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Kotak Mahindra Bank Complaints & Reviews

1.5
Updated: Jun 22, 2026
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Kotak Mahindra Bank reviews & complaints page 148

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S
Satish Momula
from Proddatur, Andhra Pradesh
Nov 2, 2017
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Address: 500081

My account has been deducted for Rs.885. for annual fee on debit card.
While taking the account I got an update from your executive that there wont be any charges were present on the bank account and debit cards.
I don't know why you are trying to deduct now.
If this goes on and I wont get any reimbursement for the money which was deducted, I will cancel my kotak bank account.
Can you update and provide me the refund asap.
Dec 4, 2017
Complaint marked as Resolved 
Kotak Mahindra Bank customer support has been notified about the posted complaint.
My account has been deducted for Rs.885. for annual fee on debit card.
While taking the salary account executive didn't mention this plus this is 3 year with kotak mahindra bank and never happened before.
I don't know why you are trying to deduct now.
If this goes on and I wont get any reimbursement for the money which was deducted, I will cancel my kotak bank account.
Can you update and provide me the refund asap.
I am facing the same problem my savings account has been debited with amount of Rs 885 twice for year 2020 and 2021 as debit card charges and also rs 850 has been blocked as not usable balance, in short i have been charged approximately rs 2500 in 6 monthsIf that are the charges i would like to cancel my card. I am a student and cant pay such heavy chrages therefore please refund my money and cancel my account if possible.
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    K
    Krishna45190182
    from Delhi, Delhi
    Nov 2, 2017
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    Address: 121006

    Dear sir,

    This is to inform you that during october, 2017. A total amount of 41899.00 was shifted
    To upi/vpa account by [protected], ram sharma, from cp, new delhi branch duly approved
    By me.

    Now, i would like to transfer all amount from upi/vpa to my original account [protected]
    In the name of krishna kumar singh.

    The amount were transferred to vpa as on following dates:

    [protected].00

    [protected].00

    [protected].00

    _
    41899.00

    I have no use o[censored]pi/vpa (Means petty expenses) on this account. So, please be
    Transferred to my account no [protected] and oblige.

    Thanking you,

    Yours sincerely;

    Krishna kumar singh
    A/c no [protected]

    Phone no [protected]

    Ref no 98404983
    Kotak Mahindra Bank customer support has been notified about the posted complaint.
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      S
      Shashi151987
      from Renigunta, Andhra Pradesh
      Nov 2, 2017
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      Address: Ghaziabad, Uttar Pradesh, 201014

      I have opened account of 811 which is zero balance account and one of rep came and verified aadhar and all then started. I have 1000 rs. I requested for cheque but not debit card but they deducted money for debit card also. Now they started deducting low balance as balance is zero as of now. They are cheating customers. Advertising zero balance account is giving fake info.
      Kotak Mahindra Bank customer support has been notified about the posted complaint.
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        B
        brijesh kumar bharti
        from Gurgaon, Haryana
        Nov 2, 2017
        Resolved
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        Address: Singrauli, Madhya Pradesh, 486888
        Website: complain

        17 oct. Ko sham me mere 3500 kat liye gaye koi wajha ke bina mujhe mera paisa chahiye warna mera account band kar do itana ganda bank hai jo bina information ke kat liya aap ke costumer care wale bat karane ko razi nhi to bataiye ab ham kya kar jaldi batiye ga paisa milega ya nhi yadi nhi to jaldi bank band kar dena kaun rakhna chahega or itane paise nhi hai na mere pas jo bar bar katwaunga ok
        Dec 3, 2017
        Complaint marked as Resolved 
        Kotak Mahindra Bank customer support has been notified about the posted complaint.
        Verified Support
        Nov 02, 2017
        Kotak Mahindra Bank Customer Care's response
        Hey there! Looks like you’re in a fix. Can we help? Plz write to us via http://bit.ly/2wg92xK
        or for immediate assistance you may call @ [protected].^Team Kotak
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          A
          Amruta.Arvikar
          Nov 2, 2017
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          Please note, on 1st november, i tried to transfer 600rs to another acc using kotak mahindra bank mobile application but transfer has failed, after that i tried again but same issue i found, main problem is my money has been deducted from my acc, i tried to call customer care but call not connected. I already waiting since last 30 hrs but my money not get refund, so please let me know as soon as possible.

