I have opened an account and did not use it for 3 months and i tried using it but cannot go through , the app said to go and visit the branch to start again, when I went to start my account at the branch they said to Deposit 40,000 rs , i really don't understand why this bank is said a zero balance account and asking me to deposit 40,000 rs , very poor service, did not expect it from the kotak branch , very very poor