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Kotak Mahindra Bank Complaints & Reviews

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Updated: Nov 7, 2025

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Kotak Mahindra Bank reviews & complaints page 127

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Dear team,
I am anubha sharma ex employee of kotak mahindra bank contact centre noida sector 125. My employee id was 89453 and my last day with bank is on 15/01/2018. But i have not received my relieving letter and full and final settlement. So i requested you to send me my experience letter and last month salary. I need it on urgent basis. Kindly check and revert asap
Thanking you
Regards
Anubha sharma

Kotak Mahindra Bank customer support has been notified about the posted complaint.

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D

Dinesh Sharma Sharma

from Bathinda, Punjab

Mar 5, 2018

I want settlement of my credit card .but bank want to excess money so pls help me

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Hi,

I am having savings account ([protected]) with kotak bank and they have deducted nmc 0f 4500 rs from my account. At the time of opening the bank acc no information about any kind of charges was given to me and since then i have been levied nmc charges. Details of the same are given below.in case you need any more information please let me know.

Account number: [protected]
Account holder name: shabeer hussain s
Mobile number: [protected]\[protected]
Amount deducted as nmc till now: 4500 rs

I request you to kindly reverse the same, as it is wrong call by bank executive who has opened an account for me and not informed about these charges.

Kotak Mahindra Bank customer support has been notified about the posted complaint.

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D

Dinesh Sharma Sharma

from Bathinda, Punjab

Mar 5, 2018

I want settlement of my card no [protected] but bank want to sexes money to me . so pls help me

J

Janu3017

from Noida, Uttar Pradesh

Mar 5, 2018

Myself sunny ahuja I have two accounts in Kotak mahindra bank they had deducted 5600rs from my both ac in 2016 without giving me any intimation please help me to refund my charges.my contact no is [protected].

R

Ramesh Thirupathi

from Hyderabad, Telangana

Mar 6, 2018

I was raining request for the past 4months everytime agent's contact on the end of appointment day schedule for another day and nobody visits, onecs again I need to raise. A request, u r not able to complete customers registration process dhen how can you provide services to customers, how many times should I raise request .

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Address: Mumbai City, Maharashtra, 401107

Website: kotak.com

This is with reference to fraudulent transaction occurred in my credit card
The details as below:-
29/12/2017 – 46, 646.43 (Aud-892.26)
29/12/2017 – 35, 465.04 (Aud-679.00)
29/12/2017 – 29, 265.20 (Aud-560.30)

This transaction were executed by an unknown resource on 29.12.2017 without my consent and knowledge, i was not asked for any password for executing this transactions, upon receipt of sms i came to known that such transactions is processed, immediately on 29.12.2017 i called your card department and blocked my card and raise concerns for dispute transactions.

My complain was lodged vide reference # sr#1-[protected].

Upon receipt of my complain i got refund of the following:-

29/12/2017 – rs.28975.26 (Aud-560.30) – less rs.289.94
05/01/2018 – rs.45, 991.18 (Aud-892.26) – less rs.655.25

However, still a refund of rs.35, 465.04 is outstanding for which since last 40 days i am following with the bank but haven't heard any positive response.

In lieu of this unwanted activity my outstanding balance has increase from 100, 773.44 (Nov 2017) to rs.133, 573.87 (Feb 2018) reason still unknown to me??? Eventually till nov 2017 i was charged with interest amt of rs.3528.43+635.12, however in january & feb i am been extra charged by interest amount fo rs.2900.51+522.09 again reason for the same unknown to me???

Further to this extra charges i was levied with overlimit fee of rs.500 on 29/12/2017 which is again incorrect charges levied to me.

I want to know the following:-

1) how did bank allow to execute transaction without entering password or otp pin???
2) how did bank allow to go cc in negative balance and execute the transaction over and above the cc limit???
3) why incorrect charges are been lived to me???
4) when will dispute amount would be rectified???
5) why i am been asked to pay more that my minimum amount and charges with penalty and extra charges???

I am still paying my minimum amount because i don’t want to block my card or come under any cibil issue but due to this bank is taking dual advantage and not responding on my concerns.

I want bank authority to immediately revert on my question raised and sort this issue on immediate basis.

Awaiting positive revert from your side.

Thanking you,
Regards,
Vandana goenka

Kotak Mahindra Bank customer support has been notified about the posted complaint.

