Kotak Mahindra Bank is one of India’s premier private sector banks, providing a range of financial products and services to meet diverse customer needs. Knowing the bank’s working hours can help you schedule your visit more efficiently, whether it’s for routine transactions, locker access, or any banking-related inquiries. Here’s a complete guide to Kotak Mahindra Bank timings and working hours for 2024, covering locker timings, NEFT/RTGS/IMPS transactions, and customer care availability.
Kotak Mahindra Bank Timings & Working Hours
Kotak Mahindra Bank operates from Monday to Friday and on the 1st, 3rd, and 5th Saturdays of each month. The bank observes full closures on the 2nd and 4th Saturdays, as well as on Sundays and public holidays. Here are the general working hours for Kotak Mahindra Bank branches across India:
- Monday to Friday: 9:30 AM to 4:30 PM
- 1st, 3rd, and 5th Saturdays: 9:30 AM to 4:30 PM
- 2nd and 4th Saturdays, Sundays: Closed
These timings are standard across most branches, though some variations may exist based on regional or branch-specific factors. If you’re planning a visit during festivals or special holidays, checking with your local branch can be helpful to confirm exact hours.
Kotak Bank Lunch Timings
To ensure a smooth banking experience for customers, Kotak Mahindra Bank staggers lunch breaks for its employees, which means the bank remains open throughout the day. Generally, lunch breaks are observed between 1:00 PM and 2:00 PM, though the exact timing may differ slightly across branches. This approach enables customers to carry out transactions without interruption, as there is always staff available to assist during operating hours.
Kotak Mahindra Bank Locker Timings
Locker facilities at Kotak Mahindra Bank are accessible only during the bank’s operational hours. Here’s when you can access your locker:
- Monday to Friday: 9:30 AM to 4:30 PM
- 1st, 3rd, and 5th Saturdays: 9:30 AM to 4:30 PM
It’s a good idea to contact your branch ahead of time if you plan to use the locker facility, as some branches may have specific requirements for locker access.
Kotak Mahindra Bank NEFT, IMPS, RTGS Timings
Kotak Mahindra Bank provides several fund transfer options, including NEFT, RTGS, and IMPS. Here are the operational hours for these services:
NEFT (National Electronic Funds Transfer)
- Branch Timings: 9:30 AM to 4:00 PM (Monday to Friday and 1st, 3rd, and 5th Saturdays)
- Online Timings: 24×7 through mobile and internet banking
NEFT transactions initiated online are available round-the-clock, allowing you to transfer funds anytime, even outside branch hours.
RTGS (Real-Time Gross Settlement)
- Branch Timings: 9:30 AM to 4:00 PM (Monday to Friday and 1st, 3rd, and 5th Saturdays)
- Online Timings: 24×7 for transactions above ₹2 lakhs
RTGS is ideal for high-value transactions and is processed in real-time, ensuring funds are transferred immediately during operating hours.
IMPS (Immediate Payment Service)
- Available 24/7 through Kotak’s mobile and internet banking platforms
IMPS transactions are processed instantly, making it a convenient option for immediate fund transfers.
UPI (Unified Payments Interface)
- Available 24/7 for both small and large transactions, offering a quick, user-friendly way to make payments.
Tips for Planning Your Visit to Kotak Mahindra Bank
- Avoid Peak Hours: The busiest times are usually just after the bank opens and before it closes. Visiting during mid-morning or early afternoon can save you time.
- Plan Around Holidays: National and regional holidays can impact branch availability, so check in advance if you’re planning a visit close to these dates.
- Utilize Digital Banking: Many transactions can be completed online through Kotak’s internet or mobile banking, reducing the need for in-branch visits.
Kotak Mahindra Bank Timings in Major Cities
| City | Monday to Friday | 1st, 3rd, and 5th Saturday | 2nd and 4th Saturday, Sundays, and Holidays |
|---|---|---|---|
| Mumbai | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Delhi | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Bangalore | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Hyderabad | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Kolkata | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Chennai | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Pune | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
| Ahmedabad | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM | Closed |
Kotak Bank Customer Service
Kotak Mahindra Bank offers multiple customer service channels to assist with banking needs and inquiries. Here are some ways you can reach customer support:
- Toll-Free Number: 1860 266 2666
- Email Support: You can reach out through the email support provided on the Kotak Mahindra website for specific inquiries.
- Chat Support: Kotak Mahindra offers online chat support through its website for real-time assistance.
