I want to regularize my emi but due yo EMI bonuses in lockdown there are charges of 46000 applied and Kotak bank is not at all ready to negotiate and now they are sending message that if you will pay emi ,they will dedust charges first . I tried closing ,settling but that is also they denied . So frustrating and bad service kotak is having . sabse ghatiya bank. Lootofy bank. Middle class lokana trass detat fakt, bakiche chuna laun jatat te chalt