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A

acepacific

from Pune, Maharashtra

Mar 5, 2018

Kotak mahindra Bank has not yet responded to querry sent through Indian consument compalint forum. & the responce to the mail through my bank accounts mail box is delayed &incomplete.

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Address: Vadodara, Gujarat, 390015

Dear uday kotak ji

I am using my credit card no : [protected], crn no:[protected] since last many years and paying the due amount on time always on or before payments due dates and never ever defaulted any payments till date so please let me know why my card has been blocked and got declined while i was using yesterday

Let me know at the earliest on this issue of my credit card
Reagrds -
Rakesh patel
[protected]

Apr 4, 2018

Complaint marked as Resolved

Kotak Mahindra Bank customer support has been notified about the posted complaint.

Verified Support

Mar 04, 2018

Kotak Mahindra Bank Customer Care's response Hi! We wish to inform you that, due to irregular payments, your Kotak credit card 4166XXXXXX3102 is inactive due to bank’s internal guidelines.

We request you to kindly initiate the as on date outstanding of INR. 6, 444.45.

Post to which we will be able to activate your card which will subject to approval from our relevant department. ^Team Kotak

Mar 04, 2018

Updated by rakesh1516 Please check my payment history

Mar 04, 2018

Updated by rakesh1516 Sent me my payment history

Mar 04, 2018

Updated by rakesh1516 since last many years and paying the Due amount on time always on or before payments Due dates and never ever defaulted any payments till date

Mar 05, 2018

Updated by rakesh1516 Dear Sir

I am using my credit card no : [protected], crn no:[protected] since last many years and paying the due amount on time always on or before payments due dates and never ever defaulted any payments till date also see below for the Payment History so please let me know why my card has been blocked and got declined while i was using yesterday

Let me know at the earliest on this issue of my credit card
Sr No Statement Date Payment Due Date Bill Payment Payment Paid Payment Paid Date Chq / NEFT Payment
1 05_09_2013 23_09_2013 854.3 854.3 21_09_2013 Chq_941003
2 05_08_2014 23_08_2014 16679.95 7217 20_08_2014 Chq_000387
9463 20_08_2014 Chq_945697
3 05_10_2014 23_10_2014 11316.25 11317 21_10_2014 Chq_947539
4 05_12_2014 23_12_2014 14532.15 14533 23_12_2014 Chq_948505
5 05_02_2015 23_02_2015 30059.88 14532.15 23_12_2014 Auto Debit
15526.88 21_02_2015 Online NEFT
6 05_03_2015 23_03_2015 7000 7000 21_03_2015 Chq_949209
7 05_04_2015 23_04_2015 19556.89 19557 22_04_2015 Chq_949276
8 05_05_2015 23_05_2015 11933.89 11934 22_05_2015 Chq_949251
9 05_06_2015 23_06_2015 11634.89 11635 22_06_2015 Chq_950122
10 05_08_2015 23_08_2015 19864.38 19865 25_08_2015 Chq_950197
11 05_09_2015 23_09_2015 2299.38 2300 22_09_2015 Chq_022020
12 05_10_2015 23_10_2015 21072.38 21073 23_10_2015 Chq_950860
13 05_11_2015 23_11_2015 19571.91 19527 23_11_2015 Chq_950894
14 05_12_2015 23_12_2015 5239.91 623 19_12_2015 Online NEFT
5240 23_12_2015 Online NEFT
15 05_01_2016 23_01_2016 7631.95 7632 22_01_2016 Chq_113504
16 05_02_2016 23_02_2016 22575.61 22576 22_02_2016 Chq_113528
17 05_03_2016 23_02_2016 19917.99 19918 21_03_2016 Chq_115055
18 05_04_2016 23_04_2016 12595.99 12596 22_04_2016 Chq_115087
19 05_05_2016 23_05_2016 9077.14 9078 20_05_2016 Chq_953315
20 05_06_2016 23_06_2016 17595.14 17596 21_06_2016 Chq_953343
21 05_07_2016 23_07_2016 8321 8322 21_07_2016 Chq_953375
22 05_08_2016 23_08_2016 12305.39 12306 20_08_2016 Chq_022025
23 05_09_2016 23_09_2016 32254.74 32255 22_09_2017 Online NEFT
24 05_10_2016 23_10_2016 57311.53 17775 08_10_2017 Online NEFT
39537 21_10_2016 Online NEFT
25 05_11_2016 23_11_2016 11520.08 11521 24_11_2016 Online NEFT
26 05_12_2016 23_12_2016 69160.55 1134 09_12_2016 Online NEFT
68027 23_12_2016 Online NEFT
27 05_01_2017 23_01_2017 42562.81 42563 23_01_2017 Online NEFT
28 05_02_2017 23_02_2017 63300.06 35000 22_02_2017 Online NEFT
28301 23_02_2017 Online NEFT
29 05_03_2017 23_03_2017 4299.06 4300 22_03_2017 Online NEFT
30 05_04_2017 23_04_2017 84249.47 29221.17 20_04_2017 Online NEFT
55029.24 21_04_2017 Online NEFT
31 05_05_2017 23_05_2017 40214.86 16233.21 23_05_2017 Online NEFT
23982.59 23_05_2017 Online NEFT
32 05_06_2017 23_06_2017 13476.83 13477 21_06_2017 Online NEFT
33 05_07_2017 23_07_2017 48857.47 34461.89 22_07_2017 Online NEFT
14395.7 22_07_2017 Online NEFT
34 05_08_2017 23_08_2017 68873.66 21839.05 19_08_2017 Online NEFT
47034.78 19_08_2017 Online NEFT
35 05_09_2017 23_09_2017 36712.67 9601.15 22_09_2017 Online NEFT
27111.69 22_09_2017 Online NEFT
36 05_10_2017 23_10_2017 11870.44 3050.7 19_10_2017 Online NEFT
8819.91 19_10_2017 Online NEFT
37 05_11_2017 23_11_2017 73665.77 7665.77 15_11_2017 Online NEFT
66000 22_11_2017 Online NEFT
38 05_12_2017 23_12_2017 77495.18 2505 22_12_2017 Online NEFT
74990.18 22_12_2017 Online NEFT
2505 22_12_2017 Online NEFT
39 05_01_2018 23_01_2018 40446.7 28350.95 22_01_2018 Online NEFT
12100 22_01_2018 Online NEFT
40 05_02_2018 23_02_2018 82702.98 2025 12_02_2018 Cash Rewards Redeemed
1200 14_02_2018 Online NEFT
14774.54 21_02_2018 Online NEFT
64732.12 21_02_2018 Online NEFT

