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Kotak Mahindra Bank Complaints & Reviews

www.kotak.com

1.5

Updated: Nov 7, 2025

Complaints 4829

Resolved

1327

Unresolved

3502

So far, so good. Kotak Mahindra Bank is working on building a stronger response system and taking steps to address most of the complaints. While there's room for growth, their efforts show a positive trend in customer support. We hope Kotak Mahindra Bank will keep up the work and continue to help more customers with their concerns even better 🤝

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Kotak Mahindra Bank reviews & complaints page 162

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Address: Mehsana, Gujarat, 384315

Website: Www.kotakbank.com

First I open saving account through Kotak 811. It is told that zero balance account but after full KYC visit your representative told that I should maintain minimum 5000 for Nova saving account.i have no problem with this I told it is ok . He told that first year debit card has no charges but after 45 days 172 rupees debited from my account. Also for Nova saving account quarterly one cheque book is free but 33rupees debited from my account only for 10leaves of cheque book..Kotak bank is cheating with customers.. I want to close my account.

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

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Drgirija Kp

from Perumbavoor, Kerala

Feb 6, 2019

Kotak Mahindra Bank - cheating .

Iam residing in kerala and settled here since 2003 . Without my knowledge Kotak Mahindra has issued home loan in my absence, I don’t have savings account in your bank nor I have signed in any papers regarding housing loan, I don’t know even present status whether am co owner, owner or guarantor !! I don’t know location of property too. How come this bank issue loan in my name to someone in my absence ? Kindly check and let me know .
[protected]@gmail.com

Cheating - Comment #3344561 - Image #0

R

RITESH SENTA

Aug 5, 2020

Dear kotak Bank... earlier in current account net banking you are provide service to activate 3 beneficiarys per day...now change to only 1 beneficiary. This is just a joke...how could a current account holder bare this ridiculous decision... kindly change...

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Address: 641035

Sir/madam,
I (S. A. Indhumathi) have been an account holder at your kotak mahindra bank-avinashi road branch. I received a credit card for my account number:[protected] & credit card number:[protected]. But unfortunately, i made a mistake by writing my credit card number wrongly in deposit challan on 6/6/201. So i would like to request you to refund the credit card deposit money as soon as possible. And also i will enclose my last deposition details to the credit card. Our customer team not response now. Kindly refund my mistaken deposit amount in my credit card account.

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

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dhiraj1918

from Pune, Maharashtra

Jun 29, 2017

I sent money on an account. but the money did not reach that bank, but my amount was debited from my account.

Credit card - amount refund reg - Comment #2772877 - Image #0

K

Kadali Sree Kanth

from Thiruvananthapuram, Kerala

Apr 4, 2018

Iam recently 5000₹ send to my friend account money not credit my friend account but debited my account please refund me.

Credit card - amount refund reg - Comment #3058256 - Image #0

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Address: West Delhi, Delhi, 110018

Dear,
I am a former employee of kotak mahindra bank, vikaspuri branch, delhi. I was under notice period from 09/01/2017 to 10/04/2017.
My last working day was april 10th 2017. I have completed the separation process in the systems also.
It has been more than three months since i have resigned from the bank, still i haven't got any intimation regarding my relieving letter. I have already call to the hr regarding the same...

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Address: Mumbai City, Maharashtra, 022

Website: Www.kotak.com

I am mahesh narayan dixit from kanpur. My settlement case for car loan contract no del 5157784 ref no k[protected] account card no ladel[protected] for rs 258008/- has been completed in the month of mar 2017 but no dues certificate has not been received till date. Mr sudhakar the dealing person is not responding my call. Please do the needful at the earliest....

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Address: New Delhi, Delhi, 226001

Hi i received a call from some arvind stating that, is calling from kotak bank, and asked for my other banks, account details, debit card no. Pin and cvv details,, once i denied, he narrated a story that i had a credit card with abn amro, which i not paid... How kotak is related with abn amro,, no statements nothing has been givn to me by any such credit card info by any bank...
For past 2 days, few of my facebook friends getting a call from delhi nos. [protected] and [protected], he is telling his name is arvind,, and calling from kotak bank, and saying that i have taken a 50 lacs of loan and all those respective friends are guarantor in that loan,, he is abusing those people and speaking ill off,, it is a request that if at all you receive any such calls please give him left, right and centre.. I have already lodged a complaint with cyber crime cell at hazratganj kotwali. I have given all the names and numbers of all my relatives and friends, where so ever this guy has called. So that police can verify from them. I further investigated and found many such complaints on google from this no. I am also sharing one of the links. Please beware

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Address: New Delhi, Delhi, 110054

Website: credit card department false bills and amount

Kotak mahindra credit card false amount added to credit card in lieu credit given more than limit of card. Bill generated of 7% extra every month as charges, continuous calls with threatening of sending recovery personal to home and females executive talking harassing calls. I as respect taking female executive we can not answer back. They have only words"if you do not have aukat of giving heavy fines then why you use our cards". On every levy of card limit kotak imposes unvalid amount on emails and sms, which never reconciles total outstanding. 50k card limit and bank card shows 68k due amount...!!!
Over it date for bill generation is 25th so kotak personals start calling from different numbers 20 times a day and states do it today or we will put bad remarks in cibil scores. Please let me know to whom write these all events to stop harassment and get correct outstanding amount.

