Refund Issues

Refund - Before Card Issuance

1. Refund for Failed FD Creation 

Step 1: Verify Status and Timeline

• Acknowledge the customer’s concern about the debited amount and the failed FD creation.

• ACTION: Verify in METABASE or Onboarding Link that the FD creation failed and that the refund is still within the 5–7 working day TAT.

Step 2: Communicate the Automatic Refund

• Reassure the customer that their money is completely safe.

• Inform the customer that a full refund has been automatically initiated by the bank/payment system.

Step 3: State the Timeline and Check Location

• Provide the TAT: Inform the customer that they can expect the amount to be credited back to their original source bank account within 5–7 working days.

• Crucial Note: Instruct the customer that the refund will appear on their bank statement only, not in the super.money app.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out to us. We understand that your Fixed Deposit payment was debited, but the Kotak 811 super.money credit card could not be booked.

We apologize for the inconvenience. Please be assured that your money is completely safe.

A full refund has been automatically initiated due to the failure in booking the deposit. You can expect the amount to be credited back to your original source bank account within 5–7 working days.

Important: Please check your bank statement for the refund, as it will not appear in your super.money app history.

If you do not receive the refund within the TAT, you can reach out to Kotak Mahindra Bank support.

Thank you for your patience.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Refund Issues

• L3: FD Creation Failed - Refund Awaited

2. Refund for Failed FD Creation (Post-TAT)

Step 1: Verify Status and Timeline Breach

• Acknowledge the customer's frustration regarding the delay.

• Verify in [Link] that the FD creation failed and that the standard refund TAT (5-7 working days) has been breached.

Step 2: Communicate the Final Escalation Path (To Bank)

• Reassure the customer that their money is safe.

• Inform the customer that since the timeline has been breached, the issue must be taken up directly with Kotak Mahindra Bank, as they control the refund and settlement process.

Step 3: Provide Mandatory Contact Details

• ACTION: Provide the customer with the official Kotak Bank contact information for card services and disputes.

  • Email ID:  customersupport@kotak.com

  • Kotak Credit Card Helpline Number: 1800 4100

Step 4: Post-TAT Follow-up

• Agent Note: Advise the customer to mention their transaction details (UTR/Reference ID) when contacting the bank to ensure a quick manual review.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We sincerely apologize that your refund for the failed Fixed Deposit has not been credited, as the standard timeline (5-7 working days) has now been breached.

Please be assured that your money is safe. Since this is a bank settlement issue, you must contact Kotak Bank directly for an immediate resolution.

Please provide them with your transaction details using the following contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your continued patience.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Refund Issues

• L3: FD Creation Failed - Refund TAT Breached

3. VKYC Failed/ Did Not Complete the VKYC within 72 Hours/ Physical PAN not available/ Do not want to complete the VKYC.

Step 1: Verify FD & VKYC Status

• Access the [METABASE] to check the customer's application status.

• Validate that the Fixed Deposit (FD) has been successfully created.

• Check the status of the VKYC to confirm if it is incomplete or has failed.

Step 2: Communicate the Outcome & Timeline

• Inform the customer that their Kotak 811 super.money credit card application will be rejected automatically if they do not complete the VKYC within 16 hours of the FD creation.

• Explain the refund timeline clearly: The refund will be initiated after the 16-hour period and will be credited to their source account within 24 Hours.

Email Template:

Dear [Customer Name],

Thank you for reaching out to us. We have checked your application status and see that your Fixed Deposit was successfully created.

As a mandatory step, you must complete the Video KYC (VKYC) within 16 hours of creating your FD. If your VKYC is not completed within this timeframe, your Kotak 811 super.money credit card application will be automatically rejected.

Once the application is rejected, the refund for your FD of [amount] will be initiated. You can expect the amount to be credited to your source account within 24 hours.

We appreciate your understanding.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Refund Issues

• L3: Refund Awaited - VKYC Failure

4. VKYC Failed/ Did Not Complete the VKYC within 72 Hours/ Physical PAN not available. (Post 72 hours of Application)

Step 1: Validate Failure and Timeline Breach

• Acknowledge the customer's continued frustration regarding the refund delay.

