Worst app than all. First it ask to send a message then it failed, then I verified it by Mpin option, then it asked to call to customers service center. There I called to verify again my documents. They said to open the app after 4 hours. And when I opened it, it do not open from 3 days. And when I call to service center the AI says they are busy. So I suggest not to open your account in KOTAK BANK.