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Query Type	Query	Description
Account Information	Statement of Account	You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request. Please note, statement of account is free of charge once in a year and post that Rs.250 + GST will be applicable per request. You can do a NEFT of the charges with the following details:- Beneficary Name: Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received
	Repayment Schedule	You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to place a request. Please note, repayment schedule is free of charge once in a year and post that Rs.250 + GST will be applicable per request. If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days
	Online access to Loans	Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly After logging in Click on the "Installment Loans" Tab and view your loan account
	Interest & Principal Statement	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to place a request If your email id is registered with the bank you will receive the Interest & Principal Statement on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Interest & Principal Statement is 3 working Days
	Outstanding Details	We are keen to retain you & we value your relationship You can view your loan outstanding details instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to get your Loan Outstanding details
Foreclosure Related	Foreclosure Statement-BL Click here to submit your query	We are keen to retain you & we value your relationship There is a Lock-in period which needs to be served by you, so you can place the foreclosure request only post completion of 12 EMI's After submitting your written request/query you would need to serve a notice period, before the Foreclosure Statement is issued to you Turn Around Time (TAT) for issuance of a Foreclosure statement is 10 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
Foreclosure Related	Foreclosure Norms Click here to submit your query	If you are keen to do a foreclosure then please note, that you would need to place a written request or submit a query under Foreclosure Statement-BL Only post completion of 12 EMI's and by serving a notice period a foreclosure statement will be issued to you Turn Around Time (TAT) for issuance of a Foreclosure statement is 10 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement To understand the process for Foreclosure/ Pre Payment , please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Charges/ Fees related	Waiver of Fees/Charges Click here to submit your query	Please note that all charges are as per the General Schedule of Featues & Charges (GSFC) Waivers are discriminatory in nature and are subject to approvals Kindly note that submitting a query does not mean the charges will be reversed Request you to please attach supportings if any, by using the Upload file option before submitting your query Turn Around Time (TAT) for Waiver of Fees/Charges is 5 working Days after all details and supportings if any are completely & correctly submitted To place a request for any Fees/Charges waivers, you can also please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Loan Application Status	Loan Application Status	Please click here to view the Loan Application Status.
Personal information update	Change in KYC details (E-mail id/mobile#/address)	You can now update your KYC details very easily by logging onto our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly Important: It is mandatory that your Aadhar Details are updated in the banks records, inorder to update any KYC changes You would need to login to our Net banking and Post login you would need to click on the ‘Profile’ link to Add / Update your KYC details online Please Note incase you have regenerated your password in the last 7 days, then you can update your KYC details online only after 7 days of the Password being regenerated
Personal information update	CIBIL Related Click here to submit your query	Customers loan account information is sent to CIBIL month on month for update into CIBIL's database by the bank It takes generally 45-60 days to update the record in CIBIL's database Incase of modifications required on your CIBIL records you would need to a copy of your CIBIL report Request you to please attach the supportings , by using the Upload file option before submitting your query Turn Around Time (TAT) for CIBIL Related requests is 15 working Days after all documents are completely and correctly submitted
Repayment related	Swapping of Repayment Mode Click here to submit your query	Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + GST would be applicable to process this request, if approved You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment In case you are swapping to a SI mode the swap charges will not be applicable To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
	Retrieval of Unused PDCs Click here to submit your query	The unused PDC's on your loan will be sent back to you post 30 days after your loan termination Incase you have still not received the same then we request you to kindly submit your query Turn Around Time (TAT) for Retrevial of Unused PDC's is 30 working Days
	EMI Clarifications	You can view/download your Statement of Account free of charge which will give you clear information about your EMI status, instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. You can also get EMI clarifications by calling our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays or you can place a request with them Turn Around Time (TAT) for EMI clearance status is 3 working Days
	NACH/S.I/CTS Chq Submission	You can view/download the S.I Form instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch from monday to friday between 10 a.m to 5 p.m. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted
	Rebanking NACH/S.I./PDC	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for Rebanking your NACH/S.I/PDC Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days
	Swapping of EMI Date	Please Note that a swap of EMI Date is subject to Business approval You would need to pay broken period Interest (if any) & penal charges(if applicable) and resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment. To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
Deliverables Required/Not Received (NOC,Welcome Kit, Copy of Documents)	Issuance of NOC Click here to submit your query	An E-NOC is issued and emailed to your registered email id as per the banks records within 3 working days subject to no other liability with the bank, after your loan termination Incase your email id is not registered with the bank then a Physical NOC will get couriered to your registered mailing address, as per the banks records within 7 working days, subject to no other liability with the bank, after your loan termination You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a NOC Incase 7 working days have passed after your loan termination and you have still not received the NOC or we request you to please submit your query Turn Around Time (TAT) for issuance of NOC is 10 working Days
	Not Recd - Welcome Kit Click here to submit your query	You will receive your welcome kit within a months time after your loan disbursement. You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a duplicate Welcome Kit or we request you to please submit your query Turn Around Time (TAT) for issuance of a duplicate Welcome Kit is 15 working Days
	Copy of Document Click here to submit your query	To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays Please note charges would be applicable of Rs.500 + GST to process this request You can do a NEFT of the charges with the following details:- Beneficary Name:Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 You can also submit a written request/query after you have paid the above applicable charges and request for copy of documents Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
Other	Generic Click here to submit your query	Incase of any other requests please submit a query Turn Around Time (TAT) for processing is 7 working Days Queries / Requests requiring authentication are not be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.
