कोटक महिंद्रा का सोशल सेविंग बैंक खाता

[DevRaj80]

Contents Edited by self so that forum rules may not break .

mods may pls close or delete the thread..

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devraj

[DevRaj80]

Contents Edited by self so that forum rules may not break .

mods may pls close or delete the thread..

sorry for inconvenience

thanks

devraj

[DevRaj80]

Contents Edited by self so that forum rules may not break .

mods may pls close or delete the thread..

sorry for inconvenience

thanks

devraj

[DevRaj80]

Contents Edited by self so that forum rules may not break .

mods may pls close or delete the thread..

sorry for inconvenience

thanks

devraj

[DevRaj80]

Contents Edited by self so that forum rules may not break .

mods may pls close or delete the thread..

sorry for inconvenience

thanks

devraj

[DevRaj80]

What is a Kotak Jifi account?

Jifi is a new age digital account that offers unparalleled convenience. Easy & anytime access, hassle-free transactions and numerous benefits, that is what Jifi is all about. What's more, banking is now social & more rewarding as you can receive banking account updates through Twitter, gain reward points for transacting online and adding friends to your Jifi network.

Jifi has two account variants:
Jifi Saver Jifi
Minimum Balance Requirement INR 10,000 No Minimum Balance
Interest rates offered 5.0% p.a. on balances up to Rs. 1 lac
6% p.a. on balances above Rs. 1 lac NIL
Eligibility Resident Indian Individuals Resident Indian Individuals

One has to be a resident Indian individual to apply for either of the accounts.

[DevRaj80]

What is the minimum balance I need to maintain for the Jifi account?

JIFI Saver: It comes with a minimum balance requirement of Rs. 10,000. The balances you maintain earn you up to 6% p.a. interest

JIFI: JIFI account does not require any minimum balance to be maintained. However, as a part of the activation and the verification process, funding the account with this minimum amount of Rs.5,000 is required, which you can later utilize for online transactions or any other banking needs.

[DevRaj80]

What is ActivMoney? How much interest do I get in it?

The ActivMoney facility helps you convert idle funds above Rs.25,000 (for JIFI) and Rs. 50,000 (for JIFI Saver) in your account by moving it to a term deposit(TD) in multiples of Rs.5,000. This earns a TD rate of interest depending on the tenure. The default tenure booked is 180 days. In case of a shortfall in your account, the amount (in multiples of Rs.5,000) is withdrawn from your TD, thereby giving you the convenience of getting payments processed with ease at all times..

[DevRaj80]

Would I be able to enjoy benefits of the Loyalty Program without a Facebook account?

We're passionate about the social element of banking with Jifi, and hence the loyalty program has been designed to require a login with Facebook.

[DevRaj80]

How can I fund the account?

It surely is an effortless process. You can fund your account online through Net Banking or a Debit Card transaction from your other bank account(s) or handover a cheque to our executive at the time of account opening.
Why do I need to make an Initial Payment if my account does not require a minimum balance, in case of the Jifi variant of the account?

As a part of the activation and the verification process, funding the account with this minimum amount of Rs.5,000 is required, which you can later utilize for online transactions or any other banking needs.

[DevRaj80]

Does the account earn interest?

JIFI Saver: Yes, this account offers you interest on the daily balances maintained in the account.
The rate of interest offered is

Up to 1 lac - 5.0 p.a.
Above INR 1 lac – 6.0 p.a.

JIFI: When your account balance crosses Rs.25,000 and the amount sweeps out towards a Term Deposit (TD), you will earn interest as per the existing term deposit rates as applicable for a 180 days deposit

[DevRaj80]

When will I be eligible for ActivMoney?

JIFI Saver: In case of JIFI Saver, ActivMoney is not active by default. Customers can initiate a request to activate ActiveMoney at the time of account opening or any time post a/c opening.
Post activation, the funds are moved to a Term Deposit, once the balance crosses Rs. 50,000.

JIFI: Once your account balance crosses Rs.25,000/-, funds are automatically moved into term deposits at applicable interest rates, giving high returns on idle money.

[DevRaj80]

How can I apply for a Jifi account?

Simply sign-up through the Facebook or email option available on the home page and complete the online application process to get started.
I don't have a Facebook account – can I still invite myself?

Yes, certainly. You can open a Jifi account and access the dashboard, without a Facebook account too. You can do this through your email id and a password that you need to set for accessing your dashboard.

[DevRaj80]

When would my Jifi account get active?

