Wish had minus ratings would have given that. The most pathetic banking experience, disgusting customer service and branch officers and branch managers also have no solutions to problems. Everyone has been rerouting me to someone else for my lien issue. Since then am unable to open my kotak app on phone. Wish my company had never given me this salary account, I wish could get rid of this account for me and my colleagues. Have emailed multiple people including nodal officers but useless.