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Kotak Mahindra BankSavings account

Kotak Bank NRE Rupee Savings Account

Kotak Bank's regular NRE rupee savings account with ₹10,000 opening funding and ₹10,000 AMB, fully repatriable principal/interest and international debit-card access described at the account level.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationship₹10,000 minimum opening amount and ₹10,000 Average Monthly Balance on the reviewed NRE product page; the current NRI GSFC independently lists ₹10,000 AMB for regular NRE/NRO savings.
Account / service costCurrent Kotak NRI GSFC lists ₹10,000 AMB for regular NRE/NRO savings and a non-maintenance charge equal to 6% of the shortfall, capped at ₹500 per month; debit-card and international-use charges depend on the issued card.
Repatriation / card / operating limitsDebit-card transaction limits depend on the exact card issued. The regular NRI tariff separately prices international ATM transactions and a 3.5% cross-currency markup for debit-card foreign-currency transactions.
Residency / account-state ruleRegular Kotak NRE account state for foreign-source funds; the bank's account page names a Global Debit Card but does not identify a sufficiently exact current card variant for a verified product-to-product edge.
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.

3 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 / relationship₹10,000 minimum opening amount and ₹10,000 Average Monthly Balance on the reviewed NRE product page; the current NRI GSFC independently lists ₹10,000 AMB for regular NRE/NRO savings.
02 · Account / service costCurrent Kotak NRI GSFC lists ₹10,000 AMB for regular NRE/NRO savings and a non-maintenance charge equal to 6% of the shortfall, capped at ₹500 per month; debit-card and international-use charges depend on the issued card.
03 · Repatriation / card / operating limitsDebit-card transaction limits depend on the exact card issued. The regular NRI tariff separately prices international ATM transactions and a 3.5% cross-currency markup for debit-card foreign-currency transactions.
04 · Residency / account-state ruleRegular Kotak NRE account state for foreign-source funds; the bank's account page names a Global Debit Card but does not identify a sufficiently exact current card variant for a verified product-to-product edge.
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.

Account / service costCurrent Kotak NRI GSFC lists ₹10,000 AMB for regular NRE/NRO savings and a non-maintenance charge equal to 6% of the shortfall, capped at ₹500 per month; debit-card and international-use charges depend on the issued card.
Balance / relationship₹10,000 minimum opening amount and ₹10,000 Average Monthly Balance on the reviewed NRE product page; the current NRI GSFC independently lists ₹10,000 AMB for regular NRE/NRO savings.
NRE / NRO benefitsForeign earnings can be held in INR, principal and interest are fully repatriable, NRE interest is described as exempt from Indian income tax, and the account provides net banking, remittance facilities and an account-level Global Debit Card proposition.
Repatriation / card / operating limitsDebit-card transaction limits depend on the exact card issued. The regular NRI tariff separately prices international ATM transactions and a 3.5% cross-currency markup for debit-card foreign-currency transactions.
NRI / PIO / OCI eligibilityEligible NRIs/PIOs under Kotak's current NRI onboarding and documentation rules; resident close-relative joint holding is permitted on former-or-survivor basis under the reviewed account page.
Residency / account-state ruleRegular Kotak NRE account state for foreign-source funds; the bank's account page names a Global Debit Card but does not identify a sufficiently exact current card variant for a verified product-to-product edge.
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

NRIs who want a conventional Kotak NRE relationship for overseas earnings and are comfortable maintaining a ₹10,000 monthly average balance.

Verify before relying
  • ₹10,000 opening funding and ₹10,000 AMB are separate from card fees and foreign-exchange charges.
  • A generic 'Global Debit Card' mention is not treated as proof of one exact card variant.
  • NRE tax/repatriation treatment depends on continued qualifying non-resident status and applicable law.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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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.

01
Primary product / service sourcewww.kotak.bank.in
Open source ↗02
Additional first-party evidencewww.kotak.com
Open source ↗03
Additional first-party evidencewww.kotak.com
Open source ↗
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.