          My imps ref no is[protected]
          Kotak Mahindra Bank customer support has been notified about the posted complaint.
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            N
            narayan hyd
            from Hyderabad, Telangana
            Nov 1, 2017
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            Address: Hyderabad, Andhra Pradesh, 500003

            Dear all,

            My personal loan no is 59657009. I have paid all the emi's and no any over dues but still continue banks is sending legal notice again gain to my home town..

            Why they are sending the legal notice.???.. I am unable to understand..

            This is very bed my family member are worried about this.. I am not staying
            With them...

            Still now 04 letter got...

            One letter received from p. Ganesan (Arbitrator) from chennai for attain in the court

            Second letter received from kmbl... 11 oct 17
            Ref no... Not mention..

            When ever they want they hold the fund from my sb a/c
            Last month they have hold 06 times.. Without any mails or call..

            I have never seen this type of service from any banks..

            I am felling very bed for this and planning to closed all family member account (22 sb a/c and 04 current a/c)..

            Regards,
            Customer
            [protected]
            Kotak Mahindra Bank customer support has been notified about the posted complaint.
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              B
              Bala Raman
              from Chennai, Tamil Nadu
              Nov 1, 2017
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              Resolved

              Keep on getting calls from kotak mahindra bank and forcing me to pay the credit card bills though the due date was there. Got a call from [protected] this number and guy called satish spoke. He was using filthy language and threating that will move my card to cibil. He was telling that i can't complain about him and when i asked that i need to talk to his manager he told he was the manager and everything over there. Moreover he was asking last month i paid on 25th and song why i didn't pay this month. My due date is on 6th nov and i does online payment. What is the necessity for me to pay the bills early? It's my wish and can pay anytime i want before the due date.

              Tried to reach kotak customer care but no luck.
              Dec 17, 2017
              Complaint marked as Resolved 
              Kotak Mahindra Bank customer support has been notified about the posted complaint.
              Verified Support
              Nov 02, 2017
              Kotak Mahindra Bank Customer Care's response
              Hey there! Looks like you’re in a fix. Can we help? Plz write to us via http://bit.ly/2wg92xK
              or for immediate assistance you may call @ [protected].^Team Kotak
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                P
                Priya Bhoria
                Nov 1, 2017
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                Address: Gurgaon, Haryana, 122001

                Fraud transaction has been done by someone by using my card number twice but only one time amount has been deducted. Please help in getting me my money refund
                Below is the message of transaction i have received

                "thank you for using your kotak debit card xx0508 for rs.1550 at [protected] on[protected]:54:14 ist
                Account no xx8647 has been debited for the same"
                Kotak Mahindra Bank customer support has been notified about the posted complaint.
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                  I
                  Imti Paker
                  from Kolkata, West Bengal
                  Nov 1, 2017
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                  Address: New Delhi, Delhi

                  I have given 3500 and 4325=7825 to your bank for my job they take away from me and they send to me below email please take a proper action and reply be back my money. I am soo poor i don't have nothing say sir if you caught that person put him for life time and he say that he worked in monster business company.. I will give her phone number[protected] please reply my money
                  Kotak Mahindra Bank customer support has been notified about the posted complaint.
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                    B
                    Bhaskar Paruchuri
                    from Chennai, Tamil Nadu
                    Oct 31, 2017
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                    Respected sir,

                    I, paruchuri bhaskar the customer of kotak mahindra bank tried to draw rs.3000/- in india 1 atm centre (Location : sydapuram, nellore district, andhra pradesh) on sep'03, 2017 whereas i received only 600/- rupees but the amount of 3000/- got detected.
                    The issue has been forwarded to the bank but i had not been responded properly and also had been instructed to sort out it in any other way so i request you to look in to the issue and sort out it has soon as possible.