Jul 30, 2017

Complaint marked as Resolved

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

Verified Support

Jun 27, 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/19WK9Vg or for immediate assistance you may call once again @ [protected].^Pradeep

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Address: 700109

Hi,

Today i called customer care number [protected] and i waited till 39 min (Which cost me around 54 rs) for your representative to receive the call but now one responded to that call. I had some queries for which i called you.
This is very disappointing to see that a very good bank with a very bad customer support. So i hope that i will be able to see some improvements in near future as i have really liked some good ideas the bank is showing.
If i see no improvement then i will have to quit this bank. I hope i will never face this kind of situation in near future.

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Address: Ghaziabad, Uttar Pradesh, 201005

The below message i wrote to kotak mahindra bank today

This is in reference to my credit card no 4147-xxxx-xxxx-4324. I intend to bring in your kind notice that i was settled my cc on dated 13/04/2016 for amount of rs 75000/- with telephonic conversation and i was paid 5200/- on same date as per representative required for 1st installment of the card settlement.

Thereafter every month i was paid monthly installment to kotak bank amount of rs 5k to 6k as per the representative demanding before the date of bank closing.in the meanwhile after few month i've received the hard copy of settlement letter with 6 month tenure.

Finally i was completely paid my all dues in the form of cash rs 75000/- until april 2017 with excess amount rs 2700/- paid due to representative demand for misc. Bank charges on card (Total amount paid 77700/- as per cc statement)

Last wednesday i got a call from your other kotak representative name mr. Vinayak[protected] with threats and abuse language and according to him the total amount received out of the dues is 69000/- and demanding rs 6000/- more if i'll fail to pay they can cancel my settlement letter and claim over the total outstanding on card of rs 110000/-. I described about the settlement and told him to talk with your past/ collect representative and check the statement clearly but he totally refuse to talk with them due to reason of our senior protocol they can't be able to talk with any junior executives.

You are requested to please look at this matter at your end and clear my outstanding asap.

Otherwise i'll raise the complaint and lodge an fir agaist kotak mahindra bank and your representative.

Vivek rawat
[protected]/ [protected]

Jul 25, 2017

Complaint marked as Resolved

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

Verified Support

Jun 24, 2017

Kotak Mahindra Bank Customer Care's response Hi! Trust you are in receipt of an email communication regarding collection settlement. ^Pradeep

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S

SelvaKumarD

from Chennai, Tamil Nadu

Jun 26, 2017

Hi Sir/ madam

We have already requested the credit card, unfortunately we have missed my phone # [protected], please update new number# [protected]. And also please tel me my card status . My Application#[protected]

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Address: Bangalore, Karnataka

Website: www.kotak.com

Dear sir,
Myself from dr. K. Sundiresan, i am a veterinarian by profession. I was working in bangalore, so my salary a/c was in kotak mahindra bank. My a/c no. [protected] somehow they registered my name for credit card, but i left the job & the city before i got any card, i didn’t receive any credit card. But for past 6 months they keep on calling me & saying there is a balance in my credit card & if i don’t pay they will issue civil charges.
I have not received the card, not used the card in single time, and not seen the card. But now they are torturing me through mails, calls. I called customer care no[protected]. But no response. I even tried to address them through online email form, but that’s not working too.
Kindly do the needful.

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

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Balakrishna Athota

from Beawar, Rajasthan

Jun 26, 2017

One year back I requested to please close my account, still they are not closed on top of that they deducted 3, 000 rupees for non maintenance charges.

Regarding credit, card due which i have not taken/scene - Comment #2769481 - Image #0

A

Aaditya Chand

from Delhi, Delhi

Jun 26, 2017

Hi
I'm sher Bahadur Chand(a/a [protected] ) I have salary account and regularly salary credit in my account but in this month 10 and 11 june rs 690 and 690 amounts had been deducted from my account. Ression shows non maintains charge, I have complained many times by mail by call visiting bank but problem remains same till now. Why?. Reply asap

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Address: Mumbai City, Maharashtra, 400058

I have made payment through mvisa to tata sky on june 19, 2017.. No body has clue where money has gone and now kotak bank is telling me to wait for 45 days to resolve query... Amount is 697... I am getting confusing information from call centre... First call i was told that it will get resolved in 5 day and in consecutive call it became 45 days... I am losing confidence... Crn 8906050... Vinodkumar jain

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Address: Kolkata, West Bengal, 700049

Hello, i am from belgharia. B15th june i got a call from kitak mahibdra old mutual life insurance shakespeare sarani branch for job offering as a recruitment hr. I went to their office & gave interview. Hr rakhi santrs told. Same thing to me & said about training.. They charged me 1100 for recruitment training. But during training i heard that i was hired for insurance agent profile. That's truely cheating. They are really fraud.

