Banking Policies

Customer Rights Policy
Policy on General Management of Branches
Corporate Policy Manual on Ethical Conduct, Avoidance of Conflict of Interest And Protection of Confidential And Proprietary Information
Policy for Grievance Redressal
Policy on Collection of Dues and Repossession of Security
Policy for Cheque Collection
Customer Compensation Policy
Deposit Policy
MSE policy
Position of MSME Loans disposed in Q1 FY 2022-23
Position of MSME Loans disposed in Q4 FY 2021-22
Abridge version of Bank’s Board Approved Policy on Co-Lending Model
Credit Card Board Policy
Position of MSME Loans disposed in Q2 FY 2022-23
Code of conduct for direct selling agents

Timelines for processing applications under MSME

All the applications received from MSME customers sourced by Kotak Mahindra Bank Limited (KMBL) through its various channels will be handled as per the timelines hereunder:

S No




Scrutiny of MSME Application for eligibility to avail loan

Within 3 Working days


Documenting Application and Primary Loan Appraisal Documents

Within 7 working days


Credit approval process depending upon the amount involved

Within 3 weeks


Decision to be conveyed to the customer along with the terms of credit

Within 4 days of credit decision


Disbursal of loan amount

Within 4 working days of completion of entire loan document execution


Kotak Bank is committed to provide necessary support to the MSME sector and timeline mentioned above are only outer timelines and efforts would be made to deliver best closure timelines on individual case to case basis.


Please Note:

  • Nomination facility is available on all deposit accounts, articles in safe custody and safe deposit vaults.
  • Bank exchanges soiled notes and mutilated notes.
  • Bank accepts / exchange coins of all denominations.
  • If a banknote tendered at the branch is found to be counterfeit, bank will issue an acknowledgement to the tenderer after stamping the note.
  • We accept direct tax collection.
  • We open 'No frills' accounts.
  • The Bank will consider the clear balance available in your account at the beginning of the day to process cheques in Inward Clearing.