Other	Delay in Processing Click here to submit your query	Incase of any delays in getting any deliverable processed after placing a request you may kindly submit a query Turn Around Time (TAT) for processing is 5 working Days Queries / Requests requiring authentication cannot be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.

Home Loan/Rural Housing Business Loans

Query Type	Query	Description
Account Information	Statement of Account	You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request. Please note, statement of account is free of charge once in a year and post that Rs.250 + GST will be applicable per request You can do a NEFT of the charges with the following details:- Beneficary Name: Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received
	Repayment Schedule	You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days
	Online access to Loans	Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly After logging in Click on the "Installment Loans" Tab and view your loan account
	Tax Certificate	You can view/download your Provisional Tax Certificate for the current year and Final Tax certificate for the previous year free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request If your email id is registered with the bank you will receive the Provisional or Final Tax Certificate as requested, on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Tax Certificate is 3 working Days
	Rate of Interest	You can view your Loan Rate of Interest alongwith History instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and get these details by speaking with our customer care officer
	Outstanding Details	We are keen to retain you & we value your relationship You can view your loan outstanding details instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to get your Loan Outstanding details
Foreclosure Related	Foreclosure Statement - HL Click here to submit your query	We are keen to retain you & we value your relationship There is a Lock-in period which needs to be served by you, so you can place the foreclosure request only post completion of 6 EMI's After submitting your written request/query you would need to serve a notice period, before the Foreclosure Statement is issued to you & our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of a Foreclosure statement is 16 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
	List of Documents Click here to submit your query	We are keen to retain you After submitting your written request/query our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of a List of Document is 8 working Days Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
	Rate Reduction Click here to submit your query	You can walk into your nearest Kotak Retail Asset Branch from monday to friday between 10 a.m to 5 p.m with a request letter signed by all the borrowers and co-borrowers on the loan to process a rate reduction (if eligible) Our service officer will be glad to assist you and if the rate reduction offer (if eligible) is acceptable to you, then they will send you the required rate reduction letter and documentation for being signed by all the borrowers & co-borrowers on the loan After submitting your written request/query our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of rate reduction letter is 10 working Days
	Foreclosure/Part Prepayment Norms Click here to submit your query	If you are keen to do a foreclosure then please note, that you would need to place a written request or submit a query under Foreclosure Statement-HF Only post completion of 6 EMI's and by serving a notice period a foreclosure statement will be issued to you Turn Around Time (TAT) for issuance of a Foreclosure statement is 16 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement To understand the process for Foreclosure/ Pre Payment , please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Charges/ Fees related	Waiver of Fees/Charges Click here to submit your query	Please note that all charges are as per the General Schedule of Featues & Charges (GSFC) Waivers are discriminatory in nature and are subject to approvals Kindly note that submitting a query does not mean the charges will be reversed Request you to please attach supportings if any, by using the Upload file option before submitting your query Turn Around Time (TAT) for Waiver of Fees/Charges is 5 working Days after all details and supportings if any are completely & correctly submitted To place a request for any Fees/Charges waivers, you can also please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Loan Application Status	Loan Application Status	Please click here to view the Loan Application Status.
