Bank

Kotak Mahindra Bank Customer Care Number — 24x7 Helpline, WhatsApp, Email & Grievance Redressal

Every contact below is taken from Kotak Mahindra Bank's own official contact or grievance page — not from a directory listing. Along with the numbers you will find what each channel can actually resolve, the grievance officer to escalate to, and the free RBI route above them if Kotak Mahindra Bank does not fix your problem.

Contacts last verified: 2026-09-23

Kotak Mahindra Bank customer care contacts at a glance

Toll-free numbers

1800 4100 · 1800 209 0000

Available 24x7

1800 4100 · 1800 209 0000

Number What it is for Hours
1800 4100 Toll-free 24x7 Main customer care — banking needs, complaints and resolution. Kotak routes general banking, loans, cards and SME banking through this single number and qualifies availability by product. Published as "24X7 Toll free helpline*". The asterisk resolves to a product-wise table: 811 Account Service 8:00 AM to 8:00 PM (excluding Bank holidays); Personal Loan, Business Loan and Home Loan, Smart EMI Mon-Sat 9:00 AM to 8:00 PM (excluding Bank holidays); Commercial Vehicles Loan, Tractor & equipment Loan, Gold Loan, Agriculture Loan, Micro Finance Loan Mon-Sat 9:30 AM to 6:30 PM (excluding Bank holidays); Credit Card service, Card Cancellation, mis-sell and harassment related complaints helpline 24*7; EBS Care (POS and CMS) Mon-Sat 9:00 AM to 9:00 PM (closed on bank holidays)
1800 209 0000 Toll-free 24x7 Fraud reporting; also used to block debit/credit card, Net Banking and Mobile Banking Published verbatim as "24X7 Fraud Reporting helpline"
+91 22 6204 2001 Calling Kotak from outside India Local charges apply
022-62042110 Nodal Officer (Level 2) — personal banking and NRI banking Mon to Fri 10.00 am to 6.00 pm excluding bank holidays
022-6204 2120 Principal Nodal Officer (Level 3) — personal banking and NRI banking Mon to Fri (10.00 am to 6.00 pm) excluding bank holidays
022-66006000 Private Banking Nodal Officer Mon to Fri (10.00 am to 6.00 pm)
022 6204 2100 Private Banking grievance hotline — "You can also register your grievance on our hotline number" not published
1855 3656767 NRI customers calling from USA (toll free) not published
1855 7684020 NRI customers calling from Canada (toll free) not published
00800 44990000 NRI customers calling from UK (toll free) not published
8000 1830148 NRI customers calling from UAE (toll free) not published
001 800 44990000 NRI customers calling from Hong Kong (toll free) not published
800 1013054 NRI customers calling from Singapore (toll free) not published
0011 800 44990000 NRI customers calling from Australia (toll free) not published
+91 22 6773 6000 Kotak Mahindra Prime (car finance) Customer Service Centre — Maharashtra and Goa not published

WhatsApp

7710811811

"811 Cares" — WhatsApp banking for Kotak 811 customers only, not general Kotak banking. Kotak says: "Save our number 7710811811 on your phone" and "Go on WhatsApp and send a "Hi" on the number above to activate the service". It states: "We are happy to introduce 811 Cares, a seamless and quick WhatsApp banking service for our customers! Now, find answers to your questions in English or Hinglish." Hours: "We are at your service 24x7. You can text us anytime and we will help you out". Covers account transaction history, account balance, reset MPIN, transactions, upgrade, Kotak 811 variants, UPI, virtual debit card, account details, average monthly balance, app issues, BillPay, block/freeze, credit card, cash deposit, change in details, charges, cheque book, CRN, debit card, fixed deposit, FKYC and funding. Kotak notes: "Our WhatsApp account is completely secure and we don't ask for any sensitive data from our customers" and that the bot "is a support platform that will help you answer all your queries and provide you with the right links to navigate to the relevant screen on the Kotak811 Mobile Banking App".

