THE PRIVY LEAGUE PREMIUM Luxury unlike any other,

BANKING PROGRAMME. custom made for NRIs.

This brochure is meant for information purposes only. Kotak Bank does not hold in any way through this material solicit for any offer for purchase, sale or any financial
transaction/production or any financial instruments dealt herein. Certain products and services dealt with this material may not be available to certain geographies.

Kotak Mahindra Bank Ltd. is a Bank Licensed by the Reserve Bank of India. The Bank is not regulated in the United States of America. The above is not intended as a recommendation or for
the purpose of soliciting any action in relation to any investments in India. This is for the purpose of information on the Kotak Group. You should consult your Professional Advisor duly
regulated in the United States before taking any investment decisions.

Kotak Mahindra Bank and any of its directors, employees and personnel shall not be liable for any loss, damage of any nature including but not limited to direct, indirect, punitive, special,
exemplary, consequential as also any loss of profit in any way arising from the use of the services offered by the Tax Consultant. The recipient shall be solely and fully responsible/ liable for
any consequence arising as a result of availing the services and agrees not to hold the Bank liable for any loss or damage upon utilizing the services of the Tax Consultant. The Bank shall not
be responsible in any way for the advice given by the Tax Consultant, its employees, representatives, agents and consultants.

This brochure is meant for information purposes only. Kotak Bank does not hold in any way through this material solicit for any offer for purchase, sale or any financial
transaction/production or any financial instruments dealt herein. Certain products and services dealt with this material may not be available to certain geographies.

Insurance is underwritten by Kotak Mahindra General Insurance Company Ltd.

KMBL/PL-NR-PB/10-17/V.02
Kotak Mahindra Bank Ltd is a Corporate Agent of Kotak Mahindra General Insurance Company Ltd.
 Kotak Mahindra Bank is India's first and only non-banking

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financial company to be converted into a bank. You will be
assured to know that banking with us gives you the benefit of
THE LEGACY more than 30 years of expertise. We have grown from strength
to strength and are today India's 4th largest private sector bank
with over 2,171 ATMS and 1,362 branches across India*.

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PRIVY LEAGUE EXPERIENCE
As an NRI, we realise that your financial needs are different and hence we offer you services that enhance
comfort and efficiency. So while you are away from India, we make sure that your money works harder and
smarter for you. As a privileged customer, we present you the opportunity to sign up for one of India's most
premium and exclusive banking programmes - Privy League.
As a Privy League member, you will always enjoy distinguished banking experience through host of benefits
and unparalleled services covering:
• Priority servicing
• Best in class lifestyle privileges
• Preferential pricing across wide range of products
• Family banking benefits
• Comprehensive NRI product suite
Privy League for NRIs offers three distinct plans - Prima, Magna and Optima, each providing a gamut of
features and privileges that make your banking experience truly memorable. Read on to know more about
these services in detail.
 Benefit Privy League Optima Privy League Magna Privy League Prima Regular Savings
Account

Relationship Dedicated NRI Relationship Manager Phone based

Manager Manager

Service RM Dedicated Service RM Access to NRI Privy league Not Applicable

Service Desk

Service Hotline with Service RM (Paid line) Not Applicable

Communication

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Channel
PRIORITY
Priority Servicing Superior Turn-Around-lime for Service requests Priority Turn-Around-Time Standard Turn-Around-
SERVICES for Service requests Time for Service
requests

Kotak Bank related Complimentary pick-up of 2 documents per annum from Complimentary pickup of Not Applicable
Document Pick-up customer's overseas location 1 document per annum
Services from customer's overseas
location

Call Back Services As per customer's desired time Not Applicable Not Applicable

IVR Routing Priority queue at Customer Contact Centre Standard Queue

Ease of Service a) Facility to change contact details online

b) Processing of select services upon fax/email/phone request
 Benefit Account Privy League Optima Privy League Magna Privy League Prima Regular Savings

