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  1. Home
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  3. Platina Senior Savings Account

Platina Senior Savings Account

Welcome to the preferred banking experience
that makes your banking more convenient and rewarding.
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  • Features & Benefits
  • Fees & Charges

Platina Senior Savings Account

Priority Servicing at all touch points:
  • Dedicated relationship managers to help you customize financial strategies on how to invest and where to invest based on simple financial risk profiling
  • Priority servicing at Platina Lounges at select branches
  • Dedicated & personalised (non IVR) number to ensure we don't keep you waiting and you receive the best of our services on call
  • Callback on Demand - our phone banking executive will get in touch with you
Preferential Pricing on a host of products and services:
  • Preferential allotment of large, secure lockers
  • 50% waiver on annual locker fee
  • 100% waiver on Demat Account Opening fees for the first year
Exclusive MyWorld Exclusive Mastercard Debit Card:
  • High ATM withdrawal limit of Rs. 1.5 Lakhs per day
  • Free, unlimited cash withdrawals and transactions at any Bank's ATMs in India
  • Exclusive rewards program with high value gifts
  • Privileged airport lounge access at select domestic and international terminals in India
24 x 7 Seamless access to your money:
  • Free access to all ATMs of any Bank in India
  • Anytime, Anywhere Banking with high cash withdrawal/deposit limits
  • Unlimited, free Payable-at-Par Cheques
  • Access to ING Internet Banking & Mobile Banking for statements, bill payments and fund transfer transactions
Exclusive Value-added benefits:
  • Access to 100+ Dining discounts to ensure you enjoy every meal had on an ING Debit Card
  • E-deals program that brings you exclusive discounts at popular websites
 


Revision in General Schedule of Fees & Charges for Savings and Salary w.e.f 1st June 2022 Click here to know more

Particulars Type of Savings Account
Orange Metro (Savings Bank Orange Metro) &
Orange Non-Metro (Savings Bank Orange)
Orange Senior (Orange Senior SB) Zwipe, Zwipe Classic (Non Metro) &
Zwipe Senior
Platina SB (SB Platina) &
Platina Senior
General SB-Metro and Urban Branches (Savings
Bank General)
Average Monthly Balance (AMB) Orange Metro: 10000
Orange Non-Metro: 5000
2500 20000 100000 5000
AMB waiver on maintenance of 7.5 Lac TD with Zwipe Senior, Platina SB / Platina Senior on maintenance of 10 Lac FD / 10 Lac TRV, Orange Senior on maintenance of 3 Lac FD stand with drawn with effect from from 1 November, 2016
Non Maintenance Charge (NMC) $ Charges for non maintenance of minimum monthly average balance 6% of the shortfall in required AMB per month. 6% of the shortfall in required AMB per month. (maximum upto Rs. 600/- for Zwipe, Zwipe senior and Platina) 6% of the shortfall in required AMB per month.
Fund Transfers NEFT / RTGS / Fund Transfer (Through Netbanking / Mobile Banking) Free Free Free Free Free
NEFT / RTGS done through branch For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200000 to 500000: 25; > 500000: 50
For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200000 to 500000: 25; > 500000: 50
Free Free For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200000 to 500000: 25; > 500000: 50
IMPS Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Free Free Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Cash Transactions Cash Transaction at Branch / Cash Deposit Machine
(CDM) (Deposit or withdrawal)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Free upto 5 transactions or 3 lac / month whichever is earlier.
Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Free upto 10 transactions or 5 lac/ month whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs. 150)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Cash withdrawal via UPI at Merchant Locations (Max Rs. 1000/day) 1% of Withdrawal amount (Max Rs.10)
Debit Card / ATM Charges Debit Card Charges Debit Fees as per Debit Card GSFC tailed below
Kotak Bank's ATM – Cash Withdrawal / Non
Financial Transactions
Free Free Free Free Free
Other Domestic ATMs - Cash Withdrawal / Non Financial Transactions ## Nil Charges upto 3 txns(In Top 6 Cities#+) & 5 Txn
(Non-Top Cities) per month thereafter Rs. 21 per
cash withdrawal & Rs. 8.5 per Non-Financial Txns
Free Free Nil Charges upto 3 txns
(In Top 6 Cities#+) & 5 Txn
(Non-Top Cities) per month thereafter Rs. 21 per cash withdrawal & Rs. 8.5 per Non-Financial Txns
Declined Domestic ATM Transactions due to insufficient balance Rs.25 per transaction Rs.25 per transaction Rs.25 per transaction Rs.25 per transaction Rs.25 per transaction
Cash Withdrawal / Non-Financial Transactions at International ATMs + Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction
Cardless cash withdrawal (IMT) Nil charges up to 1 transaction per month and subsequent transactions will be charged Rs. 10/- per transaction
DD / Pay order / Cheque Book DD / Pay Order Rs.2.5 / 1000
(Min 50,
Max 10,000)
Rs.2.5 / 1000
(Min 50,
Max 10,000)
Free upto 100K; Post Free limits (Rs.2.5 / 1000 (Min 50, Max 10000) Free Rs.2.5 / 1000
(Min 50,
Max 10,000)
FCY – DD / TT / Cheque Collection / Revalidation / Cancellation / FCY Cheque Deposited and Return 500 500 500 500 500
At-par Cheque Book Charges 25 Chq leaves free / Year; Thereafter Rs.3 / cheque leaf. 25 Chq leaves free / Year; Thereafter Rs.3 / cheque leaf. 100 Chq leaves free / Year; Thereafter Rs.3 / cheque leaf. 100 Chq leaves free / Year; Thereafter Rs.3 / cheque leaf. 25 Chq leaves free / Year; Thereafter Rs.3 / cheque leaf.
ECS / Cheque Issued & Returned (due to non availability of funds) Rs.500 / instance Rs.500 / instance Rs.500 / instance Rs.500 / instance Rs.500 / instance
ECS Mandate Verification Rs.50 / instance Rs.50 / instance Free Free Rs.50 / instance
SI Failure Rs.200 / instance Rs.200 / instance Rs.200 / instance Free Rs.200 / instance
Cheque deposited and returned (INR) Rs.200 / instance Rs.200 / instance Rs.200 / instance Rs.200 / instance Rs.200 / instance
Cheque Issued & Returned for Non-Financial Reason Rs. 50 / instance Rs. 50 / instance Rs. 50 / instance Rs. 50 / instance Rs. 50 / instance
Branch Requests Duplicate Ad-hoc statement, Balance & Interest Statement, Duplicate Passbook, TDS Certificate Through Branch or any other Record Retrieval, Stop Payment - Single / Range of cheque thru branch; DD Revalidation; PO / BC Revalidation/ Cancellation (INR); Annual Combined Statement-Physical; Monthly Physical Statement; Regeneration of PIN of Net Banking / Phone Banking (sent through courier) Rs.100/Request, for
senior citizens:
Rs. 75/Request
Rs.100/Request, for
senior citizens:
Rs. 75/Request
Free Free Rs.100/Request, for
senior citizens:
Rs. 75/Request
DD Cancellation (INR) Rs.100/Request, for senior citizens:Nil Rs.100/Request, for senior citizens:Nil Rs.100/Request, for senior citizens:Nil
Foreign Inward Remittance Certificate Rs.100/Request Rs.100/Request Rs.100/Request
Home Banking Cheque Pick Up / Delivery (Rs. 150 per visit) Rs. 150 per visit.Under Home Banking cash pick up services, lower denomination (value equal to or less than Rs. 50 ) notes and coins will not be accepted. Nil Charges for 2 calls( Zwipe / Zwipe Senior &
Classic) & 10 calls ( Platina SB & Senior)/ Month.Under Home Banking cash pick up services, lower denomination (value equal to or less than Rs. 50 ) notes and coins will not be accepted.