Email

24x7: at least one line above is published as round-the-clock. Fraud and card-block requests should always go to that line immediately — speed, not paperwork, is what limits your loss.

Verified against https://www.kotak.bank.in/en/customer-service/contact-us.html

Check the number before you dial

Searching for a customer care number is one of the most exploited moments in Indian consumer finance: fraudsters seed fake helplines into search results, map listings and social-media replies. Take the number from Kotak Mahindra Bank's own site or from inside its app, and never accept inbound help. No bank, NBFC or lender in India will ever ask for your OTP, PIN, CVV, full card number or a screen-sharing app, and no genuine refund requires you to pay first.

Kotak Mahindra Bank's own published warning: “Stay Alert! Do not share any confidential account information such as PIN, CVV, Debit/Credit Card number, OTP, passwords, Mobile Banking PIN or UPI PIN with anybody. Kotak Bank will never ask for such sensitive information. — Kotak also publishes: "Do not share card details — We will never ask for card details, CVV, expiry date or any such sensitive information over a call" and "Never share your bank details — No trusted company or government institution will ask you to share your personal banking information over email", under the campaign line "Don't let scams steal your peace / Think Twice. Act Wise."”

If money has already left your account, call 1930 and file at cybercrime.gov.in the same hour — see the first-hour fraud steps.

What you can get done on the Kotak Mahindra Bank helpline

  • › Call 1800 4100 (toll-free) "for your Banking Needs, Complaints and Resolution"
  • › Block a debit or credit card and other channels like Net Banking and Mobile Banking by calling the 24x7 helpline 1800 209 0000
  • › Report a fraud or raise a dispute online through Kotak's "Report Fraud / Raise Dispute" link
  • › Request a call-back via Help & Support on the New Kotak Bank Mobile App
  • › Submit a complaint online by selecting the relevant product — Credit Card, Loan, Banking, Fastag or Other, plus Collections and Misselling Complaints and Digital Lending
  • › Reach the bank through the inbox section on Net Banking
  • › Raise a complaint at a branch, or by post to "Kotak Mahindra Bank Ltd. P.O. Box:16344, Mumbai-400013"
  • › Check balance, view transaction history, reset MPIN, order a cheque book and manage cards via 811 Cares WhatsApp banking (Kotak 811 customers)
  • › Escalate an unresolved complaint to the Nodal Officer and then the Principal Nodal Officer by email
  • › Keep CRN and MPIN or Debit Card/Credit Card PIN handy when calling — "Please keep your CRN and MPIN or Debit Card/Credit Card PIN handy when you call us"

Keep these ready before you call — your loan or account number, registered mobile number, the exact date and amount of the transaction in question, and any earlier complaint reference number. Ask for a reference number before the call ends and note the agent's name: without a reference, an escalation has nothing to attach to.

Kotak Mahindra Bank grievance redressal — officer, address and timelines

RBI requires every regulated lender to appoint and publish a Grievance Redressal / Nodal Officer, both on its website and inside its app. This is who you write to when customer care has failed — and the step you must complete before the Ombudsman will hear you.

Grievance Redressal / Nodal Officer

Name
Ms. A Shukla
Designation
Nodal Officer (Level 2) — personal banking and NRI banking
Email
nodalofficer@kotak.com
Phone
022-62042110
Address
ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai Maharashtra – 400093
Hours
Mon to Fri 10.00 am to 6.00 pm excluding bank holidays
Timeline
"We would respond to you within 2 working days." Kotak's trigger for this level is: "If you have not received a satisfactory response at Level 1 within 2 working days, please send an email to escalate to our Nodal Officer"

Principal Nodal Officer

Name
Mr. A. Shah
Email
pno@kotak.com
Phone
022-6204 2120
Address
ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai Maharashtra – 400093
Timeline
"We would respond to you within 2 working days." Trigger: "If you have not received a satisfactory response at Level 2 within 2 working days, please send an email to escalate to our Principal Nodal Officer". Office hours: Mon to Fri (10.00 am to 6.00 pm) excluding bank holidays

Registered office: Kotak Mahindra Bank, Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Letters: P.O. Box: 16344, Mumbai - 400013

If Kotak Mahindra Bank does not resolve it: the escalation ladder

Each level has to be attempted before the next one will hear you, and each one needs the reference number from the level below. Nothing here costs money and none of it needs a lawyer.