Proposition Type Family Banking

Family Banking • AQB requirement for clubbed accounts waived off if threshold balances are maintained Mandate holder
Benefits in the Key Account facilities
• All accounts under the family group upgraded to Privy League basis combined eligibility in India
• Mandate holder facilities in India

Debit Card Privy League Visa Signature Debit Card Privy League Visa Platinum Debit Card Regular International
on the NRE account on the NRE account Debit card on the
NRE Account

{ BANKING
SERVICES } Debit Card Daily
Withdrawal Limit

Debit Card
Daily POS Limit
INR 3 Lakhs

INR 4 Lakhs
INR 2.5 Lakhs

INR 2.5 Lakhs

INR 2 Lakhs

INR 2.5 Lakhs

INR 25,000

INR 25,000

Debit Card Complimentary - without any limit 4 free transactions 2 free transactions Standard charges apply
International on the number of transactions per month per month
ATM Access

Credit Card Kotak NRI Royale Signature Card Not applicable

DD Charges Free DD up to INR 2 lakh per day Free DD up to Free DD up to INR

(Non Branch INR 1 lakh per day 50,000 per day
Locations)
 Benefit Privy League Optima Privy League Magna Privy League Prima Regular Savings
Account

Travel Travel Insurance for the Key account holder with following benefits*: Not Applicable
Insurance - Air Travel Insurance (INR 50 lakhs)
- Home Content Insurance (INR 2 lakhs)
- Delay in flight /loss of baggage (INR 15,000)

Health Health Benefit Card (one card per family group) in India with following offers^: Not Applicable
Benefits - Free consultation with doctors
- 20-30% off on treatment (including Dental treatment)
- 20-30% off on pathology services

{ LIFESTYLE
PRIVILEGES } Tax Matters

Airport Lounge
Assistance in Income Tax Return Filing and PAN Card procurement
One complimentary session per year with our empaneled
NRI taxation expert

Complimentary access# to lounges at Select Domestic and

Not Applicable
Not Applicable
Not Applicable

Applicable only if opted

Access International airports on Visa Royale Signature Credit Card for NR Signature
Credit card

Travel Travel Concierge in India (one per group) Not Applicable Not Applicable
Concierge

*
For only "Key" debit card holders
^
Valid only for 1st year
#
Only for card holder. For more details, please refer to https://www.kotak.com/en/offers.html
 Benefit Privy League Optima Privy League Magna Privy League Prima Regular Savings
Account

Remittances Preferential Exchange Rates Standard Exchange

Rates

Home Loan Rates Quick Home Loan disbursal and lower processing charges Standard Rates

Locker Charges 40% discount on locker rentals for 35% discount on locker 25% discount on locker Standard Rates
lockers of all sizes rentals for lockers of rentals for lockers of
all sizes all sizes

{ PREFERENTIAL
PRICING } PINS Account

Brokerage (Charged
by Kotak Securities)

Overdraft Against
Term Deposit
Preferential offers available from time to time

Preferential offers available from time to time

OD against TD - 1.5% over the

TD rate and loans up to 90% of the TD
OD against TD - 1.75%
the TD rate and loans
Standard Rates

Standard Charges

OD against TD-2%
over the TD rate and
(except FCNR) up to 90% of the TD loans up to 90% of the
(Except FCNR) up to TD (Except FCNR)

Best Compliments Complimentary Standard Charges

Gift Card

General Schedule Concessional Low Charges Standard Charges

of Fees and Charges
 Eligibility Privy League Optima Privy League Magna Privy League Prima Regular Savings
Account

Criteria RV of INR 30 lakhs at group RV of INR 15 lakhs at group INR 5 lakhs in SA + TD (with minimum AQB - INR 10,000
level with minimum AQB of level with minimum AQB of AQB of INR 50,000 in SA Accounts)
INR 1 lakh in SA Accounts INR 1 lakh in SA Accounts or INR 2 Lakhs AQB in SA Accounts

{ ELIGIBILITY
}