Worst experience one can possibly get. I cannot talk to customer care executive because I'm not a kotak user, I just wanted to ask about what is the process, & what charges will be applicable for maintaining the acc. Finally after so many trials I got connected. For every single question I ask the answer was just go to branch go to branch. Why the hell you have CSA service when you don't provide a damn solution?? I won't open acc in kotak bcs I know what trash service they provids.