Reagrds -
Rakesh patel
[protected]

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Address: Raigad, Maharashtra, 410218

Website: www.kotak.com

The reference number which is sr # 1-[protected]. My payment amount is rs. 20413/-, i was paid those amount on december 22, 2017 and i get verification january 08, 2018 they inform us you get your noc in 30 working days but it’s now 2 months away but still, we do not receive noc, they always every day said us you get noc within 2 days. Now we’re not able to contact them also when we will visit the bank they said you get clarification only through the mail. We are applying for home loan now we’re every stick with noc coz after noc home loan is approved.

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Address: Vadodara, Gujarat, 0265

I m holding an edge current account in kotak mahindra bank since 4 months but i regret to say that i am not getting any satisfaction or support from the staff i am dealing with specially my home branch staff they are very irresponsible and unprofessional... They dont even care about how much trouble the customer is facing... I had tried many ways to communicate with them but failed still my problem is not solved... Finally i hav to write a complaint here... Hope this works!!! Otherwise it may affect to ur credit
Contact no. [protected]

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Address: 380061

Rs. 500/-debited twice on[protected] and 10-
2-2018 bearing reference no. Pg [protected] and pg[protected] and showing description 2018012301470052321339 and 2018021001530053286931 respectively. I would like to know nature of such transactions and why debited. My. Savings account no. Is[protected]. My name is rajeshchandra kanaiyalal shah holding savings bank account with kotak bank since long.

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Mar 03, 2018

Updated by Rajeshshandrashah I withdraw my complaint.

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Dear sir on 23 february 2018 i had funded my account in kotak 811 app using my debit card with rupees 5000 the money was debited from my punjab national bank account but it is still not credited into my kotak 811 account.
I had recieved error after the payment completed

So kindly take appropriate action and credit my account into my kotak 811 account.

Mykotak 811 account details are given below
Account no :-[protected].

The citrus id for the transaction is:-ctx[protected].

Please take serious action and credit the money into my account.

+1 photos

Jun 8, 2019

Complaint marked as Resolved

Thank you sir my complain is now resolved

Kotak Mahindra Bank customer support has been notified about the posted complaint.