• VERIFY: Confirm the application status is 'Rejected' (due to VKYC failure/timeout/physical PAN unavailability).

• CRITICAL VALIDATION: Confirm that the time since the 16-hour VKYC deadline has passed, plus the standard refund processing time, has exceeded by at least 24 hours.

Step 2: Communicate Final Escalation Path

• Reassure the customer that their money is safe.

• Inform the customer that since the timeline is breached, the issue must be taken up directly with Kotak Mahindra Bank, as they control the refund and settlement process.

Step 3: Provide Mandatory Contact Details

• ACTION: Provide the customer with the official Kotak Bank contact information for credit card services.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We sincerely apologize that your refund for the failed VKYC application has not been credited, even after the expected timeframe.

Please be assured that your money is safe. Since this delay is now beyond our processing period, you must contact Kotak Bank directly for an immediate resolution.

Please provide your transaction details (FD Reference ID) to them using the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your continued patience.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Refund Issues

• L3: Refund TAT Breached - VKYC Failure

5. FD Payment Refund (Application Expired / Soft Rejected)

• Trigger Condition: Customer reports not receiving a refund after their Fixed Deposit (FD) payment failed due to Application Expired or Soft Rejected status.

• Verify in METABASE if the Application is Expired or Rejected

• Agent Role: No manual intervention or ticket escalation is required.

• Action:

  1. Inform the customer that Kotak Bank automatically initiates the refund to their source bank account within 24 hours.

  2. Advise the customer to check their detailed source bank statement/passbook.

  3. If the amount is still not reflected after checking the statement, direct them to contact Kotak Mahindra Bank support directly.

Customer Email Template

Dear [Customer Name],

Thank you for reaching out to super.money support.

We understand you are inquiring about the refund for your Fixed Deposit (FD) application, which was marked as Expired / Soft Rejected.

Refund Processing Details:

• Automated Refund: For expired or soft-rejected FD applications, our partner bank (Kotak Mahindra Bank) automatically initiates a full refund to your original source bank account within 24 hours.

• Bank Statement Verification: Please check your source bank account statement or passbook directly, as SMS alerts for refund credits may occasionally be delayed.

Next Steps:

If the refunded amount does not reflect in your source bank account statement after 24 hours, please contact Kotak Mahindra Bank Customer Support directly for tracing and resolution:

• ? Helpline: 1860 266 2666 / 1800 4100

• ? Email: customersupport@kotak.com

Please keep your Application ID and transaction details handy when reaching out to them.

Warm regards,

super.money Support Team

Freshdesk Tagging

• L1: Kotak - FD - Refund - Before Issuance

• L2: Application Rejected

• L3: Within TAT

Refund - Post Card Issuance

1. Card Closure - FD Refund Awaited/TAT Breached

Step 1: Verify Closure and Status

• ACTION: Access the [Link] to confirm the Kotak 811 super.money credit card is marked as "Closed."

• VALIDATE: Check the system for the FD Withdrawal Initiation Date.

Step 2: Communicate Refund Timeline

• Reassure the customer that the refund is automatically initiated upon card closure.

• Provide the timeline: Inform the customer that the refund amount will be credited to their source bank account within 7 working days from the date the withdrawal was initiated.

Step 3: Post-TAT Follow-up

• If the customer contacts support after the 7 working days period has passed, redirect the customer to Kotak Mahindra Bank Support Team.

  • Email ID:  customersupport@kotak.com

  • Kotak Credit Card Helpline Number: 1800 4100

Example Template Within TAT

Dear [Customer Name],

Thank you for confirming your card closure. We understand you are waiting for your deposit refund.

We can confirm your Kotak 811 super.money credit card has been successfully closed, and your Fixed Deposit amount of [amount] has been automatically processed for withdrawal.

You can expect the full amount to be credited to your source bank account within 7 working days.

We appreciate your patience.

