Privy league

1. Savings accnt
Banking Privileges:

Priority servicing at branches and at our Customer Contact Centre

Free home banking services-, cheque pick up and cash delivery

Discount on locker rentals

Privy League Signature Debit Card with Visa airport lounge access

Privy League Platinum Debit Card that offers a host of benefits

Best-in-class pricing on your Savings Account transactions

Preferential pricing on a bouquet of loans

Free fund transfer options through net banking and mobile banking

Pay your bills conveniently with our online privileged banking services

Priority call back service

ActivMoney - a feature wherein surplus funds lying in your Savings Account beyond a
threshold, move into a Term Deposit, so as to enable your money to earn more for you.
As and when there is a shortfall in the savings account, the money from the Term Deposit
is swept back to your Savings Account, to meet the necessary requirements based on the
principle of Last-In First-Out (LIFO).

2. Investing
We help you with financial planning decisions that aim to achieve your goals in life. It is not just
about buying the right investment and retirement products. Be it creating a will to protect your
family, thinking about how your family will manage without your income, or spending money
differently - it involves thinking about all of these things together i.e. your 'plan'. You can build a
financial plan on your own, or if your needs are more complex, you might want the help of a
Financial Planner.
Whatever your situation, when you are a part of the Kotak Private Banking System** your
Relationship Manager can offer you a complete and customised financial plan, and the right
advice at no additional cost.

** Terms & Conditions Apply

Investment Bouquet
Kotak Mahindra Bank distributes a wide range of investment products that enable you to
consolidate all your holdings, for better control and monitoring.

Mutual Funds
With an investment account, you can invest in the Mutual Fund schemes of all major
Asset Management Companies (AMCs). You can enjoy the convenience of purchasing,
redeeming, switching and setting Systematic Investment Plans (SIP) online, or through
our bank branches. You can also monitor your investments, check NAVs and get access to
research reports.

Life Insurance
You can invest in Life Insurance policies from the Kotak Life Insurance Company.
Choose from a wide range of products like Unit Linked Plans, Term Plans, Pension Plans,
Endowment Plans, Child Plans, etc.

General Insurance
We offer Health Insurance, Fire Insurance, Motor Insurance, Fine Art and Valuables,
Building and Content Insurance and Personal Accident insurance products through our
partner TATA AIG General Insurance Company.

Smart Equity
Trinity Account is a 3-in-1 combination of a Privy League Savings Account, Kotak Bank
and Kotak Securities Demat Account & Trading Account, with preferential broking rates.
This account enables you to invest in the listed securities through Kotak Securities Ltd., a
Kotak Group company. It gives you a comprehensive platform that provides you access
to research reports from Kotak Securities Ltd.

Term Deposits
Choose from a variety of Term Deposit options: monthly payout, quarterly payout,
cumulative and tax saving deposits u/s 80C. The salient features of our Term Deposits
are:
o

Up to 85% of the Term Deposit as an overdraft facility in your Savings Account

Premature partial withdrawal facility on your Term Deposit

0.5% higher interest rate for senior citizens

Facility to link your Term Deposit to your Savings Account

National Pension Scheme (NPS)*

NPS is a Government of India promoted unit linked plan for systematic investment and
creating wealth for your retirement. Any resident individual or NRI aged between 18-60
years can join this scheme. The salient features of NPS are:
o

Extremely low cost of investment

Freedom to switch amongst fund managers and investment options without

attracting tax

No TDS on withdrawal

Additional Income Tax Exemption u/s 80CCD (1B) of up to Rs. 50,000/-

*subject to applicable regulations

3. Smart suite edge

Smart products are available to Privy League Optima and Insignia customers

Smart Equity
With the help of Trinity account, an integrated 3-in-1 account, place after market orders,
access research reports and do more. Some unique benefits you enjoy as a Smart Equity
customer are:

o Preferential brokering rates offered by Kotak Securities Ltd.

o Hassle-free money transfer between your Online Trading and Savings Account
o Online trading as well as call and trade
o SMS alerts for stock updates and trades

o Research reports on market fundamentals, technical analysis and derivative

trading among others
o Dedicated dealers
o ODIN terminals and KEAT for trading
The above features are extended by Kotak Securities Ltd, a Kotak Group Company

Smart Overdraft
This is an unsecured overdraft limit that is customised based on your needs and specific
requirements. The facility gives an overdraft limit of up to 4 times the gross salary* for
salaried individuals. This is a zero collateral overdraft which enables you to pay interest
only on the utilised amount.

*Conditions Apply

Smart Home
This is a unique home loan where up to 30% of the loan amount is disbursed as an
overdraft and the balance 70% as a term loan. Excess funds lying in your Savings
Account over a threshold are automatically transferred to the Overdraft Account to help
you save on your home loan. If you have further surplus funds, they flow into term
deposits of 180 days, thereby offering you better returns on your money. This account
gives you the flexibility to withdraw funds at will and you pay interest only on the
overdraft utilised. The interest charged on the term loan as well as the overdraft are
considered expenses under section 24 of the Income Tax Act.

