| Channels | Kotak Bank App, Kotak Net Banking and branch for NEFT/RTGS; IMPS through digital banking. One-time transfers without beneficiary use their own combined limit. | AU 0101 App and NetBanking for IMPS/NEFT/RTGS; branch for NEFT/RTGS; AU states IMPS is not available at branches. Corporate limits are modeled separately from this retail profile. |
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| Authentication | Authenticated Net/Mobile banking and the account's signing/transaction authority apply. Kotak's one-time transfer flow uses channel authentication, while saved-beneficiary transfers remain subject to beneficiary activation and CRN limits. | Authenticated AU 0101 transaction flow plus payee management/security controls. The new-payee restriction applies after successful payee addition. |
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| NEFT | Digital NEFT is available 24x7 except Kotak's published 11:30 PM–12:30 AM no-initiation window. Existing/customer-set limits apply through 9:30 PM; up to ₹10 lakh is shown for 9:30–11:30 PM, and the bank publishes a maximum permissible ₹50 lakh per transaction from 12:30–7:30 AM, still subject to the overall daily limit. | Retail AU 0101 minimum ₹1, maximum ₹10 lakh. Online transfer generally 24x7, with AU's published 11:45 PM–12:30 AM daily NEFT/RTGS unavailability window. |
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| RTGS | Minimum ₹2 lakh. Kotak lists RTGS 24x7 except 11:30 PM–12:30 AM and a maximum permissible ₹5 crore per transaction between 12:30–7:30 AM; the customer/CRN daily limit can be lower. | Retail AU 0101 minimum ₹2 lakh, maximum ₹10 lakh. Online generally 24x7 except the 11:45 PM–12:30 AM window; branch availability follows branch service hours. |
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| IMPS | Instant 24x7 through Net/Mobile. Current default CRN limits apply across IMPS with the customer's overall controls; Kotak's separate beneficiary article states up to ₹5 lakh daily IMPS after its stated first-day beneficiary restriction, so this is kept as source-scoped rather than used to overwrite the newer segment table. | Retail AU 0101 minimum ₹1, maximum ₹10 lakh in AU's current digital limit table. IMPS remains available during the bank's nightly NEFT/RTGS gap and is not offered at branch. |
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| Beneficiary controls | Main current limit page: add up to 10 beneficiaries/day for Privy/Wealth/Solitaire/Non-Resident or 5/day for Regular/811; newly added beneficiary caps are ₹3 lakh, ₹50,000 and ₹25,000 by segment, after a 30-minute no-transfer cooling period. | New payee: transfers restricted to ₹50,000 for the first 3 hours post-addition, then default limits apply. One-time transfer without a saved payee has a separate ₹50,000 limit. |
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| Security cooling | A separate current Kotak help article says the limit is ₹25,000 for the first 24 hours after a beneficiary is added or edited. Because this conflicts with the segment-based 30-minute/cap table, both are retained and the live channel screen should control at transfer time. | The three-hour new-payee state is a reduced-limit period rather than a complete transfer blackout. Corporate and retail payee controls should not be mixed. |
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| Charges | Account/channel specific. Reviewed Kotak savings schedule: Net/Mobile NEFT/RTGS nil; branch NEFT ₹2/₹4/₹14/₹24 by amount slab and branch RTGS ₹20/₹40 by slab. IMPS pricing can differ by account proposition, so no universal charge is inferred. | AU 0101 NetBanking: no service charges for IMPS/NEFT/RTGS. AU 0101 App FAQ explicitly says no service charges for NEFT/RTGS. Branch/account fee schedules can differ and remain separately scoped. |
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| Failure / reversal | Kotak exposes transaction status, service-request and dispute/support routes. For NEFT credit timing, the bank notes beneficiary-bank processing can affect receipt; pending transfers should be checked before retrying. | AU says if a beneficiary bank cannot credit NEFT/RTGS, it returns the money to AU within two hours; AU credits the account when the returned amount is received. Use transaction status/support for IMPS exceptions. |
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