Best regards,

super.money Support Team

Example Template TAT Breached

Dear [Customer Name],

Thank you for reaching out. We sincerely apologize that your deposit refund has not been credited, as the timeline for this process has now been breached.

Please be assured that your money is safe. Since this delay is now beyond our processing period, you must contact Kotak Bank directly for an immediate resolution.

Please provide your transaction details/CRN to them using the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your patience while the bank resolves this delay.

Best regards,

super.money Support Team

Freshdesk Taggings Within TAT

• L1: Card - Kotak

• L2: Refund Issues

• L3: Card closed but FD not yet received

Freshdesk Taggings Post TAT

• L1: Card - Kotak

• L2: Refund Issues

• L3: Refund TAT Breached - Card Closure

2. Refund for Failed Deposit to Increase Credit Limit

Step 1: Verify Failure and Status

• Acknowledge the customer’s concern about the missing deposit and the debited amount.

• ACTION: Verify in the METABASE/Screenshot that the payment was debited but the deposit booking failed (i.e., the credit limit was not increased), and that the issue is within the 3 working days TAT.

Step 2: Communicate the Automatic Refund

• Reassure the customer that their money is completely safe.

• Inform the customer that a full refund will be automatically initiated by the bank/payment system due to the booking failure.

Step 3: State the Timeline and Check Location

• Provide the TAT: Inform the customer that they can expect the amount to be credited back to their original source bank account within 3 working days.

• Crucial Note: Instruct the customer that the refund will appear on their bank statement only, not in the super.money app.

Agent Communication Template(Within TAT)

Dear [Customer Name],

Thank you for reaching out to us. We understand that your payment was debited, but your credit limit has not increased.

We apologize for this technical issue. Please be assured that your money is completely safe. A full refund will be automatically initiated, and you can expect the amount to be credited back to your Kotak 811 Savings account within 3 working days.

Important: Please check your bank statement for the refund, as it will not appear in your super.money app history.

Thank you for your patience.

Best regards,

super.money Support Team

Agent Communication Template(Post TAT)

Dear [Customer Name],

Thank you for your continued patience. This is regarding the payment made to increase your superCard credit limit, which was debited from your account but did not result in a limit increase.

We sincerely apologise that the standard refund timeline has been exceeded and you have not yet received the credit in your account.

As you have not received the refund, we request you to contact Kotak Mahindra Bank directly to track the status of this reversal.

Please contact Kotak Mahindra Bank support on number 1860 266 2666 with the following details to expedite your request:

• Transaction Date: [Date]

• Transaction Amount: [Amount]

• Bank RRN/UTR Number: [Number]

Please Note: The refund will reflect directly on your bank statement. It will not appear in your super.money app history as the transaction was handled as a bank-to-bank reversal.

We understand this is frustrating and appreciate your understanding while you coordinate with your bank to resolve this.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Credit Limit Issues

• L3: Increasing Limit Issues

3. Successful Deposit, Limit Not Increased

Step 1: Verify Deposit Location

• ACTION: Check the METABASE to determine the source of the deposit.

  • If the deposit was made via a general FD option: Inform the customer of the error and advise them to use the specific 'Increase Limit' option within the Kotak 811 super.money card management section for future deposits. (No escalation needed for the current issue, as it's user error).

  • If the deposit was made via the correct 'Increase Limit' option: Proceed to Step 2, as this might be a technical error.

Step 2: Communicate the Timeline

• Provide the TAT: Advise the customer that it might take upto  24 hours for the limit to increase.

• If the TAT is breached, redirect the customer to the Kotak Mahindra Bank Support Team.

  • Email ID:  customersupport@kotak.com

  • Kotak Credit Card Helpline Number: 1800 4100

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We apologize that your credit limit has not yet been updated after your successful deposit.

We have confirmed your payment, and you can expect your credit limit to be updated within 24 hours. You can keep checking your super.money app to check the increased credit limit.