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Zabiulla Syed

from Kodungallur, Kerala

Jun 26, 2017

Please cancel my a/c coz I don't know how to use it. My name is Syed Zabiulla. I want to close my a/c immediately. And also refund of my deposited money.

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Address: Hyderabad, Andhra Pradesh, 500023

Website: www.kotak.com

Hello,

Without informing me kotak bank has deduct around 1400 rupees from my account. Before deposit 10, 000 rupees they did't inform me. Now when i check my statment i m shoicked to see 1400 deduction by kotank bank. I just want my 1400 rupees back into my account because there is not my fault.
If not respved asap, will lodge complaint in consumer as well as in civil police station as fraud by bank

Thanks,

My number :- [protected]
Account no. :[protected]

Jul 30, 2017

Complaint marked as Resolved

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

Jun 22, 2017

Updated by fawwaz Without informing me kotak bank has deduct around 1400 rupees from my account. now when i check my statment i m shoicked to see 1400 deduction by kotank bank . I just want my 1400 rupees back into my account because there is not my fault.
if not respved Asap, will lodge complaint in consumer as well as in civil police station as fraud by bank

Verified Support

Jun 22, 2017

Kotak Mahindra Bank Customer Care's response Dear Fawwaz,
Thank you for banking with Kotak Mahindra Bank.
We understand the concern shared by you with regards to Non-Maintenance charges levied to your account.
We would like to inform you that Salary accounts are opened with a “Zero balance” balance feature on a condition of continues salary credits on monthly basis.
In-case if the salary is not being credited for two continuous months, then “Zero Balance” feature is revoked and the account attracts “non-maintenance of balance” charges.
As per your account type i.e. Aspira salary account, an Average Monthly Balance (AMB) of Rs. 25, 000 needs to be maintained on daily basis from the month the salary is not credited.
This communication is sent in statement of accounts on the registered email address, besides a separate email is sent informing to maintain the required average monthly balance following RBI guideline.
For more clarification, please refer the below link which explains the applicable general schedule of features and charges
http://www.kotak.com/sites/default/files/service_chages/gsfc_s2w_erstwhile_ing_jan17.pdf
Note charges levied are as per old general schedule of features and charges, where in you had to maintain Rs. 25, 000 as per the AMB if there were no salary credits in your account.
As per the revised general schedule of features and charges w.e.f April 1st, 2017 in case salary is not sighted or product AMB not maintained for 2 consecutive months, the account shall be converted to Corporate Salary EDGE Account and General Schedule of features and Charges for Corporate Salary EDGE Account shall be applicable.
Hence, as per revised general schedule of features and charges w.e.f April 1st, 2017 you need to maintain Rs 10, 000 as AMB if there are no salary credit in your account.
Request you to refer below link for the same:
http://www.kotak.com/sites/default/files/service_charges/gsfc_s2w_erstwhile_ing_apr17.pdf
For any further communication with the bank regarding this request, you may write to us at solutions.[protected]@kotak.com .
Assuring you of our best services at all times.
Regards,
Team Kotak.

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Address: 400072

Website: [email protected]

Hi this abubakr from mumbai i opened account in kotak before a month then i applied for debit card then i got msg from kotak 31 may 17 your card dispatched but still i didnt get my card i complaint may b 5 time but no solution my cnr num is[protected] i think kotak is playing with customers whenever i m calling to kotak then they r saying u will receive your card within 5 days but still no solution its very stupid service and more more more poor service

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Address: Bangalore, Karnataka, 560029

Hello,
I made a wrong imps transaction on[protected] from kotak mahindra to icici bank. I have raised complaint regarding the same on same day. I went to both the bank and talk to them. They both are pointing to each other and saying that action has to be done from other side. Still now i did not get any proper response from both end. Please let me know how can i deal with this issue.

Thanks,
Midhun

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Address: Bangalore, Karnataka, 560029

Hello,
I have done imps transaction from kotak mahindra to hdfc bank on[protected] rupees of 6000. Unfortunately that was wrong transaction. I have raised a complaint on the same day to kotak. Still i did not get any proper response from both the bank. I went to both the bank and talk to them, both are pointing to each other saying that it has to do from their side. Please let me know how can i deal with it.

