Fraud bank no customer. Service and not customer centric i don't recommend they will send email stating you got approved for emi they don't do thir app don't respond even if you put original pin if you pay in thier own link which they sen it takes three days for payment so they will charge you late payment fees so 0 customer service we should have an account pay for cc or else even throught the link which kotak send if we pay they will charge late payment fee and the will take three days for pa