                    Details of transaction

                    thank you for using your kotak debit card xx1593 for a cash withdrawal of rs. 3000 at 40533201 atm on[protected]:15:34 and transaction reference no is[protected].
                    This is msg i got from my mother bank (Kotak mahindra bank)

                    Thanking you sir

                    Yours
                    Paruchuri bhaskar
                    [protected]
                    Kotak Mahindra Bank customer support has been notified about the posted complaint.
                    The Bank customer support team responded and shown to me CCTV footages but it was showing face images only not for the images of money transaction. I am not satisfied with the bank services because they should aware of about the complaint according to that they have to respond. when I was calling to customer care one of the customer care executive told me, "cctv footages came to branch so you can meet nearest branch, they can show cctv footages, so I went to my nearest Kotak Branch ( Kilpauk Branch ) there they checked my details, they said still we didn't received any cctv footages better you can meet at your mother Branch they may show. The next day I went to my mother branch T Nagar, again they checked my details they said still date we didn't received any cctv footages, then infront of them I called to the customer care then another customer care executive told me that sorry sir still we didn't received any cctv footages may be they given false information sorry sir like that he said, that means they didn't aware of nature of complaint. Because of them I am suffering to their services a lot. I am wasting my energy, money and time. This is one of the corporate bank provided very bad services. They don't want customer satisfaction but they need customers money for doing business and getting charges in different ways. ( in my personal life I didn't received credit card even though they collected annual charges, they hold my account, and When I was asking the bank person he said, when you pay the money then we can unhold your account. Finally I paid annual charges without using Credit card. It is worst service Bank. I am requesting you, provide me evidence for the successful transaction.
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                      A
                      Amoljain
                      from Bansi, Uttar Pradesh
                      Oct 31, 2017
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                      Address: Kanpur, Uttar Pradesh, 208002

                      Hopeless bank..
                      Don’t ever invest in this bank.
                      Highly uneducated staff and unfriendly team. The branch of kotak mahindra bank of kanpur, govind nagar branch is a hoax. All staff including manager is not fit for banking and supposedly from non banking background..

                      Kotak don’t have online payment gateway. They do it through idbi bank. For which they take more than 34 hrs for tax payment challans

                      Amol jain

                      Molested customer
                      Of kotak mahindra
                      #[protected]
                      Kotak Mahindra Bank customer support has been notified about the posted complaint.
                      My account no is[protected] my account is zero balance account it isattached with my husband's account from last two years we r facing this type of problems my bank don't have any solution they not have any answer we have worst experience with this bank
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                        V
                        vikashatul
                        from Noida, Uttar Pradesh
                        Oct 30, 2017
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                        Address: New Delhi, Delhi, 110096

                        I have used kotak credit card and i failed to pay emi for last 5 months due to financial crysis now i got calls from collection team to settle in 42000 and i was ready to pay 42000 my total outstanding is 66000 but now they are telling to pay me first 8000 then they will settle in 48000 i also paid 7000 last month so i don't want to pay 8000 i want to pay settle amount 42000 and i am asking for settlement letter to guys but they want to me to pay some amount monthly by monthy so please help me to this regards i arranged amount of 42000 to pay and full and final settlement.
                        Kotak Mahindra Bank customer support has been notified about the posted complaint.
                        Oct 31, 2017
                        Updated by vikashatul
                        Hello
                        I am waiting for response yet please arrange a call with bank i am ready to pay 42000 and full and final settlement.
                        Dear sir / madam
                        What is mean by 24/7*365 .whenever I try to talk with customer care they never come line.i need help that's why I am try to calling yours but no one picking call then why your are showing 24/7*365 days plz take out and ensure sure I mean working hours don't ensure fake. Really I am very tired due to yours
                        Dear sir/ madam I am MBM prasanth (a/c [protected])from hyderabad. This is informed you I'm not received credit card but in my account has visble credit card balance. My card is already activated How to get card please accept my complaint
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                          A
                          Arif0722
                          from Delhi, Delhi
                          Oct 30, 2017
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                          Address: New Delhi, Delhi, 110015

                          Hi,

                          I am using 811 zero balance account i was told there are no maintenance charges.

                          Now bank hold my 1297 inr due to cash deposite at branches i need to why there was such deduction prior notice to me also representative who collected the documents even bother to tell me about the charges for cash deposite.

