NRI Banking

Welcome to NRI Banking

Simplified solutions for all your NRI Banking needs under one roof




Kotak Mahindra Group is one of India's leading financial conglomerates, offering complete financial solutions which include Commercial Banking, Stock Broking, Mutual Funds, Life Insurance & Investment Banking. The group caters to the financial needs of individuals as well as corporates.

The Group has a net worth of over Rs.28,900crores& employs close to 40,700 people in its various businesses and has a strong distribution network of branches, franchisees, representative offices & satellite offices in India, New York, London, Dubai, Abu Dhabi, Mauritius and Singapore. (Data as on 31st March, 2015)


Kotak Mahindra Bank provides you various types of Savings / Current – NRE and NRO Accounts to manage liquidity or Term Deposits in the form of NRE, NRO and FCNR to earn attractive returns. You may opt for structured deposit plans like our Rupee Advantage Plan or the High Yield Currency Plan deposits which are fully repatriable as per the prevailing Income Tax provisions.

The Kotak Mahindra Bank's NRE & NRO Savings Account comes to you with the following power packed features:

  • Low Average Quarterly Balance requirement of Rs. 10,000 only on your Savings Accounts. No balance requirements on your Portfolio Investment Accounts.

  • Free* Remittances into India by Cheque or Wire Transfer or - our Secure, Fast and Economical online remittance solution.

  • Specialised products:

    1. Max Yield Deposits: NRIs based in specific countries which have entered into bilateral DTAA (Double Taxation Avoidance Agreement) can avail the benefit of avoiding double tax being levied at the source Country and Country of residence. You have the choice of selecting the tax rate, either under the domestic tax laws or the applicable DTAA provisions whichever is more beneficial.
    2. Rupee Advantage Plan: Earn higher returns on your FCNR deposits through our Rupee Advantage plan available exclusively with Kotak Mahindra Bank.

  • Overdraft Facility against your NRE/NRO fixed deposits governed by FEMA/RBI.

  • Ease of account opening from abroad: Use our enhanced online account opening system to open a new account or multiple accounts instantly even when you are not in India. Get immediate updates on your application through the Status Tracker. Check our website: for this facility now!

  • ActivMoney: ActivMoney provides you dual opportunity to earn higher interest and manage cash flows at the same time. When you avail ActivMoney, the balances lying in your account (beyond threshold limits) is transferred into a Term Deposit - earning you higher returns. What's more, this amount is always available to you without any penalty on pre-mature encashment.

  • Net Banking: Take your bank to your living room or your office or just about any place you choose. Kotak Net Banking allows you easy access to your account any time, from any place, at absolutely no cost. Now you can transfer money to over 1,20,000 bank branches in India via Internet Banking using NEFT. You get a single window view access of Bank, Investment and Demat Accounts.

  • Kotak Gold netc@rd for secure online shopping and payments.

  • Phone Banking: Our Phone Banking officers are available on call 24 hours a day, 7 days a week for you.

  • Home Banking: Enjoy banking services from the comfort of your home in India.

  • Click2Call: Receive a call from our NRI Relationship Managers within 30 minutes of visiting our website.

  • Global Access through your NRE Savings Accounts: With our Visa Electron Global Debit Card, you can access your bank account anytime, anywhere on all Visa ATMs. You can also shop at merchant locations both in India and abroad.

  • Access India Debit Card on your NRO Savings Accounts for easy access to your funds when you visit India.

  • Mandate Facility: Appoint a family member or a trusted friend to manage your account in India.

  • Free quarterly statements: Physical or e-mail.


  • Click2Remit: You can benefit from our easy-to-use proprietary money transfer service Click2Remit is a secure, fast and economical online remittance solution. Click2Remit supports multiple transfer modes to more than 1,20,000 bank branches across India at the most competitive exchange rates.

  • Wire Transfer: Wire Transfer facility is a safe and reliable international wire transfer mechanism that enables you to remit funds to your family back home within no time at all. You can transfer money to your account as well as to accounts of your loved ones with Kotak Mahindra Bank.

  • Transfer through overseas exchange companies: You can choose to avail of another convenient method of remittance from exchange companies situated in permitted geographies. Simply visit any of the exchange houses in these geographies and remit money directly to the beneficiary.

  • Foreign Currency Cheque: Simply deposit a demand draft or Chequefavouring your Kotak Mahindra Bank Account in any of our branches and we will collect the funds from your overseas bank and credit it to your account.

  • *Foreign Currency Conversion Charge is applicable.


    Platina NRE/NRO account is a premium banking account that makes your banking more convenient and rewarding. Key benefits:

    • Dedicated Relationship Manager to help manage your bank accounts and investments

    • Global Visa Platinum Debit Card on your NRE account

    • 25% discount on locker rental

    • Low cost banking services

    • Risk Profiling and Investment Services


    Privy League is an exclusive offering for our select NRI clientele who expect more out of their banking experience. Privy League assures you of customized financial planning solutions and dedicated relationship management. Enjoy a host of banking and lifestyle privileges available at a Relationship Value of Rs.15 lacs (Magna) and Rs.30 lacs (Optima) and an Average Quarterly Balance of Rs.1,00,000 in your account.

    • Dedicated Service Manager along with Relationship Manager

    • Banking and Lifestyle Privileges like

      • Tax consultation in India through certified CA

      • Complimentary Travel Insurance

      • Complimentary Health Benefits card

    • Privy League Visa Signature/Platinum Debit cards

    • Risk Profiling and Investment Services

    • Low cost banking services


Mutual Fund Services

You can now transact online* using the MF-on-Net/Call/Single Form facility which makes investing all the more convenient. The Mutual Fund schemes on offer cover all asset classes from liquid to debt to equity and more and are drawn from amongst the best performing schemes in the respective asset class. Our unique Investment Account gives you a consolidated online view of your portfolio complete with updated NAVs and annualized returns.


Choose from a range of Life Insurance plans to suit your insurance requirements.


Avail home finance at attractive rates for your dream home in India.


What differentiates us is our belief that every individual is unique, and so are his/her financial needs and aspirations. To identify and analyse your specific financial requirements, we provide you a dedicated expert. This expert is your single point contact in the Bank, who helps you manage your portfolio.

We look forward to hear from you and help you manage your investments.

24-hour Customer Contact Centre

1800-102-6022 OR call our local numbers.

International callers can call on +91 22 6600 6022 (ISD rates apply) or the

24 hour country specific toll free numbers (USA - 1855 365 6767,

AUSTRALIA - 001180044990000, HONG KONG - 00180044990000,

U. K. - 0080044990000, CANADA - 18557684020, SINGAPORE - 8001013054)