treasuryconnect@kotak.com |
| Email (Custody) | custody.grievances@kotak.com |
| Kotak ATM complaint form | Download/View |
3. Social Channels:
| +912266006022 | |
| @KotakCares | |
| @KotakBank | |
| Mobile App (Kotak) | Android | iOS |
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
- CRN (Customer Relation Number)
- 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:
| Designation | Nodal Officer, Kotak Mahindra Bank |
| Phone No. | +912262042110 |
| Click Here | |
| Address | Attn: Nodal Officer, Kotak Mahindra Bank Kotak Infiniti, 4th Floor, Zone 4, Bldg No.21, Infinity Park, Off Western Express Highway, General AK Vaidya Marg, Malad ( E), Mumbai – 400097 |
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:
| Designation | Principal Nodal Officer, Kotak Mahindra Bank |
| Phone No. | +912262042120 |
| Click Here | |
| Address | Attn: Principal Nodal Officer, Kotak Mahindra Bank Kotak Infiniti, 4th floor, Zone 1, Bldg No. 21, Infinity Park, General AK Vaidya Marg, Malad (E), Mumbai – 400097 |
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
4. Loans:
- 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
FAQs
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.
