| Dear Customer, This is to inform you about the changes in ATM cash withdrawal charges announced by the Reserve Bank of India (RBI) vide the latest RBI circular (RBI/2021-22/52 DPSS.CO.OD.No.S-182/06.07.011/2021-22). • Financial transactions (cash withdrawal from ATM) in excess of the free permissible limit (mentioned below), will now be charged at Rs.21 (excl. GST), instead of Rs.20 (excl. GST), effective January 1, 2022. • Non-financial transactions charges (Balance Enquiry, Mini Statement, PIN Change etc.) made through your Kotak Bank Debit Cards beyond the free permissible limits shall continue to be at Rs. 8.5 (excl. GST) Here is the list of free ATM transactions eligible on Kotak Debit Card*. These transactions can either be Financial on Non-financial (as mentioned above) • Kotak Bank ATMs - 5 transactions per month • Other Bank ATMs - 3 transactions per month (Metro cities) and 5 transactions per month (Non-Metro cities) *Waiver of this charge, if currently applicable on your Kotak Debit Card, will continue as is. To avoid paying the charges, we urge you to keep a check on your ATM transactions, every month. For your convenience, you can also enable Online payments and Contactless payments on your Kotak Bank Debit Card via Kotak Net/ Mobile Banking App. Assuring you the best of our services. Warm regards,
Team Kotak Mahindra Bank | 
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