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I hereby notify you of my decision to terminate the contract relating to the Kotak Mahindra service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Kotak Mahindra: Easy Method
What is Kotak Mahindra
Overview
Kotak Mahindra is a diversified financial services group in India offering banking, insurance, investment and digital account products under various brands such as Kotak 811 and Kotak Life Insurance.
This guide focuses on how to cancel digital subscriptions, bank services and insurance-related products associated with Kotak Mahindra and what to expect after cancellation.
Scope of this guide
The guide covers app-store subscriptions (Kotak 811 mobile app), web/bank product cancellations (credit cards, netbanking, passbook services), and life-insurance policy surrender/contacting Kotak Life Insurance for policy-related cancellations.
Where refunds or timing depend on third parties (Google Play, Apple), that dependence is explained and authoritative Kotak terms are referenced.
How to cancel Kotak Mahindra
Cancel app subscriptions (Android)
- Open Google Play Store on your Android device.
- Tap Menu → Subscriptions → select the Kotak app (e.g., “811 Mobile App”).
- Tap Cancel subscription and follow on-screen prompts to confirm.
Cancel app subscriptions (iOS)
- Open the App Store on your iPhone or iPad.
- Tap your Account → Manage Subscriptions → select the Kotak app.
- Tap Cancel subscription and confirm the cancellation.
Cancel web / bank products (credit card, netbanking, passbook)
- For credit cards: contact Kotak customer-care by phone or submit a written request at a branch, following the bank’s card closure process.
- For netbanking or passbook services: use the online form (if available), call the helpline, or visit a branch to request termination.
- Follow any product-specific instructions provided by the branch or customer service representative.
What happens when you cancel
Access and renewals
Cancellation of app-store subscriptions prevents future renewals but you may retain access until the end of the current paid period.
For bank products, services are typically deactivated after processing; some products require written notice and a notice period before termination is complete.
Data and account status
The bank may retain certain records as required by law and its terms and conditions even after service cancellation.
If a product is fully closed (e.g., account closure), ensure you receive written confirmation and check for any residual fees or obligations.
Will I get a refund?
App-store purchases
Kotak does not publish a separate refund policy for app-store purchases; refunds for in-app or store-billed purchases are governed by Google Play or Apple’s refund procedures.
If you believe a refund is due for an app-store charge, request it through the relevant store (Google Play or App Store); decisions are handled case-by-case.
Web / bank account-based services and insurance
- There is no general statutory 14-day cooling-off or automatic refund right documented across Kotak’s public product terms.
- Specific product clauses apply: for example, if FKYC onboarding fails, Kotak may refund the deposit to the source account without paying interest.
- Refunds for deposits or charges after termination depend on product terms and processing timelines; ask the branch or customer service for the applicable policy.
Kotak Mahindra plans and pricing
Pricing summary
Below are representative fees associated with Kotak 811 account variants and card issuance as publicly listed. These reflect account or card charges, not app-subscription pricing.
| Plan | Price | Period | Features |
|---|---|---|---|
| Kotak 811 Current Account - Digital Variant | ₹200.00 | Monthly | Subscription charges for digital 811 Current Account |
| Kotak 811 Edge Savings Account - Platinum Debit Card | ₹399.00 | Annual | Issue of Platinum debit card for 811 Edge account |
| Kotak 811 Edge Savings Account - Platinum Debit Card (BankBazaar listing) | ₹150.00 | Annual | Alternative listing for Platinum Card annual fee |
Your consumer rights in India
Termination notice and specific product rules
Certain Kotak products require written notice to terminate; for example, some mutual-fund-like services require notice and allow the bank seven working days to effect termination.
On termination, funds or units are returned after deduction of any dues according to product terms.
Refunds, FKYC and statutory rights
- If onboarding fails due to incomplete or inaccurate documents (FKYC not completed), the bank may cancel the CRN and refund deposits to the source account without interest (per Kotak 811 terms).
- Kotak’s public terms do not document a general 14-day statutory refund right; any cooling-off rights depend on the specific product and applicable regulations.
- App-store refunds are handled by Google or Apple, not by the bank.
Customer experiences
Positive feedback
Some customers report that the Kotak 811 app is easy to use and praise branch staff support and mobile features.
Positive reviews highlight helpful in-branch assistance and straightforward digital onboarding for some users.
Negative feedback
Many reviewers on public platforms report issues such as slow customer service, unexpected fees, app glitches and abrupt credit-limit changes without clear communication.
Complaints also include delays in response and difficulties resolving disputes, as reflected on public review sites.
See public review pages for user-submitted experiences: TrustPilot reviews and SiteJabber reviews.
Documentation checklist
For app-store subscription cancellations
- App store account credentials (Google or Apple ID).
- Transaction details or receipt for subscription charges.
For bank product / insurance cancellations
- Account number / CRN / policy number.
- Valid photo ID (Aadhaar, PAN, passport) and address proof.
- Signed written request or completed cancellation form, if required.
- Original debit/credit/insurance documents and copy of any bank statements showing charges to be refunded (if applicable).
Common mistakes
Assuming immediate refunds
Many customers expect immediate refunds after cancellation; in reality, refunds depend on product terms and third-party policies (Google Play / Apple).
Example: cancelling an app subscription stops renewal but does not automatically trigger a store refund.
Not obtaining written confirmation
Failing to get written or email confirmation of cancellation can cause disputes later if charges continue.
Always ask for and keep a closure reference number, stamped branch receipt, or confirmation email.
Comparative recap
Quick comparison of cancellation routes
| Method | Ease | Refund likely? | Typical time to effect |
|---|---|---|---|
| Google Play (Kotak 811 app) | Easy - user-controlled in Play Store | Refund via Google Play only; case-by-case | Immediate stop to renewals; access until period end |
| App Store (iOS) | Easy - user-controlled in App Store | Refund via Apple only; case-by-case | Immediate stop to renewals; access until period end |
| Branch / Customer-care (credit card, accounts) | Moderate - may require visit or written request | Possible, as per product terms; not automatic | May take several working days; some products require 7 working days |
| Life insurance surrender | Requires formal surrender request | Subject to policy terms (possible surrender value after deductions) | Processing timelines vary; check policy terms and service desk |
After cancelling
Follow-up actions
Keep written confirmations and monitor your bank statements for unexpected charges after cancellation.
If charges persist, contact Kotak customer-care and supply cancellation proof; escalate with a written complaint if unresolved.
Helpful links and contacts
Refer to Kotak terms and product pages for official procedures and terms:
- Kotak 811 terms and conditions
- Kotak Cherry - product termination terms
- Kotak Bank - general terms & conditions
Address
Kotak Life Insurance client service
Client Service Desk, Kotak Mahindra Old Mutual Life Insurance Ltd., 7th Floor, Zone 4, Kotak Infiniti Building No. 21, Infinity Park, Off Western Express Highway, General A K Vaidya Marg, Malad East, Mumbai - 400097, India.
How to send surrender or written requests
For policy surrender or insurance document submissions, send a signed written request to the Client Service Desk address above and retain proof of dispatch.
If you need product-specific mailing instructions, confirm with Kotak customer service or your policy documents before sending.