Mar 03, 2018

Updated by aziz5253 Recieved this error after making payment

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Address: Sangli, Maharashtra, 416416

Website: www.kotak.com/bank/common/pdf/closure_of_savings_current_investment_account.pdf

To,

The branch manager,

Kotak mahindra bank,

Branch : sangli

City : miraj-416 410

Subject : for account close my savings bank a/c no.[protected]
Ifsc : kkbk0002046

Sir,

I am mr. Kiran bapuso patil.
I have a savings bank account in your branch with a/c no.[protected]
Ifsc : kkbk0002046 which is dormant as i have not made any transactions in this account from quite a long time. Please closed my bank account as i want to start using it again.

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Address: Bangalore, Karnataka, 560054

Hi sir my name is b. Phanindra gupta and my account number is [protected] why there is tbms charges if it is a zero balance account, a private bank must be specific while opening account, kotak bank has said it is a zero balance account while opening 811 account and now it charged 600 for not maintaining proper balance, please make sure it will get back

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Address: Kolkata, West Bengal, 700015

Dear sir/madam

I am holding kotak mahindra account since 2017 or so and it is a salary account (Account number [protected]). It was told at that time that there is no charge applied by bank for atm withdrawal for any number of transactions at any bank atm domestic and last 3 moths it's deducted 23.60/- 5 times. Since this is zero balance account and free atm/debit card that can be used to transact worldwide then why you are deducting suddenly. Please explain the reason and if it is incorrectly deducted, please refund it.

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Address: Bangalore, Karnataka, 562107

Hi Team,

Need your help to deactivate credit card by Kotak Mahindra bank..
Salary account has been opened by bank while joining and after 5 months they issues credit card without my notification through blue dart courier and charged card fee-588 which was paid in Jan and again they have charged Rs 612 without spending any single money on this card. I have not yet used this card, I tried to reach bank over phone and email but not getting response..
please help to deactivate this credit card..
my card number[protected]..
Name- Nilu kumari

Regards.
Nilu kumari

Kotak Mahindra Bank customer support has been notified about the posted complaint.

Mar 13, 2018

Updated by niluk Hi Team,

As of now there is no update from bank, please deactivate my credit card orelse will go for police complain...

Regards

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M

Manne Nikhil

from Gurgaon, Haryana

Mar 5, 2018

In the name of tbms they have decuted 9 times money in my account

credit card issued without my knowledge - Comment #3027378 - Image #0

A

Al Sam

from Rayachoti, Andhra Pradesh

Mar 5, 2018

I got a message. Like kotak is giving Zero balance account I had taken account in 2days, later now kotak bank was sending mails about non maintenance charges...you people also doing like SBI bank. Is my account is zero balance or not...if not tell me how to cancel the bank account in mins.or call me to my number [protected]

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Address: Mumbai City, Maharashtra, 400709

Website: Koperkhairne branch kotak

I have transfrerred 900rs from kotak imps to paytm bank but it was showing server problem n my money got deducted from from kotak but didnt recieved in paytm bank my ref imps no is:[protected] help me as soon as possible there is no response from bank n kotak bank alwys ingonre their customer or neglect they never help you or support you n staff dont have proper knowledge n they r not helpful

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Address: Gautam Buddh Nagar, Uttar Pradesh, 201303

Website: www.kotak.com/en.html

I don't know actually who to blame. I'm using uco bank ATM Debit card. That i used on date 28 feb 2018, in Kotak ATM Machine sector 41, Noida. that couldn't successful for 2 times . I can see amount 500 Rs. was debited from my account but i couldn't receive cash . I'm waiting for refund for 2 days. Please resolve this problem.

Name: Pratibha Maurya
email ID: lovely.[protected]@gmail.com
UCO Bank A/C number: [protected]

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Address: Kolkata, West Bengal, 700012

I have been overcharged for unsuccessful atm transactions however the transactions never happened. I disputed with the bank and they have already put aside a provisional credit based on my dispute and currently the issue is being investigated by visa team however this month they have put an hold of rs 5700 approximately on my account on account of credit card payment which i have disputed. Also please note that my emi due tomorrow would bounce due to the same and i would have to pay charges to the bank for the same. I have been continuously telling the bank to resolve the issue however even after more than 90 days they have not been able to and continuously harassing me with phone calls and messages asking me to pay the disputed amount. This is a trauma on my mental condition and as this has been going on for months now i would like the bank to compensate for the the insults that i had to face because of their error. This is turn will affect my credit score and i seriously want a compensation for the trauma, ill health, and insults faced due to bank's error. Moreover i was offered a credit card from the bank proactively in 2015 and was told that it was free for lifetime however they charge me every year for the cards. This was a mis - commitment. Moreover they have provided me with 2 credit cards when as per the conversation with the executive i was supposed to get only one and they charge me separately on both the credit cards every year. However the limit on both credit cards are combined and not separate. This proves that they are cheating on me and trying to rip me off and take extra money from me. I would also like to ask for a compensation against such fraudulent activity against me. Request you to please look into the same.