Rs. 150 per visit.Under Home Banking cash pick up services, lower denomination (value equal to or less than Rs. 50 ) notes and coins will not be accepted.
Cash Pick Up / Delivery^ Up to 2 lacs: Rs 1000/- per Req; Rs 2 Lacs to Rs 5 lacs: 1500/- per Req
For Platina SB & Senior- 50% of Charges up to 1 request per month basis standard charge
Family Banking NA NA NA Upto 3 Additional NMC waived Family member accounts under
"My Family"
NA
Statements & Alerts Statements Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free
Balances and Transaction & Value added alerts (Daily / Weekly) 50 ps per SMS (Daily / Weekly) 50 ps per SMS (Daily / Weekly) 50 ps per SMS (Daily / Weekly) Daily SMS - 50 ps/SMS
Weekly SMS free
50 ps per SMS (Daily / Weekly)
Other Charges TOD
Account Closure charges: (if closed after 1 month & before 6 months of A/C opening)
TOD: Rs.500;
Account Closure charges: 500
TOD: Rs.500;
Account Closure charges: 500
TOD: Rs.500;
Account Closure charges: 500
TOD: Rs.500;
Account Closure charges: 500
TOD: Rs.500;
Account Closure charges: 500
Free Services Passbook (in lieu of Account Statement) Current Year Balance and interest statement Signature Verification Certificate Photo Attestation Address Confirmation Free Free Free Free Free
Debit Card Annual Charges Classic Debit Card Rs. 199 Rs. 199 Free Free Rs. 199
Silk Classic Debit Card Rs. 199 Rs. 199 Rs. 199 Free 500.0
Titanium Debit Card 200.0 200.0 Free Free 200.0
Gold Debit Card 500.0 500.0 Free for 1st year, thereafter Rs. 250 p.a Free 500.0
Platinum / My World Debit Card Rs. 750 Rs. 750 Free for 1st year, thereafter Rs. 250 p.a Free Rs. 750
World / World Exclusive Debit Card Rs. 750 Rs. 750 Rs. 750 Free Rs. 750
Kotak PVR Debit Card Rs. 499 Rs. 499 Rs. 499 Rs. 499 Rs. 499
Other Debit Card Related Charges Replacement of Lost / Stolen Debit Card Rs. 200 Rs. 200 Rs. 200 Rs. 200 Rs. 200
Issuance Charges Image Debit Card - Rs. 199 Image Debit Card - Rs. 199 Image Debit Card - Rs. 199 Image Debit Card - Rs. 199 Image Debit Card - Rs. 199
Regeneration of PIN (sent through courier) Rs. 50 per request Rs. 50 per request Rs. 50 per request Rs. 50 per request Rs. 50 per request
Particulars Type of Savings Account
General SB-
Semi Urban Branches (Semi Urban SB)
General SB- Rural Branches (Rural Gen SB) Zing
(Zing Kids Account)
Solo
Average Monthly Balance (AMB) 2000 1000 2000 Nil
AMB waiver on maintenance of 7.5 Lac TD with Zwipe Senior, Platina SB / Platina Senior on maintenance of 10 Lac FD / 10 Lac TRV, Orange Senior on maintenance of 3 Lac FD stand with drawn with effect from from 1 November, 2016
Non Maintenance Charge (NMC) $ Charges for non maintenance of minimum monthly average balance 6% of the shortfall in required AMB per month. NA
Fund Transfers NEFT / RTGS / Fund Transfer (Through Netbanking / Mobile Banking) Free Free Free Free
NEFT / RTGS done through branch For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200001 to 500000: 25; > 500000: 50
For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200001 to 500000: 25; > 500000: 50
For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200001 to 500000: 25; > 500000: 50
For NEFT : Upto 10000: 2.50; 10001 to 100000:5;
100001 to 200000:15;
> 200000: 25
For RTGS: 200001 to 500000: 25; > 500000: 50
IMPS Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Up to 10000: 5;
10001 to 100000: 5;
100001 to 500000: 15
