By continuing, you agree to LoansJagat's Credit Report Terms of Use, Terms and Conditions, Privacy Policy, and authorize contact via Call, SMS, Email, or WhatsApp
Disclaimer: The information published on LoansJagat is intended for general informational and educational purposes only and should not be considered financial, legal, or investment advice. Interest rates, loan terms, statistics, and other data may change over time and may vary by lender or source. Please verify the latest information and consult a qualified financial advisor or the respective Bank/NBFC before making any financial decisions.
Subscribe Now
About the author
LoansJagat Team
Contributor‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
Related Blog Post
Simplify All Your Loans Into One Affordable EMI
Customers Served
Debt Consolidated
1200+ Reviews
Locations in India
Club all Loans & Credit Card Bills into Single EMI
Quick Apply Loan
Consolidate your debts into one easy EMI.
Takes less than 2 minutes. No paperwork.
10 Lakhs+
Trusted Customers
2000 Cr+
Loans Disbursed
4.7/5
Google Reviews
20+
Banks & NBFCs Offers
Other services mentioned in this article
He Almost Lost Everything Over a Phone Call
It was just another lazy afternoon when Raj’s grandfather received a call that seemed too good to be true.
“Sir, your pre-approved loan of ₹50,00,000 is ready for credit. Just confirm the OTP you’ve received.”
The voice on the other end sounded professional. But something didn’t feel right. Why would someone offer a loan before an application?
Just as he was about to read the OTP, a thought struck him: “Why would a real bank ask for this over a call?”
And thankfully, that hesitation saved him.
Without wasting a second, Raj’s grandfather hung up the call and immediately dialled Kotak Mahindra Bank’s customer care. The executive on the line responded with urgency and advised a direct visit to the nearest branch for added security.
Raj accompanied his grandfather to the local Kotak branch, where:
The situation could have been far worse, but quick thinking and the right support from Kotak’s team helped prevent any loss.
Scams don’t come with warnings. But knowing how to respond can make all the difference.
This blog will guide you through everything you need to know about Kotak Mahindra Bank's customer care services, escalation paths, and safety protocols to protect your finances.
Kotak Mahindra Bank is one of India's oldest and best-known public-sector banks, servicing millions of customers both domestically and internationally. With such a large client base, timely resolution of enquiries and complaints is essential. PNB has established a dependable and responsive General client Support system to provide rapid resolution of issues and ongoing client satisfaction.
PNB's helpline services address a wide range of banking needs, including basic account information, ATM-related issues, and digital banking support.
Kotak Mahindra Bank offers dedicated toll-free numbers to ensure that customers can access help anytime and from anywhere in India:
This number can be dialled from any mobile phone or landline across India without incurring any charges. Whether it’s a weekday or a public holiday, these lines are open 24x7, ensuring uninterrupted support.
The general customer support numbers are meant to address an extensive number of customer issues and services. Here are some frequent scenarios in which you might need to reach out:
Kotak Mahindra Bank provides multiple channels for credit card-related services:
For assistance, you can contact Kotak Mahindra Bank's customer care at:
If you lose your card, you should immediately register a complaint with the bank to get it blocked. There are several options for this, including mobile banking, net banking, and SMS. We've described how to ask the bank directly to block your card below.
Replacement Card: Once the loss is reported, an automated replacement card will be issued. A replacement price of ₹100 + applicable GST will apply.
Immediate Actions:
Hotlisting (Blocking) Process:
Note - Avoid sharing sensitive details publicly or with anyone.
Kotak Mahindra is committed to resolving customer complaints quickly and fairly. To ensure that every complaint is addressed, Kotak Mahindra has a structured, multi-level grievance redressal procedure that adheres to Reserve Bank of India (RBI) norms.
Level 1: Customer Care
Customers should first contact Kotak Mahindra's 24x7 Customer Care for any banking-related concerns, including account transactions, ATM malfunctions, loan servicing, or digital banking problems.
Level 2: Nodal Officer (If not resolved at Level 1)
If you have a problem with the response or your issue has not been managed within the stipulated time frame, you may escalate the matter to the Kotak Mahindra Nodal Officer in your region. Nodal officers' contact information, including names, emails, and phone numbers, may be found on the "Customer Care" section of Kotak Mahindra's official website.
Level 3: Banking Ombudsman (Final Escalation)
If you do not receive a resolution within 30 days of filing your complaint, you have the right to contact the Banking Ombudsman, a quasi-judicial entity established by the Reserve Bank of India. This is a customer's final escalation option, assuring a neutral, legally binding conclusion to unresolved complaints.
Complaints can be lodged online using the RBI's Complaint Management System (CMS), which simplifies the submission and tracking procedure. This level is the regulatory safety net that ensures transparency, fairness, and accountability in banking services (https://cms.rbi.org.in).
Response Timelines (as per RBI guidelines)
Kotak Mahindra encourages customers to follow the escalation matrix to ensure fair and timely resolution.
Answer: Yes! To receive real-time information, activate WhatsApp Banking (+91 8591 859185) and send a message with the subject "Loan Status".
What happens if I miss an EMI payment on my Kotak home loan?
Answer: A late payment fee (up to 2% per month) is levied, which may affect your credit score. Call 1860 266 2666 to discuss restructuring.
How can I report a fraudulent transaction without calling customer service?
To dispute a transaction, use Kotak's Net Banking/App and select "Dispute Transaction" or SMS "FRAUD XXXX" (last four numbers of the card) to 5676788.
Other Related Pages | |||
