Everything You Need to Know About Kotak Solitaire for Business

In May 2025, Kotak Mahindra Bank launched Kotak Solitaire, an exclusive, invite-only premium banking service designed for high-net-worth individuals. This offering is made for customers who maintain a Total Relationship Value (TRV) of ₹1 crore or more in current accounts and ₹75 lakh in savings accounts. Kotak Solitaire Business offers a variety of premium banking features and services designed to support business needs with enhanced convenience, priority handling, and more.

Key Features of Kotak Solitaire Business

• Enhanced Cash Deposit Limit: Deposit up to 10x your average credit balance from the previous month without any extra charges.
• ActivMoney: FD-Like Interest on Unused Funds: Transform idle balances into earnings similar to fixed deposits while keeping full liquidity for withdrawals at any time.
• Free Domestic and International ATM Withdrawals: Receive a zero-fee debit card that allows unlimited free ATM withdrawals across all networks, globally.
• Automated MIS Reports: Schedule automated reconciliation reports to streamline business tracking and accounting.
• 500 Free NEFT/RTGS Transactions Monthly: Conduct up to 500 NEFT or RTGS transactions every month, absolutely free.
• POS & Payment Solutions: Avail two complimentary POS machines and two SoundBoxes, along with a preferential Merchant Discount Rate (MDR).
• Complimentary Business Credit Card: Get a business credit card at no cost to help manage and separate personal and professional expenses. The approval of credit cards is at the sole discretion of the bank.

The complimentary credit card included with the Kotak Solitaire Business Account is the business variant of the newly launched Kotak Solitaire Credit Card. However, not much is known about the card, but it will offer similar benefits like the unlimited domestic lounge access for primary and add-on card holders, and unlimited international lounge access via Priority Pass. 

Opening the Kotak Solitaire Business Account

Kotak Solitaire Business is available exclusively by invitation. Current eligible customers will receive an invitation and can upgrade by submitting a consent and upgrade form. Additionally, you can apply for Solitaire Business through the Kotak website, and the bank will contact you with the details and eligibility requirements. Alternatively, you may visit your nearest Kotak Mahindra Bank branch.

Eligibility Criteria

To qualify for Kotak Solitaire Business, the following conditions must be met:

• Maintain a minimum Total Relationship Value (TRV) of ₹1 crore across accounts with Kotak.
• Hold a current account with Kotak Mahindra Bank.
• Start your Solitaire Business current account with an initial deposit of ₹25 lakh (no AQB required).
• The bank reviews eligibility regularly. If you fail to meet the TRV requirement, you may lose Solitaire benefits after prior notice. In such a case, standard account terms and charges will apply.

What Counts Toward TRV (Total Relationship Value)?

TRV is calculated based on the cumulative value of your relationship with Kotak Bank. It includes:

• Balances in current and savings accounts
• Fixed Deposits held with the bank
• Mutual Fund Holdings through Kotak
• 30% of outstanding approved loans (e.g., Home Loans, Working Capital)
• Life Insurance premiums paid through Kotak Life
• 30% of Demat Holdings with Kotak Securities

Bottom Line

Kotak Solitaire for Business offers exclusive features of Kotak Solitaire Banking for businesses, along with additional perks such as a complimentary business debit and credit card. You can enjoy up to 500 NEFT or RTGS transactions every month, completely free, and more. This facility is available for users who maintain a minimum balance of ₹1 crore with the bank at all times. Failing to do so will result in the loss of Kotak Solitaire privileges. If you are interested, you can visit the bank’s website and apply; the bank will contact you to verify your eligibility.