Cash Transactions Cash Transaction at Branch / Cash Deposit Machine
(CDM) (Deposit or withdrawal)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Free upto 4 transactions or 2 lac / month , whichever is earlier. Post free limits, charged at Rs 3.5 / 1000
(Minimum Rs 150)
Nil Charges upto 2
transactions or 1lac / month
Cash withdrawal via UPI at Merchant Locations (Max Rs. 1000/day) 1% of Withdrawal amount (Max Rs.10)
Debit Card / ATM Charges Debit Card Charges Debit Fees as per Debit Card GSFC tailed below
Kotak Bank's ATM – Cash Withdrawal / Non
Financial Transactions
Free Free Free Nil charges upto 5 transactions; thereafter Rs. 20 per cash withdrawal & Rs. 8.5 per non-financial transaction
Other Domestic ATMs - Cash Withdrawal / Non Financial Transactions ## Nil Charges upto 3 txns(In Top 6 Cities#+) & 5 Txn
(Non-Top Cities) per month thereafter Rs. 20 per
cash withdrawal & Rs. 8.5 per Non-Financial Txns
Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6#+ Cities, thereafter Cash Withdrawal – Rs. 20.00 /txn.; Non Financial txn. – Rs. 8.50 / txn.
Declined Domestic ATM Transactions due to insufficient balance

Transactions declined at merchant outlets/websites/ATMs, due to insufficient balance(w.e.f April 1,2019)
Rs.25 per transaction Rs.25 per transaction Rs.25 per transaction Rs.25 per transaction
Cash Withdrawal / Non-Financial Transactions at International ATMs + Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction Rs.150 per cash withdrawal transaction & Rs 25 per non-financial transaction
Cardless cash withdrawal (IMT) Nil charges up to 1 transaction per month and subsequent transactions will be charged Rs. 10/- per transaction
DD / Pay order / Cheque Book DD / Pay Order Rs.2.5 / 1000
(Min 50,
Max 10,000)
Rs.2.5 / 1000
(Min 50,
Max 10,000)
Rs.2.5 / 1000
(Min 50,
Max 10,000)
Rs.2.5 / 1000
(Min 50,
Max 10,000)
FCY – DD / TT / Cheque Collection / Revalidation / Cancellation / FCY Cheque Deposited and Return 500 500 500 500
At-par Cheque Book Charges 25 Chq leaves free / Qtr; Thereafter Rs.3 / cheque leaf. 25 Chq leaves free / Qtr; Thereafter Rs.3 / cheque leaf. 25 Chq leaves free / Qtr; Thereafter Rs.3 / cheque leaf. 25 Chq leaves Nil
Charges / Half Year;
Thereafter
Rs.3 cheque leaf
ECS / Cheque Issued & Returned (due to non availability of funds) Rs.500 / instance Rs.500 / instance Rs.500 / instance Rs.500 / instance
ECS Mandate Verification Rs.50 / instance Rs.50 / instance Rs.50 / instance Rs.50 / instance
SI Failure Rs.100 / instance Rs.100 / instance Rs.100 / instance Rs.100 / instance
Cheque deposited and returned (INR) Rs.100 / instance Rs.100 / instance Rs.100 / instance Rs.100 / instance
Branch Requests Duplicate Ad-hoc statement Balance & Interest Statement
Foreign Inward Remittance Certificate, Duplicate Passbook
Duplicate TDS Certificate Through Branch or any other Record Retrieval
Stop Payment - Single / Range of cheque thru branch
DD / PO / BC Revalidation / Cancellation ( INR); Tax Collection thru branch;
Annual Combined Statement-Physical; Monthly Physical Statement ; Regeneration of PIN of NetBanking/Phone banking (sent through courier)
100 / Request 100 / Request 100 / Request 100 / Request
Home Banking Cash/ Instrument Pick Up / Delivery Rs. 150 per visit.Under Home Banking cash pick up services, lower denomination (value equal to or less than Rs. 50 ) notes and coins will not be accepted.
