In the app / on the site
Use the bank's published complaint path first: kotak.bank.in/en/customer-service/grievance-redressal/personal-banking….
Do this once, properly. Screenshot everything — you will attach it to the letter.
The escalation ladder
Customer care / online grievance
- 1800 4100Official phone
- customer.support@kotak.bank.inPublished email
- kotak.bank.in/en/customer-service/grievance-redressal/personal-banking…Submit product-specific online form, Net Banking inbox, branch, or call 1800 4100; email customer.support@kotak.bank.in.
Nodal Officer
- 022-62042110Named on page: Ms. A Shukla. Mon–Fri 10:00–18:00 excl. bank holidays.
- nodalofficer@kotak.comPublished email
- kotak.bank.in/en/customer-service/grievance-redressal/personal-banking…If unsatisfied after ~2 working days at Level 1, email Nodal Officer with Service Reference Number.
Principal Nodal Officer
- 022-6204 2120Named on page: Mr. A. Shah.
- pno@kotak.comPublished email
- kotak.bank.in/en/customer-service/grievance-redressal/personal-banking…Escalate to PNO with prior reference if Level 2 unsatisfactory.
RBI Ombudsman / CMS
- cms.rbi.org.inIf unresolved at bank within a month, approach Banking Ombudsman / RBI CMS.
Regulator & ombudsman channels
- RBI Integrated Ombudsman / CMS https://cms.rbi.org.in/ After bank internal redressal fails or ~30 days elapse (as applicable).
Regulators almost always require proof that you complained to the company first. Attach your ticket numbers.
Public social channels
- No verified public social channel for complaints — we only list channels we can source.
Sources & verification
Every phone number, email and link on this page comes from these official pages, checked on 2026-11-04:
- kotak.bank.in/en/customer-service/grievance-redressal/pers…
https://www.kotak.bank.in/en/customer-service/grievance-redressal/personal-banking.html - kotak.bank.in/en/customer-service/grievance-redressal.html
https://www.kotak.bank.in/en/customer-service/grievance-redressal.html - cms.rbi.org.in
https://cms.rbi.org.in/