• Up to 6% interest rate

    On your savings

  • 24x7

    Customer service facility

  • Unlimited

    cash transactions at branch

A flexible savings account that supports your savings goals.

Savings Account with Kotak mahindra bank are an excellent way to earn interest while you still maintain easy access to your money with internet banking and our mobile app.

Benefits of Kotak mahindra bank Savings Account

Three advantages of savings accounts are the potential to earn interest, it's easy to open and access, and FDIC insurance and security.

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  • Earn up to 2.30% p.a. variable interest rate, including:
  • 1.50% p.a. standard variable base rate plus
  • 0.80% p.a. variable bonus rate each month you grow your balance.
  • Enjoy a competitive base rate plus bonus interest each month you grow your balance.
  • Unlimited and instant access to your money online through your Borrow everyday account

Why open a Kotak mahindra bank Savings Account?

No matter what your financial goals are, opening a savings account is a good idea. You won't need a pile of money to open an account at many banks either.

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Unlimited transfers

Kotak mahindra bank Savings Account allows you to do unlimited transfers from or within your account

Competitive base rate

Kotak mahindra bank Savings Account offers the best rate for account opening

Savings Goals

Kotak mahindra bank Savings Account helps you to save more.

  • Who can open ?
  • Saving Goals
  • Features
  • Fees

To open a Kotak mahindra bank Savings Account, you must:

  • All individuals having valid KYC documents are eligible to open BSBD Account.
  • Singly, jointly, or with Either or Survivor, Former or Survivor, anyone or Survivor etc. facility.
  • The Customer cannot have any other Savings Bank Account.


  • Instant redemption at over 1200 participating oil outlets.
  • Redemption rate at oil outlets: 1 Reward Point = Rs 0.25 | Minimum Points required to redeem: 250.

In-Store Shopping

  • Instant redemption at select partner stores.
  • Redemption rate at stores: 1 Reward Point = INR 0.30 | Minimum Points required to redeem: 250.

Air miles

  • Redemption rate for air miles: 1 Reward Point = 0.75 miles | Minimum Points required to redeem: 100.

Cash back

  • Adjust points against your Statement outstanding.
  • Redemption rate for cash back: 1 Reward Point = Rs 0.35 | Minimum Points required to redeem: 5,000.
  • Available at all branches.
  • Minimum balance amount Nil.
  • Maximum balance /amount No upper limit.
  • No Cheque Book facility available.
  • Withdrawals only using withdrawal form at Branches or through ATMs.
  • Basic ATM-cum-debit card will be issued.

Personal Concierge Services

Call your concierge for help with planning a party, sending flowers, making dining reservations, for travel assistance.

Dining Privileges Up to 15% savings across participating restaurants.
Shopping Privileges Enjoy savings and offers several stores in your City.
EMI Privileges Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers.

Apply For Fixed Deposit

Apply For Kotak mahindra bank Fixed Deposit

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Kotak mahindra bank Customer Care Number, 24/7 Toll-Free Number

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List of Kotak mahindra bank IFSC Code, MICR Code, Branch Code and Addresses in India

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