Personal information update	Change in KYC details (E-mail id/mobile#/address)	You can now update your KYC details very easily by logging onto our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly Important: It is mandatory that your Aadhar Details are updated in the banks records, inorder to update any KYC changes You would need to login to our Net banking and Post login you would need to click on the ‘Profile’ link to Add / Update your KYC details online Please Note incase you have regenerated your password in the last 7 days, then you can update your KYC details online only after 7 days of the Password being regenerated
Personal information update	CIBIL Related Click here to submit your query	Customers loan account information is sent to CIBIL month on month for update into CIBIL's database by the bank It takes generally 45-60 days to update the record in CIBIL's database Incase of modifications required on your CIBIL records you would need to a copy of your CIBIL report Request you to please attach the supportings , by using the Upload file option before submitting your query Turn Around Time (TAT) for CIBIL Related requests is 15 working Days after all documents are completely and correctly submitted
Repayment related	Swapping of Repayment Mode	Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + GST would be applicable to process this request, if approved You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment In case you are swapping to a SI mode the swap charges will not be applicable To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
	Retrieval of Unused PDCs Click here to submit your query	The unused PDC's on your loan will be sent back to you post 30 days after your loan termination Incase you have still not received the same then we request you to kindly submit your query Turn Around Time (TAT) for Retrevial of Unused PDC's is 30 working Days
	EMI Clarifications	You can view/download your Statement of Account free of charge which will give you clear information about your EMI status, instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also get EMI clarifications by calling our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays or you can place a request with them Turn Around Time (TAT) for EMI clearance status is 3 working Days
	NACH/S.I/CTS Chq Submission	You can view/download the S.I Form instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch from monday to friday between 10 a.m to 5 p.m. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted
	Rebanking NACH/S.I./PDC	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for Rebanking your NACH/S.I/PDC Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days
	Swapping of EMI Date	Please Note that a swap of EMI Date is subject to a credit appraisal, post which charges of Rs. 5000/- + broken period interest (if any) & penal charges(if applicable) Or 0.5% of the Loan Amount + broken period interest (if any) + GST whichever is less would be applicable to process this request, if approved You would also need to resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment. To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
Deliverables Required/Not Received (NOC,Welcome Kit, Copy of Documents)	Issuance of NOC Click here to submit your query	The NOC is issued after 15 working days of your loan termination in the banks records, alongwith releasing your property papers Please note that the property papers will only get released, subject to no other liability with the bank You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a NOC incase not received or we request you to please submit your query Turn Around Time (TAT) for issuance of NOC is 15 working Days
	Not Recd - Welcome Kit Click here to submit your query	You will receive your welcome kit within a months time after your loan disbursement. You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a duplicate Welcome Kit or we request you to please submit your query Turn Around Time (TAT) for issuance of a duplicate Welcome Kit is 15 working Days
	Copy of Document Click here to submit your query	To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays Please note charges would be applicable of Rs.500 + GST to process this request You can do a NEFT of the charges with the following details:- Beneficary Name:Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 You can also submit a written request/query after you have paid the above applicable charges and request for copy of documents Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
Other	Generic Click here to submit your query	Incase of any other requests please submit a query Turn Around Time (TAT) for processing is 7 working Days Queries / Requests requiring authentication are not be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.
Other	Delay in Processing Click here to submit your query	Incase of any delays in getting any deliverable processed after placing a request you may kindly submit a query Turn Around Time (TAT) for processing is 5 working Days Queries / Requests requiring authentication cannot be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.

