I have never come across such worst service, I was surprised to see hidden charges and my sb zero balance account, my complete savings money just vanished without my notice... When asked customer service they say it is bank policy. Charges for weekly bal alert which I have not opted, annual debit card charges which other banker do not charge and charges for min balance not maintained......... Most important thing is that am not aware of this hidden charges being charged to my account without even single msg alert. These bank people do not even have courtesy to call the customer and educate about the charges. ULTIMATELY THEIR MOTIVE IS MONEY.... I will never recommend or suggest kotak bank to anyone for any kind of banking needs.