AnonymousCustomer2026-07-03
Digital 2★Grievance 3★
UPI fails often after 8pm, works fine in the morning.
3.5Overall / 5
270Detailed reviews
4,33,169Community votes
#3Bankerpedia 30
AI summary
of 270 customer reviews
Updated 16 Aug 2026
Customers collectively report a positive experience with Deposits, scoring it 3.9 out of 5, and also appreciate Staff behaviour and Loans, both scoring 3.7. However, Grievance redressal is the weakest area, with a score of 2.7. The overall sentiment is mixed, with some areas of strength and weakness. No dominant theme emerges from the reviews.
+ Deposits+ Staff behaviour+ Loans− Grievance redressal
Every rating and comment below is written by a verified member. This summary is generated from those aggregated scores and refreshed daily. It is community sentiment, not a statement of fact about the bank.
How customers rate Kotak Mahindra Bank
Each area is scored out of 5 by verified members who actually bank here.
| What customers rate | Score | Stars | Ratings |
|---|---|---|---|
| Staff behaviour | 3.7/5 | ★★★★★ | 162 |
| Digital banking | 3.3/5 | ★★★★★ | 116 |
| Loans | 3.7/5 | ★★★★★ | 50 |
| Deposits | 3.9/5 | ★★★★★ | 98 |
| Grievance redressal | 2.7/5 | ★★★★★ | 128 |
| Charges & transparency | 3.7/5 | ★★★★★ | 106 |
Scores are adjusted for how many people rated, so a bank with a handful of ratings cannot outrank one with thousands. Star ratings do not affect the Bankerpedia 30 ranking, which is built only from positive and negative votes.
What people are saying
Real one-line experiences, newest first.
Sneha KulkarniCustomer2026-07-10
Deposits 3★Charges 4★
Locker rent has stayed flat for three years running.
Rajat MalhotraCustomer2026-07-17
Loans 5★Charges 5★
Prepayment had zero penalty, exactly as promised at signing.
Ayesha SiddiquiBanker23d ago
Staff 4★Deposits 5★
Senior citizen FD rate here beat three other banks I checked.
AnonymousCustomer2026-06-06
Staff 5★Deposits 4★
Elderly parents were treated with real patience at the branch.
Neha ChauhanCustomer2026-06-13
Digital 4★Grievance 4★Charges 3★
Failed transaction refunded in two days without me chasing it.
Manish TiwariCustomer2026-06-20
Digital 4★Loans 3★
Net banking is plain but everything I need is two taps away.
Nisha PillaiCustomer2026-06-27
Staff 5★Deposits 5★Charges 4★
Staff explained the whole FD ladder patiently, never felt rushed.
AnonymousCustomer2026-07-04
Staff 4★Digital 4★Deposits 4★Charges 5★
Salary account perks are genuinely useful, not just marketing.
Sneha KulkarniCustomer2026-07-11
Grievance 3★Charges 3★
Charges are fair for the services, wish they were clearer upfront.
Rajat MalhotraCustomer29d ago
Staff 4★Loans 4★Charges 3★
Loan process was smooth, though documentation was repetitive.
Ayesha SiddiquiCustomer22d ago
Staff 3★Digital 3★Grievance 3★
Service depends entirely on which branch you walk into.
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