| 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. | YES ONLINE Internet Banking, supported YES BANK mobile channels and branch. The exact current amount framework here is anchored to the YES ONLINE FAQ. |
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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 YES ONLINE/Mobile Banking transaction controls and the customer's configured daily transaction limit apply. Beneficiary details and transaction references should be checked carefully before submission. |
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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. | Available 24x7x365 and settles in RBI batches. YES ONLINE states no minimum and no per-transaction maximum in the bank FAQ; transfer amount remains subject to the lower customer-set or bank-enforced daily transaction limit. |
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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. | Real-time 24x7x365 with ₹2 lakh minimum. The applicable customer/bank daily transaction limit and account/channel controls still constrain the usable amount. |
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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. | Real-time 24x7x365; no minimum in the YES ONLINE FAQ and maximum ₹2 lakh per transaction, up to the lower customer-set or bank-enforced daily limit. |
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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. | YES ONLINE supports beneficiary/payee transfers, but the reviewed current first-party material does not establish one universal new-beneficiary cooling duration across all retail channels, so none is inferred. |
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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. | Customer-set versus bank-enforced daily limits are modeled explicitly. No unsupported beneficiary wait or first-day cap is added merely because other banks use one. |
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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. | Account/channel dependent. General savings schedule: branch RTGS ₹20/₹40 by slab, branch NEFT ₹2/₹4/₹12/₹20 by slab and IMPS ₹5 up to ₹1 lakh / ₹15 above ₹1 lakh up to ₹5 lakh. YES FIRST's current schedule shows these payment services free, demonstrating programme-specific waivers. |
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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. | Keep the transaction reference and use YES BANK status/support channels when beneficiary credit is delayed. The bank FAQ notes credit time varies by transfer mode; a pending status should not be treated as permission to resend immediately. |
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