Level 1

Customer contact centre — "Call us 24x7 on 1800 4100 Toll free number or request a call-back via Help & Support on the New Kotak Bank Mobile App"; also the online complaint form, Net Banking inbox, branches, or post

1800 4100; customersupport@kotak.com (nriservices@kotak.com for NRI); Kotak Mahindra Bank Ltd. P.O. Box:16344, Mumbai-400013

"We would respond to you within 2 working days"

Level 2

Nodal Officer — Ms. A Shukla

nodalofficer@kotak.com, 022-62042110, ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai Maharashtra – 400093 (Mon to Fri 10.00 am to 6.00 pm excluding bank holidays)

"We would respond to you within 2 working days." Escalate here if Level 1 has not responded satisfactorily within 2 working days

Level 3

Principal Nodal Officer — Mr. A. Shah

pno@kotak.com, 022-6204 2120, ABR Emerald Building, Floor no - 8, Plot no D8, Street 16, MIDC Central Rd, Andheri East, Mumbai Maharashtra – 400093 (Mon to Fri 10.00 am to 6.00 pm excluding bank holidays)

"We would respond to you within 2 working days." Escalate here if Level 2 has not responded satisfactorily within 2 working days

Level 4

RBI Banking Ombudsman

Kotak's own Banking Ombudsman detail page returns a 404, so no Ombudsman contact details are currently verifiable on a Kotak page — see unverified

"In case your grievance does not get resolved at the Bank Level within a month, please write to the Banking Ombudsman". The Grievance Redressal Policy adds: "If the customer's complaint is not resolved within the given timeline of one month, or if he is not satisfied with the resolution provided by the Bank, he can approach Banking Ombudsman with his complaint."

Regulator and emergency helplines

National Cyber Crime Helpline
1930 		Financial fraud, unauthorised transactions, digital-arrest and phishing scams. Call within the first hour.
cybercrime.gov.in
RBI Ombudsman (Integrated Scheme)
14448 		Bank, NBFC, credit bureau and payment complaints unresolved after 30 days. Free; no lawyer needed.
cms.rbi.org.in
RBI Sachet Reporting unregistered lenders, illegal loan apps and unauthorised deposit-taking schemes.
sachet.rbi.org.in
National Consumer Helpline
1915 		Consumer disputes including mis-selling of financial products. Toll-free, 8 AM–8 PM.
consumerhelpline.gov.in

