{"id":1302494,"date":"2025-11-13T07:38:10","date_gmt":"2025-11-13T02:08:10","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1302494"},"modified":"2025-11-13T07:43:54","modified_gmt":"2025-11-13T02:13:54","slug":"kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/","title":{"rendered":"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1"},"content":{"rendered":"\n<p>Starting <strong>December 2025<\/strong>, <strong>Kotak Mahindra Bank<\/strong> customers will be charged for <strong>transaction SMS alerts<\/strong> beyond a specified free limit. The bank has announced that it will begin levying a fee of <strong>Rs 0.15 per SMS<\/strong> after the first <strong>30 free transaction alerts per month<\/strong>, citing rising operational costs involved in maintaining real-time alert systems.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1-1024x576.jpg\" alt=\"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1\" class=\"wp-image-1302499\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1-1024x576.jpg 1024w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1-300x169.jpg 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1-768x432.jpg 768w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>New SMS Alert Charges Explained<\/strong><\/h3>\n\n\n\n<p>Under the new policy, Kotak Mahindra Bank customers will receive up to <strong>30 SMS alerts per month for free<\/strong>. These messages typically inform users about activities such as deposits, <a href=\"https:\/\/www.indiatvnews.com\/business\/personal-finance\/kotak-mahindra-bank-sms-alert-charges-from-december-heres-what-you-can-do-to-get-waiver-2025-11-12-1017139\">withdrawals, UPI transfers, or debit card payments.<\/a><\/p>\n\n\n\n<p>Once the free limit is crossed, each additional SMS alert will cost <strong>Rs 0.15 per message<\/strong>. The bank says this move ensures that customers continue receiving <strong>timely transaction notifications<\/strong>, while the charges help <strong>offset communication and maintenance expenses<\/strong> associated with the alert infrastructure.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How to Avoid SMS Alert Charges<\/strong><\/h3>\n\n\n\n<p>Customers can <strong>avoid paying SMS fees<\/strong> if their accounts meet certain minimum balance or salary criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For <strong>regular savings or salary accounts<\/strong>, maintaining a <strong>combined balance of Rs 10,000 or more<\/strong> \u2014 including the <strong>monthly average balance and term deposits<\/strong> \u2014 will make SMS alerts <strong>free<\/strong>.<\/li>\n\n\n\n<li>For <strong>Kotak 811 accounts<\/strong>, a lower threshold applies \u2014 customers need a <strong>combined balance of Rs 5,000 or more<\/strong>, which also includes monthly average balance and term deposits.<\/li>\n\n\n\n<li>Additionally, regular <strong>salary credit<\/strong> into the account will also exempt users from these charges.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Changes to Kotak Mahindra Debit Card Fees<\/strong><\/h3>\n\n\n\n<p>Apart from the SMS alert changes, Kotak Mahindra Bank has <strong>revised annual and issuance fees<\/strong> for select debit cards effective <strong>November 1, 2025<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>Privy League Black Metal Debit Card<\/strong> fee has been <strong>reduced<\/strong> from <strong>Rs 5,000 to Rs 1,500 per annum<\/strong>.<\/li>\n\n\n\n<li>The <strong>Privy League LED Debit Card<\/strong> fee has also been <strong>cut<\/strong> from <strong>Rs 2,500 to Rs 1,500 per annum<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>These reductions are intended to make premium cards more accessible while offering enhanced lifestyle and travel benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What Customers Should Know<\/strong><\/h3>\n\n\n\n<p>While the new SMS charge policy introduces a modest fee structure, it encourages customers to <strong>maintain adequate balances<\/strong> and consider switching to <strong>digital notification channels<\/strong> like email or in-app alerts to stay informed at no extra cost.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting December 2025, Kotak Mahindra Bank customers will be charged for transaction SMS alerts beyond a specified free limit. The bank has announced that it will begin levying a fee of Rs 0.15 per SMS after the first 30 free transaction alerts per month, citing rising operational costs involved in maintaining real-time alert systems. New [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1302499,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[3738,5762],"class_list":["post-1302494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-kotak","tag-sms"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"Starting December 2025, Kotak Mahindra Bank customers will be charged for transaction SMS alerts beyond a specified free limit. The bank has announced that it will begin levying a fee of Rs 0.15 per SMS after the first 30 free transaction alerts per month, citing rising operational costs involved in maintaining real-time alert systems. New [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/\" \/>\n<meta