Kotak Mahindra Bank SMS alert charges 2025 : new Charge of 0.15 per SMS alert for every ATM withdrawal, UPI Transaction and Credit Card Swipe.
Kotak Mahindra Bank will start a new policy in December 2025 that changes how customers get SMS alerts for their transactions. Recent announcements state that every ATM withdrawal, UPI transaction, or credit card swipe will now trigger a transaction SMS. After the first 30 free alerts each month, there will be a charge of ₹0.15 per message.
This change of Kotak Mahindra Bank SMS Alert Charges 2025 is meant to cover operational costs while still providing real-time updates for account activity. It affects all regular account holders, but there are smart ways to avoid the new SMS fee completely.
What Are the New SMS Charges?
- Customers will get the first 30 transaction SMS alerts free each month.
- After this limit, every additional SMS alert will cost ₹0.15 per message, covering all account activities, including ATM, UPI, and card transactions.
- All account holders will receive a notification from the bank before this change takes effect.
How to Save on Kotak Mahindra Bank SMS Alert Charges 2025
Keep a Sufficient Minimum Balance:
For regular Kotak accounts, maintain at least ₹10,000 to avoid SMS alert charges.
For Kotak 811 digital accounts, keeping a minimum balance of ₹5,000 each month ensures you won’t incur any charges.
Salary Credits & Specific Account Types:
Salary account holders and those with certain premium accounts will also avoid these fees if their monthly salary is credited regularly.
Special Exemptions Apply:
NRI accounts, government business accounts, and a few others will not be subject to these charges.
Why Is This Change Happening?
Kotak Mahindra Bank states that this adjustment is necessary to cover operational and maintenance costs for their SMS alert system, while still giving customers timely transaction updates.
Customer Backlash and Practical Advice
The announcement of Kotak Mahindra Bank SMS Alert Charges 2025 has led to discussions and criticism from many account holders, especially frequent UPI users who may easily exceed the free SMS limit. The best way to avoid the new charges is to keep your account balance above the required minimum. This way, you can continue receiving unlimited transaction SMS alerts at no extra cost.
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Inform other Kotak Mahindra Bank customers about this update to prevent unexpected fees.