Loan Against Property/Rural Housing Business Loans

Query Type	Query	Description
Account Information	Statement of Account	You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request. Please note, statement of account is free of charge once in a year and post that Rs.250 + GST will be applicable per request You can do a NEFT of the charges with the following details:- Beneficary Name: Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received
	Repayment Schedule	You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days
	Online access to Loans	Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number) and password Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly After logging in Click on the "Installment Loans" Tab and view your loan account
	Interest & Principal Statement	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request If your email id is registered with the bank you will receive the Interest & Principal Statement on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Interest & Principal Statement is 3 working Days
	Rate of Interest	You can view your Loan Rate of Interest alongwith History instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and get these details by speaking with our customer care officer
	Outstanding Details	We are keen to retain you & we value your relationship You can view your loan outstanding details instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to get your Loan Outstanding details
Foreclosure Related	Rate reduction Click here to submit your query	You can walk into your nearest Kotak Retail Asset Branch from monday to friday between 10 a.m to 5 p.m with a request letter signed by all the borrowers and co-borrowers on the loan to process a rate reduction (if eligible) Our service officer will be glad to assist you and if the rate reduction offer (if eligible) is acceptable to you, then they will send you the required rate reduction letter and documentation for being signed by all the borrowers & co-borrowers on the loan After submitting your written request/query our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of rate reduction letter is 10 working Days
	Foreclosure Statement - LAP Click here to submit your query	We are keen to retain you & we value your relationship There is a Lock-in period which needs to be served by you, so you can place the foreclosure request only post completion of 6 EMI's After submitting your written request/query you would need to serve a notice period, before the Foreclosure Statement is issued to you & our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of a Foreclosure statement is 16 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
	List of Documents Click here to submit your query	We are keen to retain you After submitting your written request/query our service officer will get in touch with you to discuss the same Turn Around Time (TAT) for issuance of a List of Document is 8 working Days Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
	Foreclosure/Part Prepayment Norms Click here to submit your query	If you are keen to do a foreclosure then please note, that you would need to place a written request or submit a query under Foreclosure Statement-LAP Only post completion of 6 EMI's and by serving a notice period a foreclosure statement will be issued to you Turn Around Time (TAT) for issuance of a Foreclosure statement is 16 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges (if any),Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement To understand the process for Foreclosure/ Pre Payment , please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Charges/ Fees related	Waiver of Fees/Charges Click here to submit your query	Please note that all charges are as per the General Schedule of Featues & Charges (GSFC) Waivers are discriminatory in nature and are subject to approvals Kindly note that submitting a query does not mean the charges will be reversed Request you to please attach supportings if any, by using the Upload file option before submitting your query Turn Around Time (TAT) for Waiver of Fees/Charges is 5 working Days after all details and supportings if any are completely & correctly submitted To place a request for any Fees/Charges waivers, you can also please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Loan Application Status	Loan Application Status	Please click here to view the Loan Application Status.
Personal information update	Change in KYC details (E-mail id /mobile# /address)	You can now update your KYC details very easily by logging onto our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly Important: It is mandatory that your Aadhar Details are updated in the banks records, inorder to update any KYC changes You would need to login to our Net banking and Post login you would need to click on the ‘Profile’ link to Add / Update your KYC details online Please Note incase you have regenerated your password in the last 7 days, then you can update your KYC details online only after 7 days of the Password being regenerated
Personal information update	CIBIL Related Click here to submit your query	Customers loan account information is sent to CIBIL month on month for update into CIBIL's database by the bank It takes generally 45-60 days to update the record in CIBIL's database Incase of modifications required on your CIBIL records you would need to a copy of your CIBIL report Request you to please attach the supportings , by using the Upload file option before submitting your query Turn Around Time (TAT) for CIBIL Related requests is 15 working Days after all documents are completely and correctly submitted
Repayment related	Swapping of Repayment Mode	Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + GST would be applicable to process this request, if approved You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment In case you are swapping to a SI mode the swap charges will not be applicable To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
	Retrieval of Unused PDCs Click here to submit your query	The unused PDC's on your loan will be sent back to you post 30 days after your loan termination Incase you have still not received the same then we request you to kindly submit your query Turn Around Time (TAT) for Retrevial of Unused PDC's is 30 working Days
	EMI Clarifications	You can view/download your Statement of Account free of charge which will give you clear information about your EMI status, instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. You can also get EMI clarifications by calling our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays or you can place a request with them Turn Around Time (TAT) for EMI clearance status is 3 working Days
	NACH/S.I/CTS Chq Submission	You can view/download the S.I Form instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch from monday to friday between 10 a.m to 5 p.m. You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted
	Rebanking NACH/S.I./PDC	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for Rebanking your NACH/S.I/PDC Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days
	Swapping of EMI Date	Please Note that a swap of EMI Date is subject to a credit appraisal, post which charges of Rs. 5000/- + broken period interest (if any) & penal charges(if applicable) Or 0.5% of the Loan Amount + broken period interest (if any) + GST whichever is less would be applicable to process this request, if approved You would also need to resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment. To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday between 10 a.m to 5 p.m & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
Deliverables Required/Not Received (NOC,Welcome Kit, Copy of Documents)	Issuance of NOC Click here to submit your query	The NOC is issued after 15 working days of your loan termination in the banks records, alongwith releasing your property papers Please note that the property papers will only get released, subject to no other liability with the bank You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a NOC incase not received or we request you to please submit your query Turn Around Time (TAT) for issuance of NOC is 15 working Days
	Not Recd - Welcome Kit Click here to submit your query	You will receive your welcome kit within a months time after your loan disbursement. You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays and place a request for a duplicate Welcome Kit or we request you to please submit your query Turn Around Time (TAT) for issuance of a duplicate Welcome Kit is 15 working Days
	Copy of Document Click here to submit your query	To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays Please note charges would be applicable of Rs.500 + GST to process this request You can do a NEFT of the charges with the following details:- Beneficary Name:Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 You can also submit a written request/query after you have paid the above applicable charges and request for copy of documents Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
Other	Generic Click here to submit your query	Incase of any other requests please submit a query Turn Around Time (TAT) for processing is 7 working Days Queries / Requests requiring authentication cannot be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.
