| 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. | FedNet Internet Banking and FedMobile; branch/corporate service contexts can have different charge and limit treatment. |
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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. | FedNet requires 2FA for transactions of any amount. Current FAQ lists mobile-based OTP/FedSecure, SMS OTP and a hardware-token option for corporates; the selected form factor also affects new-beneficiary activation. |
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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. | FedNet documents NEFT up to ₹10 lakh as available 24x7 subject to the client's set transaction limit. Enhanced limits beyond ₹10 lakh are available Monday–Friday and eligible Saturdays from 8:45 AM–6:30 PM. |
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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. | RTGS uses the applicable ₹2 lakh system minimum. FedNet documents transfers up to ₹10 lakh 24x7 subject to the client-set limit, with enhanced limits beyond ₹10 lakh during the published working-day window. |
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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. | IMPS is an instant digital rail; the reviewed Federal sources do not provide one clean universal Federal customer maximum, so v1.39 preserves the customer/channel limit model rather than inventing a daily cap. |
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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. | Newly added FedNet beneficiaries are activated instantly for most 2FA arrangements, but customers who selected SMS OTP as 2FA have a 24-hour beneficiary activation wait. |
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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. | Beneficiary cooling is authentication-form-factor dependent, not a universal Federal number. FedNet also allows customer transaction limits to be changed through its limit-management service. |
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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. | Current 1 June 2025 schedule: FedNet/FedMobile interbank NEFT/RTGS free; IMPS ₹2.50 up to ₹1,000, ₹5 above ₹1,000–₹25,000, ₹7 above ₹25,000–₹1 lakh and ₹15 above ₹1 lakh. Other transaction contexts can have their own tariffs. |
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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. | FedNet lets customers track Pending Payments and Payments Made. Its RTGS FAQ states that where the beneficiary bank cannot credit the account, the beneficiary bank returns the funds to the remitting bank within two hours. |
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