                          Also i called on customer and logged the complaint on 28th oct but nothing is been done ref no - sr#1-[protected] which is still pending for resolution.

                          I therfore request you to who so ever is concerned to get the money refunded to the account and share further guideline to proceed ahead.

                          Ac no - [protected]
                          Branch - kirti nagar

                          Thanks & regards,
                          Aarif khan
                          [protected]
                          Kotak Mahindra Bank customer support has been notified about the posted complaint.
                          Sir i had many bank accounts so kindly close my kotak mahindra bank account
                          Hello my money is deducted by dod not received by the merchant please refund the amount
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                            B
                            Bhola@017
                            from Chandigarh, Chandigarh
                            Oct 30, 2017
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                            Address: Patiala, Punjab, 140401

                            I have done an imps from kotak to obc bank as on 13.09.17 for amount 100/- agst ref no[protected]. From this date no bank charges deduct. After this as on 25.10.17 bank deduct charges for rs - 5.90/- for this transaction whereas there is no bank charges are applicable on imps as per bank schdule.
                            Detail
                            Transation date - 13.9.17
                            Amt -100/-
                            Bank charges deduct date - 25.10.17
                            Type - imps from kotak to obc abnk
                            Kotak Mahindra Bank customer support has been notified about the posted complaint.
                            Oct 25, 2017
                            Ravindra Chaubey's response
                            I would like close my intire family and business account from kotak
                            Oct 30, 2017
                            Updated by Bhola@017
                            my account information
                            CRN no[protected]
                            account no - [protected]
                            name - himanshu mittal
                            mobile no - [protected]
                            email id - [protected]@gmail.com
                            Name Paramjit singh account no.[protected]. Dt[protected]. Transaction number CBSN178301. for withdrawal of Rs 3700. At canra bank ATM. Cash not received but balance dedcted from account so please refund my Rs 3700 i shall be very thankful to you
                            No one accepting call and even after calling on customer care no call cut automatically.i have given request for cheque book but till now not receive .third class services given by kotak bank
                            Sir 10s coin are not accept your Branch cashier in ludhiana Cash deposit extra charges
                            Kotak Mahindra Bank Customer Care's response, Oct 31, 2017
                            Verified Support
                            Hi Sarika! We deeply regret this unpleasant experience. We request you to kindly reach us at 1860 266 2666 and our officers will be happy to assist you. ^Team Kotak
                            My money is transfer in other branch ifsc code?kindly help me sir
                            My mail [protected]@gmail.com
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                              V
                              v1257
                              from Hyderabad, Andhra Pradesh
                              Oct 30, 2017
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                              Address: Hyderabad, Andhra Pradesh, 500019
                              Website: www.kotak.com

                              I have kotak mahindra jifi account since 2014 and i was never charged any hidden charges till may 2016.

                              Later all of a sudden i see that multiple tbms charges were charged against my account and i did not even received a sms or transaction mail regarding the same. Today i was checking all my transaction history and i was unhappy to see that multiple tbms charges were there in my transaction without my knowledge, even they charged me db card charges around rs.228 /- in 2016 without my knowledge (They never charged me db charges till oct 2016 since 2014) i don't why they stared charging debit card annual charges all of a sudden.

                              When i spoke with customer care sagar he said that for every transaction made out of kotak mahindra atm i will be charged tbms charge irrespective of financial/non-financial transaction they were charging minimum of rs. 28/- and cheating the customers without sending transaction charge mails or sms.

                              Also when i asked sagar regarding rbi guidelines about 5 free transaction in any atm he said that he is not aware of it and also said that the jifi account guidelines says that for every atm transaction other than kotak mahindra i will be charge transaction charge. When i checked the latest jifi account details it does not saying anything which was conveyed by sagar from kotak customer care. Here is the link which i am referring to http://www.kotak.com/sites/default/files/service_charges/gsfc_jifi_saver_jan17_0...