If the limit is not increased within 24 hours, you can contact Kotak Mahindra Bank on the below details:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Credit Limit Issues

• L3: Increasing Limit Issues

4. Merchant/Third-Party Refund Process for Kotak 811 CC

Step 1: Acknowledge and Explain the Two-Part Flow

• Acknowledge the customer’s request.

• Clarify that a merchant refund is a two-step process: the merchant initiates it, and then the bank processes it. The delay is usually with the merchant or the initial settlement.

Step 2: Communicate the Final Timeline and Location

• Reassure the customer that the funds are safe.

• Provide the TAT: Inform the customer that once the merchant confirms they have processed the refund, it takes an additional 3 working days for the amount to settle and reflect on their Kotak 811 super.money Credit Card limit.

• Crucial Note: Advise the customer that if they want a status update now, they must contact the merchant directly to get the refund reference number.

Step 3: Set Next Step Expectation

• Advise the customer to contact support only if the refund has not been reflected after the 3 working day timeline has passed.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We understand you are waiting for a refund to reflect on your Kotak 811 SuperMoney Credit Card.

The refund process is dependent on the merchant's timeline. Once they process it, the bank needs time for final settlement.

• Status: We can confirm the amount will be automatically settled.

• Timeline: Please allow up to 3 working days from the date the merchant processed the refund for the amount to reflect on your credit card limit.

For an immediate update on the status of your refund initiation, we recommend contacting the merchant directly.

We appreciate your patience.

Best regards,

super.money Support Team

Agent Communication Template (Post TAT)

Dear [Customer Name],

Thank you for reaching out. We sincerely apologize that your refund is still not reflecting on your credit card, as the standard processing time has now been breached.

Please be assured that your funds are safe. You must contact Kotak Bank directly for an immediate resolution. They have the necessary tools to trace the amount.

Please provide them with your transaction details (UTR/Reference ID) using the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your patience while the bank resolves this critical delay.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Transactions

• L3: Third-party refund/reversal

Freshdesk Taggings Post TAT

• L1: Card - Kotak

• L2: Transactions

• L3: Third-party refund/reversal - TAT Breached

6. Failed Transaction - Money Debited (Card)

Step 1: Acknowledge and Verify Status

• Acknowledge the customer's concern about the failed transaction and the debited amount.

• ACTION: Verify in the METABASE(if UPI) that the transaction status is 'Failed' and that the refund is still within the 3 working day TAT.

Step 2: Communicate the Automatic Refund

• Reassure the customer that the money is completely safe.

• Inform the customer that the bank automatically initiates a refund for failed transactions.

Step 3: State the Timeline and Check Location

• Provide the TAT: Inform the customer that the refund will be credited back to their card account within 3 working days.

• Crucial Note: Instruct the customer that the refund will appear on their credit card statement only, not in the Super.money app.

• If TAT is breached: Inform the customer that since the timeline has been breached, they must now take up the issue directly with Kotak Mahindra Bank.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We apologize that your transaction failed, but the amount was debited from your card.

Please be assured that your money is completely safe. The bank automatically initiates a refund for failed transactions. You can expect the amount to be credited back to your card account within 3 working days.

Thank you for your patience.

Best regards,

super.money Support Team

Agent Communication Template (Post TAT)

Dear [Customer Name],

Thank you for reaching out. We sincerely apologize that your refund for the failed transaction is still not reflecting, as the standard processing time of 3 working days has now been breached.

Please be assured that your funds are safe. You must contact Kotak Mahindra Bank directly for an immediate resolution. They have the necessary tools to trace and manually credit the amount.

Please provide them with your transaction details (UTR/Reference ID) using the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your patience while the bank resolves this critical delay.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Transactions

• L3: Failed Transaction

7. Pending Transaction - Money Debited (Card)

Step 1: Communicate Initial Timeline (< 48 hrs)

• Acknowledge the customer's concern about the pending transaction.

• Inform the user that they must wait for 48 hours for the transaction to either be marked Successful or Failed (which triggers an automatic refund).

• Advise the customer to check the app's history tab for updates.

