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Kotak Mahindra BankSavings account

Kotak Everyday Savings Account

Kotak's Everyday Savings Account with a location-based average monthly balance and an Everyday Debit Card whose annual charge changes after the first year.

First-party evidencePublished researchReviewed September 9, 2026Active
Balance / relationshipReviewed Kotak notice/tariff lists ₹15,000 AMB in Metro/Urban locations and ₹10,000 AMB in Semi-urban/Rural locations.
Cost / chargesCurrent Everyday schedule contains service charges by transaction type; the linked Everyday Debit Card is first-year free then ₹250 under the reviewed tariff.
Limits / allowancesCash/ATM and transaction free limits are governed by the current Everyday tariff and bank-wide notes.
Ongoing relationship ruleStandalone Everyday Savings relationship with linked Everyday Debit Card.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipReviewed Kotak notice/tariff lists ₹15,000 AMB in Metro/Urban locations and ₹10,000 AMB in Semi-urban/Rural locations.
02 · Cost / chargesCurrent Everyday schedule contains service charges by transaction type; the linked Everyday Debit Card is first-year free then ₹250 under the reviewed tariff.
03 · Limits / allowancesCash/ATM and transaction free limits are governed by the current Everyday tariff and bank-wide notes.
04 · Ongoing relationship ruleStandalone Everyday Savings relationship with linked Everyday Debit Card.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesCurrent Everyday schedule contains service charges by transaction type; the linked Everyday Debit Card is first-year free then ₹250 under the reviewed tariff.
Balance / relationshipReviewed Kotak notice/tariff lists ₹15,000 AMB in Metro/Urban locations and ₹10,000 AMB in Semi-urban/Rural locations.
Core benefitsEveryday banking services, debit-card access, statements/alerts and applicable family/home-banking features under the current schedule.
Limits / allowancesCash/ATM and transaction free limits are governed by the current Everyday tariff and bank-wide notes.
EligibilitySubject to Kotak savings-account KYC and current sourcing rules.
Ongoing relationship ruleStandalone Everyday Savings relationship with linked Everyday Debit Card.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Customers who want Kotak's mainstream Everyday proposition and can maintain the reviewed location-based average balance.

Verify before relying
  • Balance requirements have been revised previously and should be checked at opening.
  • Debit-card annual charges change after the first year.
  • Cash/ATM free allowances can be revised independently from AMB.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Everyday debit card

Kotak Everyday Debit Card

Kotak's Everyday Account schedule explicitly lists the Every Day Debit Card for the Everyday Savings Account variant.

The reviewed schedule lists first-year free treatment followed by the stated annual charge for the savings variant; current GSFC controls.Verify relationship at bank ↗
First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.