I have salary account with Kotak along with dmat and investment account, after making many attempts they did not changed my mailing address, phone no etc. Details of some other person may be getting my account related information, this is what the security provided by kotak. Their customer service is worst I feel SBI is better than them, net banking listed many features but many out of them are not working. When I called to customer care they put me on long hold says "because of security reasons" we have disabled...
I can give many such instances not only experienced by me but also by co-workers. So I strongly suggest keep your self away from Kotak.