Step 2: Post-TAT Breach Action (> 48 hrs)

• ACTION (If 48 hours TAT is breached): If the customer contacts you and the transaction is still pending after 48 hours, the issue is now at the bank settlement level.

• Redirection: Inform the customer that they must contact Kotak Mahindra Bank directly for immediate status investigation.

• Provide Contact Details: Share the official Kotak Bank contact information.

Agent Communication Templates (Within 48 hrs)

Dear [Customer Name],

Thank you for reaching out. We apologize that your transaction is currently pending.

Please wait for 48 hours for the transaction to be updated by the bank. It will either be marked as successful (credited to the receiver) or failed (and automatically refunded).

We appreciate your patience.

Best regards,

super.money Support Team

Agent Communication Templates (Post 48 hrs)

Dear [Customer Name],

Thank you for your follow-up. We apologize that your transaction is still pending after 48 hours.

Since the transaction is now beyond the standard processing window, you must contact Kotak Bank directly for an immediate status investigation. They have the necessary tools to trace the transaction in real-time.

Please provide them with your transaction details using the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Transaction

• L3: Pending Transaction

8. Card Closed Without Consent

Step 1: Acknowledge and State Policy

• Acknowledge the customer’s serious concern about the unexpected card closure.

• Inform the customer that the card can only be closed automatically due to bank policy violations. The most probable reason is non-repayment (reaching 60 Days Past Due - DPD).

Step 2: Communicate Final Escalation Path

• CRUCIAL: Inform the customer that the exact, official reason for closure is held by the bank. They must contact Kotak Mahindra Bank directly for a full statement and investigation.

Step 3: Provide Mandatory Contact Details

• ACTION: Provide the customer with the official Kotak Bank contact information for credit card services.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out to us. We understand your serious concern regarding the unexpected closure of your credit card.

We want to clarify that the card is only closed automatically if a policy violation occurs, such as non-repayment for 90 days Past Due (DPD) or your balance exceeding a percentage of your fixed deposit.

To obtain the official and exact reason for the closure, you must contact Kotak Bank directly.

Please use the following official contact information:

• Email ID:  customersupport@kotak.com

• Kotak Credit Card Helpline Number: 1800 4100

We appreciate your understanding in this serious matter.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Card Closure

• L3: Card Closed Without Consent

9. Card Closed - Bill Payment Made After Closure

Step 1: Verify and Escalate for Refund

• Acknowledge the customer's concern about the payment.

• Verify that the payment date was after the official card closure date.

Step 2: Communicate the Refund Flow and TAT

• Inform the customer that the funds will be automatically rejected by the closed card and converted to a refund.

• Provide the TAT and Destination: Inform the customer that the excess refund amount will be credited back to their Kotak 811 savings account within 2–3 working days.

Step 3: Post-TAT Breach Action

• ACTION (If TAT is breached): If the customer contacts support after the 3 working days, they must contact Kotak Bank Customer Support directly for tracing and resolution, as the funds are now within the bank's system.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We apologize for the inconvenience; we see that you made a payment to your Utkarsh SuperCard after the account was closed.

We have successfully notified the bank to intercept your payment. The excess amount will be refunded directly to your Kotak 811 savings account within 2–3 working days.

If you do not see the refund after this period, please contact Kotak Bank Customer Support directly for assistance.

We appreciate your patience.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Refund Issue

• L3: Bill Payment to closed Card

10. Card Closed - Merchant Refund Awaited/Success

Step 1: Verify Closure and Refund Policy

• Acknowledge the customer's concern about the missing refund.

• Confirm that the card is marked as "Closed" in METABASE and the refund source is a merchant.

• Inform the customer that since the card is closed, the bank will automatically intercept the refund and redirect it to the linked Kotak 811 Savings Account.

Step 2: Communicate Initial Timeline

• ACTION: Inform the customer that the automatic refund process typically takes 3–4 working days for the amount to settle in the bank's system. To be safe, advise the customer to wait for 5 working days.

• Crucial Note: If the customer has a Refund Reference Number (RRN) from the merchant, they should keep it handy.