KYC Pickup – Only for senior citizen and differently abled###
Family Banking NA NA NA NA
Statements & Alerts Statements Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free Email Statement (Monthly): Free; Physical Statement (Quarterly): Free
Balances and Transaction & Value added alerts (Daily / Weekly) 50 ps per SMS (Daily / Weekly) 50 ps per SMS (Daily / Weekly) 50 ps per SMS (Daily / Weekly) 50 ps per SMS (Daily / Weekly)
Other Charges TODCheque Purchase charges Account Closure charges: (if closed after 1 month & before 6 months of A/C opening) TOD: Rs.500; Cheque Purchase
Charges: 0.5/1000 (Min 50; Max 10000);
Account Closure charges: 600
TOD: Rs.500; Cheque Purchase
Charges: 0.5/1000 (Min 50; Max 10000);
Account Closure charges: 600
TOD: Rs.500; Cheque Purchase
Charges: 0.5/1000 (Min 50; Max 10000);
Account Closure charges: 600
TOD: Rs.500; Cheque Purchase
Charges: 0.5/1000 (Min 50; Max 10000);
Account Closure charges: 600
Free Services Passbook (in lieu of Account Statement) Current Year Balance and interest statement Signature Verification Certificate Photo Attestation Address Confirmation Free Free Free Free
Debit Card Annual Charges Classic Debit Card Rs. 150 Rs. 150 Rs. 150 Rs. 150^
Silk Classic / Platinum 150.0 150.0 150.0 Rs. 150^
Titanium Debit Card 200.0 200.0 200.0 Rs. 150^
Gold Debit Card 500.0 500.0 500.0 Rs. 150^
Platinum / My World Debit Card Rs. 750 Rs. 750 Rs. 750 Rs. 150^
World / World Exclusive Debit Card Rs. 750 Rs. 750 Rs. 750 Rs. 150^
Other Debit Card Related Charges Replacement of Lost / Stolen Debit Card Rs. 200 Rs. 200 Rs. 200 Rs. 200
Issuance Charges Image Debit Card - Rs. 199 Image Debit Card - Rs. 199 Image Debit Card - Rs. 199 Image Debit Card - Rs. 199
Regeneration of PIN (sent through courier) Rs. 50 per request Rs. 50 per request Rs. 50 per request Rs. 50 per request
GST on Foreign Currency Conversion Charges (FCY) ~ GST on Foreign Currency Conversion Charges (FCY) ~
Value of purchase or sale of Foreign Currency Value on which GST rate will be applicable Value of purchase or sale of Foreign Currency Value on which GST rate will be applicable
Up to Rs 1,00,000 1% of the gross amount of currency exchanges or minimum of Rs.250/- Up to Rs 1,00,000 1% of the gross amount of currency exchanges or minimum of Rs.250/-
Above Rs.1,00,000/- to Rs.10,00,000/- 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000. Above Rs.1,00,000/- to Rs.10,00,000/- 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.
Above Rs.10,00,000/- Rs.5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs.60,000/- Above Rs.10,00,000/- Rs.5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs.60,000/-
Forex Card Particular Standard charges
Issuance Fee 250 (exclusive of GST)
Reload Fee 75 (exclusive of GST)
Foreign Exchange Services (FES) Foreign Exchange Services (FES)
Outward Remittances - Individual Standard Charges Outward Remittances - Individual Standard Charges
Telegraphic Transfer Charges (other than payment for imports) INR 1250 + Tax Telegraphic Transfer Charges (other than payment for imports) INR 1250 + Tax
Correspondent Bank Charges (Outward remittance wherein the foreign bank charges are paid by remitter) INR 1000 + Tax Correspondent Bank Charges (Outward remittance wherein the foreign bank charges are paid by remitter) INR 1000 + Tax
Issue of FCY DD's INR 750 + Tax Issue of FCY DD's INR 750 + Tax
Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account) 0.125 %; minimum INR  1,000 +Tax Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account) 0.125 %; minimum INR  1,000 +Tax
As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Accounts.