                              Below i attached a sample tbms charges which were charged against my account. I was trusting kotak blindly till today and i realised that they are not trustworthy and broke the standard rbi rules. They are definitely cheating customer and are eligible for ipc section 420.
                              Kotak Mahindra Bank customer support has been notified about the posted complaint.
                              Oct 31, 2017
                              Updated by v1257
                              Screenshot attached

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                                A
                                Abhilash choubey
                                from Kishanganj, West Bengal
                                Oct 30, 2017
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                                Address: 800010

                                This is to inform you that, on[protected], i, abhilash kumar had booked a ticket with transaction id - ([protected]) from ltt to ppta by online payment through kotak mahindra bank (Debit card method) for which i hadn't got the confirmation message of booking. So i had cancelled the ticket for which i had already paid. It is showing that irctc has refunded the money to your bank account but i haven't got the amount in my account. My bank by which i made the payment is punjab national bank.

                                Now it is showing that refund has been initiated with i. D.-no. ([protected]), but i have not got the refund in my bank account from which i had paid till now. Kindly have a look at this matter for which i will be grateful to you.

                                Yours sincerely
                                Abhilash kumar choubey
                                Kotak Mahindra Bank customer support has been notified about the posted complaint.
                                Oct 24, 2017
                                r61996291's response
                                Ok
                                TBMS charged of Rs. 118 on my kotak 811 account which was said to be an zero balance account through all the advertisements and bank officials when opening an account. Now they are not keeping their words. Very unhappy with it. Attaching screen shot of above issue.
                                I have not registed my mo no
                                But your app is ask alreday registed my number so you can de registed my mo no
                                My mo no is [protected]
                                Sir Bank branch miler gang ludhiana service is very poot staff are not supported.
                                This is to inform you that, on[protected], i, Thirukumaran.R had booked a ticket with transaction id - ([protected]) & transaction id-([protected]) from VM to NCJ by online payment through kotak mahindra bank (Debit card method-Indian bank) for which i had got the confirmation message of booking. After that i had cancelled the both tickets for which i had already paid. It is showing that irctc has refunded the money to your bank account but i haven't got the amount in my account. My bank by which i made the payment is Indian Bank.

                                Now it is showing in IRCTC website that the amount was refunded with Cancellation/Refund ID for both tickets are ([protected]) & ([protected]) dated 2.04.2018, but i have not got the refund in my bank account from which i had paid till now. Kindly have a look at this matter for which i will be grateful to you.

                                Yours sincerely
                                Thirukumaran.R
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                                  M
                                  Mamshad Ahmad
                                  from Dehra Dun, Uttarakhand
                                  Oct 30, 2017
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                                  Dear sir,
                                  This is to inform you that i have not yet received the refund of the cancelled ticket which was cancelled on 16 october 2017

                                  The details of which are mentioned below:

                                  Pnr - [protected]
                                  Transiction id - [protected]
                                  Cancellation id - [protected]
                                  Transiction date - 16 oct 2017
                                  Transiction amount - 315
                                  Refund amount - 315
                                  Refund status - refunded
                                  Refund date - 20 oct 2017
                                  Train no. /name - 14236/be bsb express

                                  The reservation was from bareilly to varanasi from sleeper class

                                  Although while checking in the irctc website it is showing that the amount has been refunded on 20 october 2017 but till date no refund has taken place in my bank account. 10 days have passed but i have not received the refund.

                                  Request you to refund the amount in my bank account from where the amount was paid while booking the above ticket.

                                  For any consult and inquiry email me - [protected]@gmail.com

                                  Hope for a swift action from your side.

                                  Thanks & regards,
                                  Kotak Mahindra Bank customer support has been notified about the posted complaint.
                                  Kotak bank have no compaint mail address.???
                                  this is suit for bank status?????
                                  please provide bank mai ad. as soon as
                                  Kotak Mahindra Bank Customer Care's response, Oct 31, 2017
                                  Verified Support
                                  Hi, you may write to us post login in to Net Banking > Get support> Inbox. This helps us get complete information with CRN, account number and other details that too often get forgotten in Emails. ^Team kotak
                                  Mamshad Ahmad's [Complaint's author] reply, Oct 31, 2017
                                  provide me an e-mail id on which i will send my complaint
                                  how can i get my money back provide me proper information i will be very thankful to you
                                  Mamshad Ahmad's [Complaint's author] reply, Oct 31, 2017
                                  i don't have any account in your bank why the railways sent my money to your bank why they didn't refunded my money in same bank
                                  and what's the process to take the money to my bank account
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                                    F
                                    fedupIndian
                                    Oct 30, 2017
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                                    Website: www.kotak.com/j1001mp/netapp/MainPage.jsp