Thanks,
Midhun

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Address: Hyderabad, Andhra Pradesh

Dear sir,

This is to inform you that i have not yet received the refund of the cancelled ticket which was cancelled by me on 7th june 2017.

The details of which is mentioned as below:

Transaction id – [protected]
Cancelled date – 07/06/2017
Cancellation id – [protected]
Refund amount – rs. 2, 015
Refund status – refunded
Refund date – 13/06/2017

The reservation was made from secunderabad to howrah in train no. 12836, class - 2 ac.

Although while checking in the irctc website it is showing that the amount has been refunded on 13.06.2017, but till date no refund has taken place in my bank account. It’s more than 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.

Hope for a swift action from your side.

Thanks & regards,

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

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Address: Bangalore Urban, Karnataka, 560068

Website: www.kotak.com/personal-banking/convenience-banking/net-banking.html

I was trying to do the payment but the same is getting credited back to my account and receiving an sms stating that ifsc code error, spoken with customer care complained lot of times still no response from them, now collections team is calling me and harrazing me for doing the payment, how can i do the payment when it is crediting back, i am from a reputed family and these types of things are really hurting me a lot, i am saying them that i am ready to do the payment but when i was asking about my issue they are not ready to provide resolution nor giving me an alternate option for doing payment.

+8 photos

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Address: Nellore, Andhra Pradesh, 524001

Website: www.kotak.com

Hi,
I have transferred amount 2871/- through my kotak mahindra bank account ([protected]) to state bank of india ([protected]) on april 3rd 2017 with reference number[protected]. But still didn't received to destination account and not reversed to kotak account too. I have reached to both sbi stonehoupet branch, nellore and kotak bank, nellore no one is responding helping me. Kotak mahindra bank saying from my side transaction got success from sbi (State bank india) is saying we didnt recived the amount. I am not sure where it got strucked. Please check and take it as my request.

Jul 21, 2017

Complaint marked as Resolved

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

Verified Support

Jun 20, 2017

Kotak Mahindra Bank Customer Care's response Hi Ramesh

Apologies for the inconvenience caused to you. We will check on this and make sure we get in touch with you soon.

Team Kotak.

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Address: Kolkata, West Bengal, 700030

Website: www.consumercomplaints.com

Hi, i am very shocked after getting cibil report, i don't have any account of kotak mahendra bank but y cibil report shows that i have a lone account with kotak mahendra bank from 2006 and lone amount rs.18800/- interest rs.900/- due from 2006 interesting is kotak mahendra bank have started there service from 2014-15 so how is it possible to get lone from the bank on 2006!!! And 2nd interesting thing is lone dues from 2006 but any executive of the bank or recovery cell or others didn't call me for recover the lone, in this period of 11 years i didn't know about this lone... I am very sorry to say, this is my bad luck... Now i am expecting to clear the issue and releaf me.

Jul 21, 2017

Complaint marked as Resolved

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

Verified Support

Jun 20, 2017

Kotak Mahindra Bank Customer Care's response Hi, apologies for the inconvenience caused, we request you to kindly write to us at service.[protected]@kotak.com along with copy of CIBIL report for us to look into it. ^Team Kotak

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minu choudhary

from Madhipura, Bihar

Jun 20, 2017

My name is minu choudhary, my registered mobile no. on 811 is [protected], virtual card is not showing on my account, and on 811 showing a message that your virtual card will be activate on 2 working days, but after 2 working days it will be not activated, why? please solve my issue immediately or deactivate my 811 account.

Wrong information upload at cibil. - Comment #2764485 - Image #0

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Address: 110062

Website: www.kotak.com

Dear team,

This is regarding the due payment of my loan no spln60330569

I have taken loan from you this month but it was horrible experience with kotak bank
I was charge some amount for late payment (Other late fee st and finance charge all) so i have called few days before when my loan was updated by you and mr vijesh & nayana you team has confirmed me that i can pay remaining payment emi on 10 july 2017. I got the statement and found that charges has not been removed so i again contacted to your customer care and told her to remove this charge. I was not been informed about these charges neither by mail nor by sms or call. So i will not pay these charges with me rudely and her behavior was not professional.
Who will responsible my cbil score.
Now i am frustrated from this kindly resolve it asap

I have tried so many time to close this matter but i think your team is not interested to sort out this problem.
I don't want to go for further action if you sort out it so it would be great for me if you could do it as soon as possible.

Waiting for positive reply.

Regards
Shashank
[protected]
[protected]

+11 photos

Jul 23, 2017

Complaint marked as Resolved

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

Verified Support

Jun 22, 2017

Kotak Mahindra Bank Customer Care's response Hi, Apologies for the inconvenience caused. We Have forwarded your concerns to our relevant department. ^Team Kotak

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