It gives you an above average online banking experience. And Kotak bank is widely popular in India. The site UI experience is quite good. They also provide you with Kotak 811 android app.
According to my experience with Kotak Bank app, You can create your zero balance account just by sitting at home using your aadhar card. And within one day your account would be created. However, your account will be limited means you can only deposit up to 20, 000 rupees not more than that. To deposit more than 20, 000 you need to do full KYC process for that you need to go to the branch and they will do certain biometric aadhar authentication using your fingerprint after that they will provide a check, debit card etc. Then you can be able use fully your Kotak bank account.
And they don’t have any extra transfer rates and is very quick. You can also shop and book tickets using there Android Kotak app. And I confidentially say that your money with this bank is safe.
Overall experience above average. And this bank is reliable.