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R

RDsingh097

from Unnao, Uttar Pradesh

Mar 1, 2018

I had two credit card with the name of Randhir singh and My wife (Poonam Pal) both paid all the payment of credit cards through cheque but till now call is coming for payment. Collection officer calling again & again and disturbing way of talking is too bad. I have told so many times but they are not ready to understand. Please help me.

credit card bill dispute and miscommitment and harassment by bank - Comment #3023267 - Image #0

credit card bill dispute and miscommitment and harassment by bank - Comment #3023267 - Image #1

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Address: 211003

On 26/02/2018 my kyc has been completed by bank executive and they have provided me with a link. They told mw that if you want to transfer money to your kotak accnt through other bank accnt you use this link. So today 28/02/2018 i have used that link to transfer my money from bank of baroda debit card whose last digit are as follows- 9783. My query is that my transaction is successful and i have been provided with transaction id also but fund is not tramsferred to my account. Please see to this issue and the amount is of rs 4000. My transaction id is INV9BaC9D41fC1e.

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Dear sir on 23 february 2018 i had funded my account in kotak 811 app using my debit card with rupees 5000 the money was debited from my punjab national bank account but it is still not credited into my kotak 811 account.
I had recieved error after the payment completed

So kindly take appropriate action and credit my account into my kotak 811 account.

Mykotak 811 account details are given below
Account no :-[protected].

The citrus id for the transaction is:-ctx[protected].

Please take serious action and credit the money into my account.

+2 photos

Jun 8, 2019

Complaint marked as Resolved

Thank you sir my complain is now resolved

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S

Sudheer kumar Bandaru

from Palmaner, Andhra Pradesh

Mar 1, 2018

In my account money is deducted account no [protected].1-3-2018 date

money debited from my debit card but not credited to kotak 811 - Comment #3023122 - Image #0

R

Rajesh6031991

from Surat, Gujarat

Mar 1, 2018

Although I have been closed my savings account and current account it's still showing maped with my AADHAR on 23rd Feb 2018. So why it's possible?

money debited from my debit card but not credited to kotak 811 - Comment #3023246 - Image #0

A

Ashok Burje

Mar 1, 2018

Respected Sir / Madam I Kiran Bapuso Patil A / P: Bolwad, Adava Rasta, Bedag Road, Tak Miraj, Dist: Sangli My account number is [protected], whereas Jaya Kiran Patil of my and my wife used to open our account. And my wife's account number is [protected] and both o[censored]s should close this account.

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It has been more than 2months kotak mahindra bank is not returning my refunded money from amazon online shopping. I have contacted in amazon as well as in bank both are responding that the have completed the process but actually bank has not the process. Amazon has completed its process as it has its reference no. Given to me. But the bank is saying that amount has not be sent to bank. It has been long time so clear the transaction as soon as possible.

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S

sateesh vidiyala

from Hyderabad, Telangana

Mar 1, 2018

I got a message from AM-KOTAKB regarding creditcard number ******316 generated the bILL. But still i didn't get any Credit card from your end. So how will bill generated?
Please resolve the issue as early as possible and confirm me.
Contact number:[protected]
Email Id: [protected]@gmail.com

Thanks&Regards,
Sateesh V

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Address: Jaipur, Rajasthan, 302019

Website: online.sai.org.in

An amount of rs. 2310 has been debited on dated 27.02.2018 at 21.09hrs from my account-debit card against the room booking in ahmad nagar at saibab44297 jaipur but the booking beas not successful and transaction was failed with showing an error but the amount of rs. 2310 was debited.
As the transaction was failed and amount of rs. 2310 has been debited so it should be refund back to my account but no amount has been credited till yet. So requesting you to refund the said amount as the transaction was failed.

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Address: Gautam Buddh Nagar, Uttar Pradesh, 201301

I want to close my personal loan after 18 months of disbursment but still they are asking for 5% perclosure fee and said it will take 15 days to close.
Why should i pay 5% fee and why should i wait for 15 days.
No other bank has this type of charges. Really disappionted..
I have to closed this loan urgently.
# this bank

Tell me if any other way

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