Kotak mahindra have phone banking, it have internet banking, it have atm but all of them leaving atm are slow in service thats why everyone kind a hate this bank. but if we look at other side we find the schemes and services provided by kotak mahindra bank is very good and many of us are using those schemes. yes service is slow and takes time or I must response is slow which is not accaptable in present time. Customer service is efficient but not that efficient. The things I like about this bank are schemes and service.