4. Convenience Banking

KPRIVY
Transact, make investments, or place service requests with our executives, without the
hassle of calling the bank. Just SMS KPRIVY to 5676788 between 9:30 AM and 6:30
PM (Mon - Sat), and our executive will call you back within 30 minutes. This service is
available for Privy League Optima and Insignia clients.

Net Banking

Gain instant access to online premium banking for your Bank Accounts, Demat Accounts
and Insurance purchased through Kotak Mahindra Bank. Pay your taxes online and view
your Tax Credit Statement (Form 26AS). Invest in Mutual Funds and the National
Pension Scheme (NPS) online, and also track them. In addition, transfer funds, pay your
utility bills, pay credit card bills and much more.

All this comes to you on a robust and secure technology platform with 128 bit SSL
encryption and dual factor authentication.

Mobile Banking
Manage your Kotak accounts, Credit cards, Investments, make bill payments and transfer
funds with ease using the Kotak Mahindra Bank Mobile Banking App. Click here to
download now

Phone Banking
24X7 phone banking allows you to manage most of your banking requests along with
select transactions. Simply call us on 1800 266 6666 and get direct priority phone
banking access to a Customer Contact Centre executive.

Home Banking
This is a door step banking facility that offers you hassle-free, complimentary cash
delivery and cheque pickup services from your communication address

SMS Banking
This service enables you to get updates via SMS about your Bank Account, Investment
Account and Demat Account, all on your mobile phone. You can get regular updates on
your account balance, credits and debits. The Kotak Bharat Banking App helps you to do
basic banking without an Internet connection. To know more about the Kotak Bharat
Banking App click here

Insta Balance Service

Give us a call on 1800-274-0110 from your registered mobile number and get an instant
update via SMS of your account balance.

KAYPAY

This first-of-its-kind money transfer service for all Facebook users in India, provides a
simple way to send money to Facebook friends, without their account details. To know
more click here.

Message Money
Now you can transfer money to your friends, through SMS, even if you dont know their
account number and without adding them as a beneficiary. All you require is your friends
mobile number. You can even schedule a transfer for the next 7 days. To know more click
here.

Mail Money

5. Credit card benefits

Signature Credit and Debit Cards, give you an unparalleled experience

Privy League Visa Signature Credit Card

o The Card comes with a choice of lifestyle benefits. This premium Credit Card
allows you to earn up to 10X reward points on spends at specific merchant
categories. Your reward points can be redeemed against a host of options like
movie tickets, air tickets, air miles, shopping and more.

Additional benefits of this card include:

o Taj Epicure Plus membership
o Access to airport lounges through Priority Pass membership
o Complimentary PVR movie tickets every quarter
o Fuel surcharge waiver at all fuel stations in India
o Concierge services
o One Assist - more than just a card protection programme

Privy League Visa Signature Debit Card

The Privy League Visa Signature Debit Card is offered to Privy League Optima and
Insignia clients. Some of the key benefits of this card include:

o Complimentary unlimited access to any Visa ATM globally

o Daily cash withdrawal limit of up to Rs. 3 lakhs and daily purchase limit of up to
Rs. 4.5 lakhs, depending on your Privy League plan
o Two complimentary visits per quarter to Visa airport lounges at domestic
terminals
o Free issuance of Priority Pass
o Protection against loss of card on reporting
o Waiver on fuel surcharge across fuel stations in India
o Purchase protection of Rs. 1.5 lakhs
o Air Accident Insurance of Rs. 1 crore
o Baggage Insurance of Rs. 1 lakh
o Buy one ticket and get one free at BookMyShow.com on weekends (Fri Sun)
You also get a host of convenient concierge services from Visa. These services could
include arranging for airline tickets, hotel reservations, car rentals or even booking movie
tickets for you. Since these services are global, you could avail maximum advantage
when you travel.

Privy League Visa Platinum Debit Card

The Privy League Visa Platinum Debit Card is offered to Privy League Prima clients.
Some of the key benefits of this card include:

o Complimentary unlimited access to any Visa ATM globally

o Daily cash withdrawal and purchase limits of up to Rs. 2.5 lakhs
o Protection against loss of card on reporting
o Waiver on fuel surcharge across fuel stations in India
o Purchase protection of Rs. 1 lakh

o Air Accident Insurance of Rs. 20 lakhs

o Baggage Insurance of Rs. 1 lakh

6. Lifestyle Privileges
Exclusively yours to enjoy

Privy League Select magazine

Privy League Select, an exclusive lifestyle magazine, is designed for our privileged
customers and covers exquisite travel, dining, fashion, finance and much more. Join Privy
League to avail a copy of the magazine. To preview some of our earlier issues click here.

Invitations to exclusive lifestyle events based on your likes and interests