Do not trust this bank. They take all your money. Their services charges are too high and invisible. It is not useful to keep your money in this fraud bank. They will take all your money and show negative balance. After that, they will show you big mathematical formulas. in conclusion, you will loose your money. Close your bank accounts in Kotak and save your money. Their customer care is not helpful, Call rates are even high. You will have no option other than loosing money.