Other	Delay in Processing Click here to submit your query	Incase of any delays in getting any deliverable processed after placing a request you may kindly submit a query Turn Around Time (TAT) for processing is 5 working Days Queries / Requests requiring authentication cannot be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.

Salaried Personal Loan

Query Type	Query	Description
Account Information	Statement of Account	You can view/download your Statement of Account free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to place a request. Please note, Repayment Schedule is free of charge once in a year and post that Rs.200 + GST will be applicable per request. You can do a NEFT of the charges with the following details:- Beneficary Name: Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 Turn Around Time (TAT) for issuance of Statement of Account is 3 working Days after applicable charges are received
	Repayment Schedule	You can view/download your Repayment Schedule free of charge instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays to place a request. Please note, repayment schedule is free of charge once in a year and post that Rs.200 + GST will be applicable per request. If your email id is registered with the bank you will receive the Repayment Schedule on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Repayment Schedule is 2 working Days
	Online access to Loans	Log on to www.kotak.com by entering your Net banking User Id (CRN-Customer Relationship Number/User Id) and password Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly After logging in Click on the "Installment Loans" Tab and view your loan account
	Interest & Principal Statement	You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to place a request. If your email id is registered with the bank you will receive the Interest & Principal Statement on your email id the moment you speak with our customer care officer Incase your email id is not registered you can place the request on the call with our customer care officer Turn Around Time (TAT) for issuance of Interest & Principal Statement is 3 working Days
	Outstanding Details	We are keen to retain you & we value your relationship You can view your loan outstanding details instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays to get your Loan Outstanding details
Foreclosure Related	Foreclosure Statement - PL Click here to submit your query	We are keen to retain you & we value your relationship Kotak Mahindra Bank allows foreclosures or prepayment after completion of lock-in period. Upto 3 years Kotak Mahindra Bank takes foreclosure charges of 4 % plus GST on the foreclosure amount. For the period after 3 years the charges are 2 % plus GST on the foreclosure amount. Lock-in period structure : A) Loan tenure <= 18 months : Lock-in period will be 50% of the total tenure period. B) Loan tenure > 18 months : 12 months Lock-in period. After submitting your written request/query you would need to serve a notice period, before the Foreclosure Statement is issued to you Turn Around Time (TAT) for issuance of a Foreclosure statement is 5 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges,Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement You can also call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays and get these details by speaking with our customer care officer Please also note that the email request received from the borrowers registered email id as per the banks records only, will be processed
Foreclosure Related	Foreclosure Norms Click here to submit your query	If you are keen to do a foreclosure then please note, that you would need to place a written request or submit a query under Foreclosure Statement-PL Kotak Mahindra Bank allows foreclosures or prepayment after completion of lock-in period. Upto 3 years Kotak Mahindra Bank takes foreclosure charges of 4 % plus GST on the foreclosure amount. For the period after 3 years the charges are 2 % plus GST on the foreclosure amount. Lock-in period structure : A) Loan tenure <= 18 months : Lock-in period will be 50% of the total tenure period. B) Loan tenure > 18 months : 12 months Lock-in period. Turn Around Time (TAT) for issuance of a Foreclosure statement is 5 working Days Please note that No Waiver can be offered on the Applicable Foreclosure Charges,Lock-in period & Notice period for issuance of the Foreclosure Statement, as it is all clearly mentioned in the Loan Agreement signed by you, prior to the Loan Disbursement To understand the process for Foreclosure/ Pre Payment , please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays
Charges/ Fees related	Waiver of Fees/Charges Click here to submit your query	Please note that all charges are as per the General Schedule of Featues & Charges (GSFC) Waivers are discriminatory in nature and are subject to approvals Kindly note that submitting a query does not mean the charges will be reversed Request you to please attach supportings if any, by using the Upload file option before submitting your query Turn Around Time (TAT) for Waiver of Fees/Charges is 5 working Days after all details and supportings if any are completely & correctly submitted To place a request for any Fees/Charges waivers, you can also please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 6:00 pm from Mon to Sat excluding holidays
Loan Application Status	Loan Application Status	Please click here to view the Loan Application Status.
