I am banking with kotak bank from last 1 year
I am happy with all the service they have offered to me.
The best thing about the kotak is now a day all most all the bank are charging for the ATM withdrawal but at the same time there is no chare in kotak if you withdraw amout from kotak atm.
If you have any problem you can just do one
tweet they will reach you within a minute what I have observed till now.