Once you have filled the online application form, our representative would visit you for completion of documentation formalities. Once that is done, your account would get active.

[DevRaj80]

Which documents (data) do I need to submit to open a JIFI Account?

You need to submit two set of documents.

1. Personal information - To verify your identification details, you need to submit your PAN Card, Aadhar Card or Passport
2. Communication Address - To verify your address, you can submit your home Electricity or Telephone Bill.
In the absence of these documents, other relevant KYC (Know Your Customer) documents will be accepted.
3. In case the communication address is different from the permanent address, Bank shall initiate a address visit to confirm the residence proof.

[DevRaj80]

Hashtag banking
Bank with Kotak using Twitter

Your account balance, mobile & DTH recharge, transaction history, cheque book request and many more activities are now just a tweet away.

[DevRaj80]

What is Hashtag Banking?

Hashtag Banking lets you enjoy instant updates of your bank account through your personalised Twitter handle.
How secure is Hashtag Banking?

Rest assured, every tweet request you send will access your Jifi account details that are safely stored on a highly secured virtual location. After getting the respective information, you will receive a DM (direct message) on your personalised Twitter handle (and not the public domain) with the requested details. In case you have any concern, we are just a tweet, call or post away.

Response is sent from the @kotaksync handle which is automated, with no manual intervention.
Will my transactions be visible to everyone on Twitter?

Rest assured, no one can see your transaction details on Twitter. We send you the requested details via a DM (direct message) on your personalised Twitter handle which is visible to you only.
How do I register for Hashtag Banking?

After activating your Jifi/Jifi Saverbank account, you need to connect your Twitter account through the Jifi dashboard. (Login to www.kotakjifi.com with your credentials and click on the "Hashtag banking" tab. Once, your Twitter account is authenticated, you can tweet to get your bank account details from anywhere, anytime.
Who is eligible for Hashtag Banking?

Any Jifi/Jifi Saver account holder who has a Twitter account is eligible.
What should I tweet to avail Hashtag banking services?

It's easy, just tweet to '@kotakjifi' with the corresponding hashtag for your request (Click here for a list of all available hashtags) and we (@kotaksync) will almost immediately send you a DM (Direct Message) to your personalised twitter handle. Don't forget to follow @kotaksync to enable this feature.

[DevRaj80]

What can I do with Hashtag banking?

There's a plethora of things you can do with this. A tweet is all it takes to get an instant and secure update on your account balance, transaction history, cheque book request, Net Banking PIN request and many more account activities.

What's more, a tweet is all to takes to recharge your mobile or DTH balance.

Click here for a detailed list.
My Twitter account is hacked, how should I stop Hashtag banking service?

Don't panic, login to www.kotakjifi.com go to social banking section and deregister your Twitter account.
Where can I find all the Twitter hashtags?

You will find all your hashtags here.
How can I perform Mobile/ DTH recharge through Hashtag Banking?

Tweet the following to @kotakjifi to enable recharge:

Mobile Recharge: #mobilerecharge <mobile no.> <operator> <amount> @kotakjifi
DTH Recharge: #dthrecharge <dth a/c no.> <operator> <amount> @kotakjifi

You need to mention the mobile no. or DTH account no., operator name and recharge amount, along with KotakJifi handle. (E.g. #mobilerecharge 976939XXXX vodafone 100 @kotakjifi)
Recharge limits are capped at Rs. 500/- max for mobile recharge and Rs.1,000/- for DTH
No. of allowed mobile recharge through Twitter are capped at 10 per month and no. of DTH recharge are capped at 5 per month

[DevRaj80]

Share or transact. Get rewarded for both.

Get Social

Everytime you like or comment on Facebook, we'll reward you with social points. The more social you are, the more points you earn!

Transact & Earn

Every online transaction is rewarding with Jifi. Pay bills, shop online with your favorite partners, to earn transaction points.

Transfer

Eyeing that really great reward voucher for months? Request a friend for points or transfer them to a friend in need. Jifi is the only loyalty program that lets you transfer your points.

Redeem

Redeem reward points instantly, at your favourite shopping or dining destinations

[DevRaj80]

Platinum Debit Card
Own a Platinum Debit Card

It's Platinum, it's yours! Jifi Debit Card comes with a host of premium benefits catered to your taste. A chip based debit card, that offers added security at PoS terminals and gives you a higher withdrawal limit at ATMs.

https://www.kotakjifi.com/images/platinumCard.jpg