Kotak Mahindra Bank customer care — frequently asked questions

What is the Kotak Mahindra Bank customer care number?
1800 4100 (Main customer care — banking needs, complaints and resolution. Kotak routes general banking, loans, cards and SME banking through this single number and qualifies availability by product.), 1800 209 0000 (Fraud reporting; also used to block debit/credit card, Net Banking and Mobile Banking), +91 22 6204 2001 (Calling Kotak from outside India), 022-62042110 (Nodal Officer (Level 2) — personal banking and NRI banking), 022-6204 2120 (Principal Nodal Officer (Level 3) — personal banking and NRI banking), 022-66006000 (Private Banking Nodal Officer), 022 6204 2100 (Private Banking grievance hotline — "You can also register your grievance on our hotline number"), 1855 3656767 (NRI customers calling from USA (toll free)), 1855 7684020 (NRI customers calling from Canada (toll free)), 00800 44990000 (NRI customers calling from UK (toll free)), 8000 1830148 (NRI customers calling from UAE (toll free)), 001 800 44990000 (NRI customers calling from Hong Kong (toll free)), 800 1013054 (NRI customers calling from Singapore (toll free)), 0011 800 44990000 (NRI customers calling from Australia (toll free)), +91 22 6773 6000 (Kotak Mahindra Prime (car finance) Customer Service Centre — Maharashtra and Goa). It is published as a 24x7 line. These are taken from Kotak Mahindra Bank's own official contact page — verify anything you find elsewhere against that page or inside the app before calling.
Is there a 24x7 Kotak Mahindra Bank helpline?
Yes. Kotak Mahindra Bank publishes 1800 4100, 1800 209 0000 as available round the clock. Kotak publishes its Customer Service Centre as "24 Hour" and the main line 1800 4100 as a "24X7 Toll free helpline*", with the asterisk resolving to product-wise hours (811 account service 8:00 AM to 8:00 PM; personal/business/home loans and Smart EMI Mon-Sat 9:00 AM to 8:00 PM; commercial vehicle, tractor, gold, agriculture and micro finance loans Mon-Sat 9:30 AM to 6:30 PM; credit card service and mis-sell/harassment complaints 24*7; EBS Care Mon-Sat 9:00 AM to 9:00 PM). The fraud helpline 1800 209 0000 is 24X7. Nodal Officer and Principal Nodal Officer desks are Mon to Fri, 10.00 am to 6.00 pm, excluding bank holidays. Toll-free: 1800 4100, 1800 209 0000.
Does Kotak Mahindra Bank have a WhatsApp number?
Yes — 7710811811, published on its own website. "811 Cares" — WhatsApp banking for Kotak 811 customers only, not general Kotak banking. Kotak says: "Save our number 7710811811 on your phone" and "Go on WhatsApp and send a "Hi" on the number above to activate the service". It states: "We are happy to introduce 811 Cares, a seamless and quick WhatsApp banking service for our customers! Now, find answers to your questions in English or Hinglish." Hours: "We are at your service 24x7. You can text us anytime and we will help you out". Covers account transaction history, account balance, reset MPIN, transactions, upgrade, Kotak 811 variants, UPI, virtual debit card, account details, average monthly balance, app issues, BillPay, block/freeze, credit card, cash deposit, change in details, charges, cheque book, CRN, debit card, fixed deposit, FKYC and funding. Kotak notes: "Our WhatsApp account is completely secure and we don't ask for any sensitive data from our customers" and that the bot "is a support platform that will help you answer all your queries and provide you with the right links to navigate to the relevant screen on the Kotak811 Mobile Banking App". Save it from the official page rather than from a forwarded message: impersonating support on WhatsApp is one of the most common fraud methods in Indian lending today.
How do I file a complaint against Kotak Mahindra Bank?
Start with customer care and get a complaint reference number — every later step depends on it. If it is unresolved, write to the Grievance Redressal / Nodal Officer listed above with that reference, your account or policy number and dates. If 30 days pass without a satisfactory reply, complain to the RBI Ombudsman at cms.rbi.org.in — it is free, online and needs no lawyer.
Who is the grievance redressal officer of Kotak Mahindra Bank?
Ms. A Shukla, Nodal Officer (Level 2) — personal banking and NRI banking, reachable at nodalofficer@kotak.com or 022-62042110. Officer names change — the full current details are always on Kotak Mahindra Bank's own grievance page, linked at the foot of this page.
How do I know a Kotak Mahindra Bank customer care number is genuine?
Take it from only two places: the official website, and the support section inside the app. RBI requires the detail to be displayed there, and it is the one place a fraudster cannot edit. Never dial a number from a search snippet, a map listing, a social-media reply or a comment thread. And never accept inbound help — if someone calls claiming to be Kotak Mahindra Bank, hang up and dial the official number yourself. No company will ever ask for your OTP, PIN, CVV or a screen-sharing app.

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