Best Premium Current Account for Startups @ Free Cash Withdrawal*
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Startup Premium Current Account

Step into the future of Startup Banking with Kotak's Startup Premium Current Account. This account helps you navigate the complexities of banking while you focus on taking your business to new heights. It offers a waiver on Non-Maintenance Charges for the first year, preferential pricing on Trade and Forex solutions, and various digital and bulk fund transfer options. Our Startup Current Account is designed to empower your business with seamless business banking solutions. With Startup Account, enjoy a perfect blend of innovative features and exclusive benefits that are specially crafted for Startups.

Customised Current Account with a host of solutions for your Startup


Startup Current Account Features

  • Non-Maintenance Charge waiver for the first twelve months from the date of the Current Account opening
  • Free RTGS/NEFT payments at branches or via Net Banking
  • Free cash withdrawal at non-home branch locations up to Rs. 1,00,000 per day
  • Free cash deposits at home branches, up to 5 times of previous month's average credit balance or Rs. 10,00,000, whichever is higher
  • Business Debit Card with no issuance charges
  • Free cheque payment and collection pan-India
  • Free outward cheque returns (up to five instruments per month)
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More power to your business

  • Offers Beyond Banking across different categories to support the nitty-gritty of your business . Explore more
  • Salary Account - Corporate Salary Account for Startup employees. Minimum five employees with an average salary of Rs. 25,000
  • Simple and secure fund transfer through bulk uploads with a Maker-Checker facility
  • Collection solution for convenient reconciliation of receivables through RTGS / NEFT/ IMPS
  • Preferential pricing for trade transactions with a minimum benefit of Rs. 1,10,000* per annum
  • A range of collateral-free, customised Business Loan Solutions to help you grow your business
  • Accept digital payments safely and securely with the Kotak Point of Sale (POS) machine
  •, an easy-to-use payment collection app, helps you turn your phone into a cash counter and avail multiple digital collection options


*Based on usage of all trade services (1 trade transaction per month)

Offers Beyond Banking for your business

For deposits above 7 days. T&C apply. For detailed terms and conditions, please visit ActivMoney (Auto-Sweep) is a facility of automatically sweeping out funds above a pre-specified threshold from your Current Account to a Term Deposit (TD) Account for 180 days. In case of insufficient balance in the Current Account, the TD will be broken prematurely and the required amount will be transferred to the Current Account. Default Sweep Out and Sweep In for limit for an account variant are the minimum thresholds and one will not be able to opt for limits lower than these. Auto-Sweep out of funds above a pre-specified threshold from Current Account to Fixed Deposit will be for 180 days (For NRE accounts it will be for 1 year) and in multiples of Rs. 5,000/- The nomination registered for Current Account will apply for FDs created through ActivMoney. If the customer opts for ActivMoney in an account, standalone Fixed Deposits cannot be linked to that account. Terms and Conditions guiding the fixed deposit will be applicable to Fixed Deposits booked under ActivMoney. Bank may at its absolute discretion discontinue/suspend any of the services completely or partially with or without any notice to the customer. The rate mentioned is applicable for Fixed Deposits less than Rs. 2 Crores for a tenure of 180 days and is subject to change without prior notice. For ActivMoney (2 way sweep deposits), Regular Kotak Fixed Deposit rates will be applicable, basis the tenor of the deposit, for all customers including Senior Citizens/Bank Staff without any pre-payment penalty.

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