# Kotak Mahindra Bank

**Canonical:** https://apis.io/providers/kotak/  
**Website:** https://kotak.com  
**APIs profiled:** 1

Kotak Mahindra Bank Limited is an Indian private-sector bank headquartered in Mumbai, and the first non-banking finance company in India to convert into a full commercial bank. Alongside retail, corporate, and NRI banking it operates the Kotak API Platform (api.kotak.com), an enterprise open-banking developer portal offering a curated stack of corporate banking APIs across six product categories — Account Services (balance enquiry, account statement), Payment Services (24x7 NEFT/RTGS/IFT, CMS bulk payments, corporate IMPS remittance, name enquiry, UPI merchant cashback), Collection Services (UPI web collect and autopay, e-collection virtual accounts, NACH physical/e-mandate/Aadhaar e-mandate, BBPS agent and biller integration, direct debit queryback), Trade Finance (import/export letters of credit, standby LCs, bankers guarantees, collections, inward/outward remittance, shipping guarantee, document upload), Onboarding (application, dedupe, offers, OTP), and Authorization Services (OAuth 2.0 access tokens). The platform is aimed at fintechs, ERP providers, and NBFCs through its Connected Banking partner program, and pairs an integrated sandbox testing environment with per-product documentation and downloadable kits that are released after developer registration and login.

## Kin Score — 27.2 / 100 (thin)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-0.7 from 27.9).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 52.4 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Requires approval — onboarding: approval, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Kotak API Platform** — The Kotak Mahindra Bank enterprise open-banking API platform. A curated corporate banking API stack of 39 published API products across six categories — Account Services, Paymen...

## Security (2)

- **Kotak Authentication** — oauth2 · 1 scheme
- **Kotak Domain Security** — TLSv1.2 · HSTS · DNSSEC · DMARC

## Tags

Company, Banking, Financial Services, Open Banking, Payments, Collections, Trade Finance, Corporate Banking, India, UPI

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kotak/). Scores are computed from the provider's own public artifacts under a published rubric.