^ If customer upgrades or buys an additional card, charges will be as per Edge variant.
##Cash withdrawal limit from other Domestic ATM is Rs. 10000 per transaction.
#+ Top 6 Cities –Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs.
Mandatory Alerts will not be charged. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge, even if Daily / weekly Balance SMS alerts facility has not been subscribed.
**Indo - Nepal Remittance Scheme (NEFT Charges):
If Beneficiary maintains an Account with Nepal SBI Bank Ltd. (NSBL): Rs. 25 per txn (incl all taxes).
If Beneficiary does not maintain an Account with Nepal SBI Bank Ltd (NSBL): Upto Rs 5000 - Rs 75 per txn & beyond Rs 5000 - Rs 100 per txn (incl all taxes).
The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction.
A charge of 1% on the transaction amount + GST will be applicable on cash withdrawal transactions done at merchant outlets (Cash@PoS) [w.e.f April 1,2019]
Non-financial transactions are Balance Enquiry, Mini Statement & PIN Change.
Debit Card Annual Charges for Junior, Youth and Maestro Debit Cards will be same as Classic Debit card.
+Additional charges levied by another bank on international ATM transactions will also have to be borne by the card holder.
Charges are exclusive of the Goods and Service Tax (GST).
With effect from July 1,2017 the effective Goods and Service tax rate will be 18% on taxable value. The GST rate is subject to change from time to time.
The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges.
^For On call cash pickup if its more than 5 lacs then we will be charging upfront Rs 4600/- per pickup flat charge. Please note that the
Cash Pickup/ Delivery charges pertain to the “ Cash Pick-up/ Delivery” service offered to the customer. Additional charges for cash transactions shall be levied basis the Cash Transaction limits offered under the respective variant. The Cash pick-up amount shall be a part of the overall Cash transaction limits offered under the variant.
<> Penalty charges.
$ Please note, if your account is currently in dormant status, non-maintenance charges will not be applicable to the same. In order to activate your account, please visit your nearest Kotak Bank branch
With effect from April 1, 2015: In the event of a default in maintenance of Average Monthly Balance as agreed to between the Bank and customer for the month (referred as ‘Default Month’), the Bank will notify the customer clearly of the default and that the Average Monthly Balance for the account has to be met in the subsequent month (referred to as ‘Notice Month’) . If the AMB is still not maintained in the ‘Notice Month’, the NMC (Non Maintenance Charges) for both the ‘Default Month’ and ‘Notice Month’ will be recovered in the subsequent month. The Bank may choose to notify by SMS / email / letter. It will be the responsibility of the customer to have a valid email id, mobile number and address updated with the Bank at all times, failing which, customer may not receive the notification/s. The NMC charges will be based on the shortfall observed in the AMB and as specified in the slabs in GSFC. In case of accounts sourced under promotional offering and enjoying conditional NMC waiver, the terms and conditions of such promotional offering shall prevail.
State government taxes/ Cess as applicable shall be charged
W.e.f 1st July,2020; threshold as well as Rate of TDS applicable for CASH withdrawal will dependent on submission of proof of Income Tax Return filed. Revised TDS rates will be as under :
Aggregate Cash Withdrawals in all accounts in a Financial Year Income tax Return copy Submitted to Bank Income tax Return copy NOT Submitted to Bank
Upto Rs.20 Lakhs Nil Nil
Rs.20 lakhs to Rs. 1 crore Nil 2%@
In Excess of Rs. 1 crore 2%@ 5%@
.@If PAN is not updated in the account then the TDS deduction at the rate 20% as per section 206AA of the Income Tax Act will apply. For foreign companies, foreign partnership firms, Non-residents additional surcharge and health & education cess will be applicable as per Income Tax law.

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Kotak International Business

Kotak International Business specialises in providing a range of services to overseas customers seeking to invest in India. For institutions and high net worth individuals outside India, Kotak International Business offers asset management through a range of offshore funds with specific advisory and discretionary investment management services.

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