Step 3: Post-TAT Breach Action

• ACTION (If 5-Day TAT is breached): If the customer contacts support after 5 working days, the issue is now a bank settlement failure.

• Redirection: Inform the customer that they must contact Kotak Bank Customer Support directly for tracing.

• Communication: Advise the customer to mention the Refund Reference Number (RRN) to the bank to expedite tracing.

Agent Communication Template

Dear [Customer Name],

Thank you for reaching out. We see that your Kotak 811 super.money credit card is closed, and you are waiting for a merchant refund.

Please be assured that your funds are safe. Since your card is closed, the bank will automatically redirect the refund to your Kotak 811 savings account.

You can expect the refund to be credited within 5 working days.

If you do not see the refund after this period, you must contact Kotak Bank Customer Support directly for tracing and resolution. Please share your Refund Reference Number (RRN) with them.

Thank you for your patience.

Best regards,

super.money Support Team

Freshdesk Taggings

• L1: Card - Kotak

• L2: Transactions

• L3: Third-party Refund Reversal

FD Amount Not Received Post Withdrawal

• Trigger Condition: Customer reports that their Fixed Deposit (FD) withdrawal request shows as completed/processed, but the payout amount has not been received.

• Agent Role: No manual intervention or ticket escalation is required.

• Action:

  1. Advise the customer to check their Kotak 811 bank account balance and detailed statement, as FD withdrawal proceeds are credited directly to their registered Kotak account.

  2. If the amount is still not reflected in their Kotak 811 account, direct them to contact Kotak Mahindra Bank support directly.

Customer Email Template

Dear [Customer Name],

Thank you for contacting super.money support.

We understand you are reaching out regarding your Fixed Deposit (FD) withdrawal payout.

Where to check for your payout:

Upon completing an FD withdrawal, the redeemed funds are credited directly to your linked Kotak 811 savings account.

1. Please log in to your Kotak Mobile Banking App or NetBanking.

2. Check your main Kotak 811 account balance and detailed transaction statement for the credit entry.

Next Steps:

If the withdrawal amount is still not reflecting in your Kotak 811 account statement, please contact Kotak Mahindra Bank Customer Support directly so their team can trace the internal ledger transfer:

• Helpline: 1860 266 2666 / 1800 4100

• Email: customersupport@kotak.com

Please keep your Kotak 811 Account Number or CRN handy when contacting them.

Warm regards,

super.money Support Team

Freshdesk Tagging

• L1: Kotak - FD - Refund - After Issuance

• L2: Partial FD Withdrawal Refund

• L3: Within TAT

Unable to Withdraw FD – Error (Account/Card Blocked)

• Trigger Condition: Customer receives an error while attempting to withdraw their Fixed Deposit (FD), indicating that their Kotak account or card is blocked/restricted.

• Agent Role: No manual intervention or ticket escalation is required.

• Action:

  1. Inform the customer that the withdrawal failure is due to an active block or freeze on their Kotak bank account/card.

  2. Advise the customer to contact Kotak Mahindra Bank Customer Support directly to request manual liquidation of their funds.

Customer Email Template

Dear [Customer Name],

Thank you for reaching out to super.money support.

We see that you encountered an error while attempting to withdraw your Fixed Deposit (FD).

Reason for Withdrawal Failure:

This error occurs when there is an active administrative or security block placed on your linked Kotak Mahindra Bank account or credit card. Because the underlying account is restricted, automated in-app payouts cannot be processed.

Next Steps:

To unblock your account or request a manual liquidation of your FD funds, please contact Kotak Mahindra Bank Support directly:

• ? Helpline: 1860 266 2666 / 1800 4100

• ? Email: customersupport@kotak.com

Once Kotak Bank assists you in resolving the account block or manually processing the payout, your funds will be credited directly to you.

Warm regards,

super.money Support Team

Freshdesk Tagging

• L1: Kotak - FD

• L2: FD Withdrawal

• L3: Unable to Withdraw FD