                                    I am a existing customer. I am not able to login and the website does not give any options to contact the customer service. The number i got from google[protected] goes in circles with no option to talk to representative. Trying different things from the past two hours... Next time i go to the bank physically i am sure to close the account so that i do not have to deal with them. The contact us link is a fake and it takes to a static logout page.. The email id got from net service. [protected]@kotak.com is disabled and hence not monitored. Not sure how to contact them.

                                    If there is a customer service number or email id please update it on the page.

                                    Not sure how they are still in business.
                                    Kotak Mahindra Bank customer support has been notified about the posted complaint.
                                    I have submitted closer form in my home branch in sec-63 noida before 2 month but account not close till now.
                                    i am getting message as warning to credit salary or maintain 10000 per month to avoid non-maintenance charge.
                                    my crn is[protected] and my contact no is [protected]
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                                      K
                                      kaushik meta
                                      from Bengaluru, Karnataka
                                      Oct 29, 2017
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                                      Address: Mumbai City, Maharashtra
                                      Website: Radissonblu

                                      Hi team,

                                      I had already raised service request no. Sr#1-[protected] in may 2017. There were 3 fraud transactions in may 2017 for transactions at radissonblu.com

                                      Amount :
                                      17/05/2017 - rs.6772
                                      23/05/2017 - rs. 7653
                                      25/05/2017 rs. 6722

                                      In all these there was no otp request generated or email or sms that a transaction was made. When i checked the statement i saw these. I made complaint and was given a new credit card no.

                                      I checked the site radissonblu and tried to make booking. The site is totally insecure. Anyone knowing just the credit card no can make a booking. There is no name, no otp, no correct expiry, no cvv needed. So its very easy to book hotels in this site. However as a securing measure kotak should have generated an otp or cvv. Nothing happened. I made a transaction with old credit card which is now invalid and that to with incorrect expiry date and it went thru. Screenshots attached.

                                      After some filing dispute i was told that the ruling went in favour of merchant (Radisson). Why should i have to pay for security failure of kotak.
                                      Kotak Mahindra Bank customer support has been notified about the posted complaint.
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                                        chirag_011
                                        from Nagram, Uttar Pradesh
                                        Oct 28, 2017
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                                        Address: 313324
                                        Website: kotak.com

                                        I am chirag jain and had an account with kotak bank. Today, it has been found that my existing urbane credit card got upgraded some time back, though i never received any message for the dispatch of the new card, nor i received the card ever.

                                        I've not even received any activation code/pin on the registered mobile number. Now i got to know that the new card is misused somewhere for the fraudulent withdrawal of 10000 and 2000 on 26th october, 2017. This is an epitome of pathetic service, where a card never received to the receiver and charged fraudulently.

                                        Though i've sent a cardholder dispute form to the kotak bank. It's really frustrating, how can bank guys can activate a card without the owner context, without any message and get the never delivered card charged fraudulently. Now i'm bearing the hassle. I want the refund as soon as possible along with complete detail on how this fraud happened, and how could you guys activated a new card without any otp/verification message and who actually got this card.
                                        Kotak Mahindra Bank customer support has been notified about the posted complaint.
                                        I open my account in kotak bank via mobile app and i register my aadhar no and phone number .but whenever i used anything it says my phone number is not registered.please resolve my problem.My account is running and is active .
                                        Kotak Mahindra Bank Customer Care's response, Nov 5, 2017
                                        Verified Support
                                        Hi, we wish to inform you that you have access to Mobile banking app. We request you to try reinstalling the app and clear the cache & junk files. In case the issue still persists, kindly send us the error screenshot to [email protected] along with your contact number so that we can check on this. ^Team Kotak
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