- Mobile App Support: The Kotak mobile app also provides a convenient platform for banking services, where you can check balances, make payments, and request support.
These channels are available to assist with questions about NEFT/RTGS/IMPS, account-related issues, credit card support, and loan inquiries.
Kotak Mahindra Bank Working Time during Holidays
Kotak Mahindra Bank observes national and regional holidays, during which all branches remain closed. The bank also closes on the 2nd and 4th Saturdays, in addition to Sundays. If a holiday falls on a working day, customers are advised to check with their local branch for potential early closures or changes in operating hours.
To manage banking needs on holidays, Kotak Mahindra Bank offers digital services such as mobile and internet banking, allowing customers to perform various transactions even when branches are closed.
Kotak Bank Holidays List 2025
| Date | Day | Holiday |
|---|---|---|
| January 1 | Wednesday | New Year’s Day |
| January 26 | Sunday | Republic Day |
| March 17 | Monday | Holi |
| April 14 | Monday | Dr. Ambedkar Jayanti |
| May 1 | Thursday | Maharashtra Day (in select states) |
| August 15 | Friday | Independence Day |
| October 2 | Thursday | Gandhi Jayanti |
| October 21 | Tuesday | Dussehra |
| November 4 | Tuesday | Diwali |
| December 25 | Thursday | Christmas |
Note: The above holiday list is indicative. Regional holidays may vary, so please confirm with your local branch for any location-specific holidays.
Related: Other bank timings in India to know:
- SBI Timings: Working Hours & Lunch Timings
- PNB Timings: Working Hours & Lunch Timings
- UBI Timings: Working Hours & Lunch Timings
- IDBI Bank Timings: Working Hours & Lunch Timings
- Bank of Baroda Timings: Working Hours & Lunch Timings
- Canara Bank Timings: Working Hours & Lunch Timings
- Axis Bank Timings: Working Hours & Lunch Timings
- HDFC Bank Timings: Working Hours & Lunch Timings
- ICICI Bank Timings: Working Hours & Lunch Timings
- Bank of India Timings: Working Hours & Lunch Timings
- HSBC Bank Timings: Working Hours & Lunch Timings
FAQs Related to Kotak Mahindra Bank Timings
Q. Is Kotak Mahindra Bank open on Sundays and public holidays?
No, Kotak Mahindra Bank is closed on all Sundays, the 2nd and 4th Saturdays, and all public and national holidays. Local holiday schedules may vary based on the branch location.
Q. What are Kotak Mahindra Bank’s weekend hours?
Kotak Mahindra Bank timings are from 9:30 AM to 4:30 PM during Saturdays and it operates on the 1st, 3rd, and 5th Saturdays. It remains closed on the 2nd and 4th Saturdays.
Q. Does Kotak Mahindra Bank close for lunch?
No, Kotak Mahindra Bank provides uninterrupted service throughout the day by staggering lunch breaks for employees. This allows customers to access services during standard working hours without any full closure for lunch.
Q. Is there a cutoff time for same-day RTGS transactions at Kotak Mahindra Bank branches?
Yes, the cutoff time for same-day RTGS transactions at Kotak Mahindra Bank branches is 4:00 PM. Transactions made after this time are processed the following working day. However, online RTGS is available 24×7 for real-time transfers.
Q. Can I perform NEFT transactions after the bank closes?
Yes, NEFT transactions can be conducted online through Kotak’s mobile or internet banking services, available 24×7, even after branches have closed.
Q. Can I make UPI payments on bank holidays through Kotak Mahindra Bank?
Yes, UPI payments are accessible 24×7, including weekends and bank holidays, allowing for seamless transactions anytime.
Q. Can I access my Kotak Mahindra Bank locker on bank holidays or weekends?
No, Kotak Mahindra Bank locker facilities are only accessible during regular working hours on weekdays and on the 1st, 3rd, and 5th Saturdays. Lockers cannot be accessed on bank holidays, Sundays, or the 2nd and 4th Saturdays.
Knowing the Kotak Mahindra Bank timings and working hours can help you plan your banking activities effectively, ensuring a smooth experience at the branch. With defined hours for NEFT, RTGS, and locker access, along with 24/7 digital banking options, the bank provides convenient services for all types of customers. For any specific queries or to confirm Kotak Mahindra Bank timings, consider reaching out to your nearest branch or using Kotak’s digital support channels for a seamless banking experience.