Personal information update	Change in KYC details (E-mail id/ mobile#/ address)	You can now update your KYC details very easily by logging onto our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly Important: It is mandatory that your Aadhar Details are updated in the banks records, inorder to update any KYC changes You would need to login to our Net banking and Post login you would need to click on the ‘Profile’ link to Add / Update your KYC details online Please Note incase you have regenerated your password in the last 7 days, then you can update your KYC details online only after 7 days of the Password being regenerated
Personal information update	CIBIL Related Click here to submit your query	Customers loan account information is sent to CIBIL month on month for update into CIBIL's database by the bank It takes generally 45-60 days to update the record in CIBIL's database Incase of modifications required on your CIBIL records you would need to a copy of your CIBIL report Request you to please attach the supportings , by using the Upload file option before submitting your query Turn Around Time (TAT) for CIBIL Related requests is 15 working Days after all documents are completely and correctly submitted
Repayment related	Swapping of Repayment Mode	Please Note that a swap of repayment mode is subject to a credit appraisal, post which charges of Rs.500 + GST would be applicable to process this request, subject to approval You would also need to resubmit revised CTS-Post Dated Cheques and signed NACH / SI mandate as per your applicable SI/NACH mode of payment In case you are swapping to a SI mode the swap charges will not be applicable To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday (9:30am to 5:30pm excluding holidays) & submit your last 3 months Bank statement of old and new bank account, request letter & valid signature Identity self-attested proofs to our service officer Turn Around Time (TAT) for Swapping of EMI Date is 5 working Days after all documents are completely and correctly submitted
	Retrieval of Unused PDCs Click here to submit your query	The unused PDC's on your loan will be sent back to you post 30 days after your loan termination Incase you have still not received the same then we request you to kindly submit your query Turn Around Time (TAT) for Retrevial of Unused PDC's is 30 working Days
	EMI Clarifications	You can view/download your Statement of Account free of charge which will give you clear information about your EMI status, instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. You can also get EMI clarifications by calling our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays or you can place a request with them Turn Around Time (TAT) for EMI clearance status is 3 working Days
	NACH/S.I/CTS Chq Submission	You can view/download the S.I Form instantly by logging on to our Net Banking click here Incase you dont have your password, it is very easy to regenerate your password online by inputting your Customer Relationship Number (CRN) click here Incase you do not have your CRN please send a SMS from your registered mobile number with the bank on "9971056767 or 5676788" and just mention "CRN". Your CRN will be sent to you instantly. If you want to pay through any other bank then you would need to collect the NACH form by visiting the nearest Kotak Retail Asset Branch from monday to friday (9:30am to 5:30pm excluding holidays) You would then need to submit CTS-PDC's (mainly incase of PDC exhausted cases) Or NACH / S.I form duly signed along with the applicable CTS cheques to our service officer Turn Around Time (TAT) for NACH/S.I/CTS Chq Submission is 5 working Days after all documents are completely and correctly submitted
	Rebanking NACH/S.I./PDC	You can call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays and place a request for Rebanking your NACH/S.I/PDC Our customer care officer will confirm to you the EMI amount alongwith any overdue/penal charges outstanding if any Turn Around Time (TAT) for Rebanking NACH/S.I/CTS Chq Submission is 5 working Days
	Swapping of EMI Date	Please Note that a swap of EMI Date is subject to Business approval You would need to pay broken period Interest (if any) & penal charges(if applicable) and resubmit revised CTS-Post Dated Cheques as per your applicable SI/NACH mode of payment. To get the same processed you can walk into your nearest Kotak Retail Asset Branch from Monday to Friday (9:30am to 5:30pm excluding holidays) & submit your last 6 months Bank statement, request letter & valid signature Identity self-attested proofs to our service officer Once approval is received we will be sending the reschedulement proposal, which has to be signed and returned to us Turn Around Time (TAT) for Swapping of EMI Date is 8 working Days after all documents are completely and correctly submitted
