I am the permanent customer of Kotak Mahindra Bank since the bank was formed and I was fully satisfied with the bank as the services of the bank is very good. Internet banking of the Kotak Mahindra Bank is very good as you transfer your money and check your balance very quickly and the charges of Internet banking is very less as comparison to other private banks. the phone banking of the Kotak Mahindra Bank is also very good and the charges of phone banking is very less. the customer service of the Kotak Mahindra Bank is also very good as they respond on your problem very quickly. the interest rate of Kotak Mahindra Bank on saving account is high and I liked it. I should prefer you to use Kotak Mahindra Bank.