property=\"og:site_name\" content=\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-13T02:08:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-13T02:13:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mohul Ghosh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohul Ghosh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/\",\"url\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/\",\"name\":\"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups\",\"isPartOf\":{\"@id\":\"https:\/\/trak.in\/stories\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg\",\"datePublished\":\"2025-11-13T02:08:10+00:00\",\"dateModified\":\"2025-11-13T02:13:54+00:00\",\"author\":{\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\"},\"breadcrumb\":{\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage\",\"url\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg\",\"contentUrl\":\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/trak.in\/stories\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/trak.in\/stories\/#website\",\"url\":\"https:\/\/trak.in\/stories\/\",\"name\":\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\",\"description\":\"Trak.in is a popular Indian Business, Technology, Mobile &amp; Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups &amp; Social Media Space\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/trak.in\/stories\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7\",\"name\":\"Mohul Ghosh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g\",\"caption\":\"Mohul Ghosh\"},\"url\":\"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/","og_locale":"en_US","og_type":"article","og_title":"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups","og_description":"Starting December 2025, Kotak Mahindra Bank customers will be charged for transaction SMS alerts beyond a specified free limit. The bank has announced that it will begin levying a fee of Rs 0.15 per SMS after the first 30 free transaction alerts per month, citing rising operational costs involved in maintaining real-time alert systems. New [&hellip;]","og_url":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/","og_site_name":"Trak.in - Indian Business of Tech, Mobile &amp; Startups","article_published_time":"2025-11-13T02:08:10+00:00","article_modified_time":"2025-11-13T02:13:54+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg","type":"image\/jpeg"}],"author":"Mohul Ghosh","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mohul Ghosh","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/","url":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/","name":"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1 - Trak.in - Indian Business of Tech, Mobile &amp; Startups","isPartOf":{"@id":"https:\/\/trak.in\/stories\/#website"},"primaryImageOfPage":{"@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage"},"image":{"@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage"},"thumbnailUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg","datePublished":"2025-11-13T02:08:10+00:00","dateModified":"2025-11-13T02:13:54+00:00","author":{"@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7"},"breadcrumb":{"@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#primaryimage","url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg","contentUrl":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/trak.in\/stories\/kotal-mahindra-bank-will-charge-for-transaction-sms-alerts-starting-dec-1\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/trak.in\/stories\/"},{"@type":"ListItem","position":2,"name":"Kotal Mahindra Bank Will Charge For Transaction SMS Alerts Starting Dec 1"}]},{"@type":"WebSite","@id":"https:\/\/trak.in\/stories\/#website","url":"https:\/\/trak.in\/stories\/","name":"Trak.in - Indian Business of Tech, Mobile &amp; Startups","description":"Trak.in is a popular Indian Business, Technology, Mobile &amp; Startup blog featuring trending News, views and analytical take on Technology, Business, Finance, Telecom, Mobile, startups &amp; Social Media Space","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/trak.in\/stories\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/5092a7d2906e3f3c819643435477c2a7","name":"Mohul Ghosh","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/trak.in\/stories\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/66c129d83dd3f325a3b550eb1aa16891173ddfc4686361424206cd9a01311c89?s=96&d=mm&r=g","caption":"Mohul Ghosh"},"url":"https:\/\/trak.in\/stories\/author\/mohul-ghosh\/"}]}},"jetpack_featured_media_url":"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/11\/Untitled-design-2-1-1280x720-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1302494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/comments?post=1302494"}],"version-history":[{"count":2,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1302494\/revisions"}],"predecessor-version":[{"id":1302501,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/posts\/1302494\/revisions\/1302501"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media\/1302499"}],"wp:attachment":[{"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/media?parent=1302494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/categories?post=1302494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trak.in\/stories\/wp-json\/wp\/v2\/tags?post=1302494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}