Deliverables Required/Not Received (NOC,Welcome Kit, Copy of Documents)	Issuance of NOC Click here to submit your query	An E-NOC is issued and emailed to your registered email id as per the banks records within 3 working days subject to no other liability with the bank, after your loan termination Incase your email id is not registered with the bank then a Physical NOC will get couriered to your registered mailing address, as per the banks records within 7 working days, subject to no other liability with the bank, after your loan termination You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays and place a request for a NOC Incase 7 working days have passed after your loan termination and you have still not received the NOC or we request you to please submit your query Turn Around Time (TAT) for issuance of NOC is 10 working Days
	Not Recd - Welcome Kit Click here to submit your query	You will receive your welcome kit within a months time after your loan disbursement. You can also call our all our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays and place a request for a duplicate Welcome Kit or we request you to please submit your query Turn Around Time (TAT) for issuance of a duplicate Welcome Kit is 15 working Days
	Copy of Document Click here to submit your query	To place a request for copy of documents (Sanction letter,Loan Agreement Copy,Application Form,Copy of Property Papers etc.) please call our Customer Contact Centre on 18602662666 (Local call rates apply) between 9:00 am to 7:00 pm from Mon to Sat excluding holidays Please note charges would be applicable of Rs.500 + GST to process this request You can do a NEFT of the charges with the following details:- Beneficary Name:Customer Name Account Type : Loan Account Account Number : Loan Account Number Branch Name: Kotak Mahindra Bank, Kalina Branch IFSC Code: KKBK0000631 Branch Code: 631 Turn Around Time (TAT) for issuance of Copy of Document is 8 working Days after applicable charges are completely & correctly submitted
Other	Generic Click here to submit your query	Incase of any other requests please submit a query Turn Around Time (TAT) for processing is 7 working Days Queries / Requests requiring authentication are not be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.
Other	Delay in Processing Click here to submit your query	Incase of any delays in getting any deliverable processed after placing a request you may kindly submit a query Turn Around Time (TAT) for processing is 5 working Days Queries / Requests requiring authentication cannot be submitted through this option. You are requested to send such requests through mailbox inside Netbanking. Click here to login now. Select "Take me Directly to - MAIL" when logging into Net Banking.

Working Capital

Query Type	Query	Description
Account Information	Account Details	Request you to contact your Working Capital Relationship Manager to get the Account Details Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
Account Information	Statement of Account	Please contact your Working Capital Relationship Manager who will assist you with this request Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
Foreclosure Related	Foreclosure Statement-WC	We are keen to retain you & we value your relationship Request you to contact your Working Capital Relationship Manager to discuss the same Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
	Retrieval of property docs	To retrieve your property documents, please contact your Working Capital Relationship Manager who will assist you with this request Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
	Rate Reduction	We are keen to retain you & we value your relationship Request you to contact your Working Capital Relationship Manager to discuss the same Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
	List of Documents	We are keen to retain you & we value your relationship Request you to contact your Working Capital Relationship Manager to discuss the same Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
	Foreclosure Terms Norms	We are keen to retain you & we value your relationship Request you to contact your Working Capital Relationship Manager to discuss the same Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
Charges/ Fees related	Waiver of Fees/Charges	Please contact your Working Capital Relationship Manager who will assist you with this request Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
Deliverables (NOC,Welcome Kit, Copy of Documents)	Issuance of NOC	Please contact your Working Capital Relationship Manager who will assist you with this request Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly
Deliverables (NOC,Welcome Kit, Copy of Documents)	Copy of Document	Please contact your Working Capital Relationship Manager who will assist you with this request Incase you don't have your Working Capital Relationship Manager's contact details, then request you to contact your Retail Liability Home Branch - Relationship Manager who will guide you accordingly

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