Kotak Mahindra Bank Customer Care Number India: Expert, Up-to-Date Guide

Primary Customer Care Numbers (India)

Kotak Mahindra Bank’s primary phone banking helpline for customers in India is 1860 266 2666. This is a nationwide “1860” number, which is reachable from most Indian mobile and landline networks. 1860 lines are not toll-free; standard local call charges apply as per your telecom plan. This line typically operates 24×7 for card hotlisting and basic self-service via IVR, while some product-specific services are handled during business hours.

For Kotak 811 (the bank’s digital savings account) and app-related assistance, Kotak provides a dedicated line: 1860 266 0811. If you use Kotak 811 for account opening, payments, or UPI, this number routes you to the relevant team and IVR options more quickly. As with other 1860 numbers, it is intended for calls made within India.

• General Customer Care (India): 1860 266 2666 (24×7 IVR; agent support commonly available 9:00–19:00 IST for many services)
• Kotak 811 Support (India): 1860 266 0811 (digital/account opening/UPI/app issues)

When to Use Which Number, and What to Keep Handy

Use 1860 266 2666 for most day-to-day banking needs: saving/current account queries, debit/credit card issues, loan servicing, net banking, UPI/IMPS/NEFT queries, account statement requests, cheque status, and general service support. The IVR presents product-wise menus; follow the prompts or say “agent” to reach a representative when available. For fastest routing, call from your registered mobile number.

Use 1860 266 0811 if your query relates specifically to Kotak 811—digital onboarding, KYC completion, account activation, app login, biometric/video KYC scheduling, or 811-linked debit card. You’ll typically be asked to confirm your Customer Relationship Number (CRN) or last four digits of your account/card and to complete OTP verification. Keep a photo ID and the last known transaction amount/date in case additional verification is needed.

Best-practice tip: peak volumes are usually 11:00–15:00 IST on weekdays. If your matter isn’t urgent, try calling 08:00–10:00 or after 18:00 IST for potentially shorter queues. Always avoid sharing full card numbers or PINs; legitimate agents will never ask for your PIN, full OTP, or CVV.

Emergency Card Hotlisting and Security

For lost or stolen debit/credit cards, call 1860 266 2666 immediately and choose the card hotlisting option in the IVR to block the card 24×7. Blocking promptly limits liability on unauthorized transactions. You can also hotlist from Kotak Mobile Banking (Cards section) or Net Banking (Service Requests) if you have access to the app or internet.

If you suspect UPI or net banking fraud, disconnect from the caller, block channels via the app or net banking, then contact customer care without delay. For UPI disputes across banks, the NPCI BHIM helpline 1800 120 1740 is available; still, you should lodge the complaint with Kotak first so they can raise the dispute formally. Document the time of the incident, the amount, and the payee VPA/UPI ID for investigation.

Replacements for blocked cards generally attract a reissue fee as per the bank’s schedule of charges, and delivery timelines can range from 3–7 working days depending on location. Ask the agent to confirm the fee, dispatch mode, and tracking details when you request a replacement.

NRI and Calling From Outside India

1860 numbers are intended for calls placed within India and may not work from overseas or via international roaming. If you are abroad, use the country-specific NRI helpline numbers listed on Kotak’s official site, or dial the international contact listed in the NRI Banking section. These details are maintained at: https://www.kotak.com/en/nri-banking/contact-us.html.

If you are traveling and need urgent help (e.g., card hotlisting), the fastest option is often to use Kotak Net Banking or the Mobile Banking app to block the card, then follow up through the NRI contact page. Keep your registered email address accessible so you can receive confirmation and respond to any KYC queries quickly.

Note: International calls are charged by your carrier. If you cannot connect by phone, use the secure message option in Net Banking or the in-app support chat to open a service request and ask for a callback to your international number.

Other Official Channels and Addresses

Email support channels are available for written requests and attachments. For general banking, you can write to [email protected]. For credit card-specific queries and disputes, use [email protected]. Always send emails from your registered email ID, include your CRN (do not include full card numbers), and mask sensitive details as advised by the bank.

Kotak’s official website for contact and service requests is https://www.kotak.com, with the Contact Us and Help Center pages hosting the latest phone numbers, chat options, and branch locators. For in-person assistance, visit any branch; to find the nearest location and working hours, use the Branch/ATM locator on the website or in the app.

Registered/Corporate Office: Kotak Mahindra Bank Limited, 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051, Maharashtra, India. This address is for official correspondence; customer service is best handled through the helplines, app, or your home branch.

Escalations and Complaint Resolution Timelines

If you are not satisfied with the first response from customer care, escalate through the bank’s grievance redressal mechanism. Level 1 is typically the Phone Banking/Branch team. If unresolved, escalate to the regional/segment Grievance Redressal Officer as listed on Kotak’s Grievance Redressal page (accessible from the Help Center). Keep your Service Request (SR) number handy when escalating.

As per RBI guidelines under the Reserve Bank – Integrated Ombudsman Scheme, banks should resolve complaints within 30 days. Kotak generally aims to close most issues much faster (often within 7–10 working days), but complex disputes (e.g., chargebacks, fraud investigations) can take longer due to interbank processes. If you do not receive a satisfactory resolution within 30 days, you may lodge a complaint with the RBI through the Complaint Management System (CMS) at https://cms.rbi.org.in.

When escalating, provide a clear summary: dates, transaction reference numbers (UTR for NEFT/IMPS/RTGS, last 4 digits of the card, amounts), screenshots or statements, and prior SR numbers. Concise, complete information accelerates resolution and reduces back-and-forth.

Practical Tips to Reach the Right Help Faster

Prepare identification and context before you call. From your registered mobile number, have your CRN, last transaction details, and the relevant product (account type or card type) at hand. If you use the IVR self-service, note that many routine requests—balance, mini statement, card PIN generation, cheque book request—can be completed without waiting for an agent.

Use digital channels when suitable. The Kotak Mobile Banking app and Net Banking often process service requests instantly and provide a reference number you can quote if follow-up is needed by phone. For dispute tracking, these channels show real-time status updates without waiting in a phone queue.

• Call from your registered mobile and keep OTP-ready for faster verification.
• For non-urgent requests, use the app/Net Banking service requests to avoid call queues.
• Avoid peak hours (late mornings/early afternoons on weekdays) for quicker agent access.
• Mask sensitive data in emails; never share full card/PIN/OTP/CVV with anyone.
• For marketing/DND preferences, use your telecom operator’s 1909 (per TRAI) to set or modify DND, and adjust Kotak marketing preferences via the app or website.

Important Notes and Verification

Phone numbers can change or have region-specific routing. Always verify the latest Kotak Mahindra Bank customer care numbers and service hours on the official site’s Contact Us/Help Center: https://www.kotak.com/en/help-center/contact-us.html. 1860 numbers are not toll-free; standard charges apply. For emergencies, card hotlisting via IVR or the mobile app is available 24×7.

Kotak Mahindra Bank received its banking license in 2003 and operates a large national network of branches and ATMs across India. Leveraging the official digital channels alongside the helplines will usually give you the fastest, most secure resolution path for both routine and urgent service needs.