Merchant One Current Account
Holistic solutions specially designed for merchants and retailers

Holistic solutions specially designed for merchants and retailers
Average Quarterly Balance
of Rs. 50,000/-
Daily purchase limit of Rs. 1.75 lacs
and daily ATM cash withdrawal
limit of Rs. 50,000
Current account balance converts
to Term Deposits, to help earn
attractive returns on idle balances
Unsecured overdraft facility
up to Rs. 15 lacs for short term
business requirements2
Free demand drafts payable
at Kotak Bank branches
(up to 50 per month)
1 Free for up to five times the previous month's average credit balance or Rs 500,000, whichever is higher.
Kotak Credit Access - Unsecured overdraft facility up to Rs. 15 lac for business emergencies
2Conditions apply. Available at select locations only. Credit is at the sole discretion of Kotak Mahindra Bank Ltd., and is subject to guidelines issued by the RBI periodically. The bank may engage the services of marketing agents for sourcing loan assets.
3 Services will be offered at the bank's discretion.
All the features and benefits are subject to terms, conditions, and exclusions. Please refer to the 'General Schedule of Features and Charges'.
4Refer the General Schedule of Features & Charges (GSFC) to know Home Banking charges applicable as per your account type.
Offered through third-party tie-ups.
Salary account - Corporate salary account for start-up employees with a minimum criteria of five employees and average salary of Rs 25,000.
Every business needs a set of services that form its backbone. Avail these services at special rates negotiated for Kotak Bank only:
The list below is indicative, and based on the availability of the concerned service providers:
For more details click here
The above services are provided by third-party service providers and not by Kotak Mahindra Bank, and the Bank does not endorse / guarantee / offer warranty on any of these third-party services and does not provide any service commitment with respect to any of the offers / services made by these third-party service providers. The Bank is just providing information by mentioning these services, purely for the convenience of its customers, and the Bank is a mere facilitator of these services provided, and shall not bear any liability or obligation if the customers avail these services from these third-party service providers. The Bank does not earn any commission or fee upon its customers viewing or availing of these services from the third-party service providers. If any customer chooses to avail of any of the services, the Bank shall not be a party to, or be concerned with any of the services, or be responsible for any act of omission / negligence/ deficiency of services or unacceptable service levels on the part of the third-party service providers. It is understood that by availing of any of these services, the customer so availing, deals with the third-party service providers directly. The customer is free to avail such services from any other service provider.
Clicking on ‘Proceed’ will redirect you to a third party website.
Want to start a business but no capital. There are a lot of ways to generate capital.
Select your preferred method.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
At your request, you are being re-directed to a third party site - https://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment from a different bank account. Kotak Cards does not guarantee or warrant the accuracy or completeness of the information, materials, services or the reliability of any service, advice, opinion statement or other information displayed or distributed on the third party site. You shall access this site solely for purposes of payment of your bills and you understand and acknowledge that availing of any services offered on the site or any reliance on any opinion, advice, statement, memorandum, or information available on the site shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services offered by BilIDesk whose site you are about to access. Neither Kotak Cards nor any of its affiliates nor their directors, officers and employees will be liable to or have any responsibility of any kind for any loss that you incur in the event of any deficiency in the services of BiIIDesk to whom the site belongs, failure or disruption of the site of BilIDesk, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials.
Note: Available in select banks only. Kotak Cards reserves the right to add/delete banks without prior notice. © Kotak Mahindra Bank. All rights reserved
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
Please note by login in to the above link and clicking on the “Submit” button, you provide your consent and acceptance to,
At your request, you are being re-directed to a third party site - http://www.billdesk.com/pgmerc/kotakcard/ wherein you can make your payment from a different bank account. Kotak Cards does not guarantee or warrant the accuracy or completeness of the information, materials, services or the reliability of any service, advice, opinion statement or other information displayed or distributed on the third party site. You shall access this site solely for purposes of payment of your bills and you understand and acknowledge that availing of any services offered on the site or any reliance on any opinion, advice, statement, memorandum, or information available on the site shall be at your sole risk. Kotak Cards and its affiliates, subsidiaries, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services offered by BilIDesk whose site you are about to access. Neither Kotak Cards nor any of its affiliates nor their directors, officers and employees will be liable to or have any responsibility of any kind for any loss that you incur in the event of any deficiency in the services of BiIIDesk to whom the site belongs, failure or disruption of the site of BilIDesk, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials.
Note: Available in select banks only. Kotak Cards reserves the right to add/delete banks without prior notice. © Kotak Mahindra Bank. All rights reserved