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Full detail: Where this data comes from
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 corporate banking API stack.
The platform publishes 39 API products across 6 categories (harvested from the portal's own public catalog at https://api.kotak.bank.in/mapping/):
| Category | Products |
|---|---|
| Account Services | Balance Enquiry, Account Statement |
| Payment Services | 24x7 payments (NEFT/RTGS/IFT), CMS Bulk Payments, Corporate Remittance (IMPS), Name Enquiry, NEFT-RTGS credit status, Merchant cashback (UPI pay) |
| Collection Services | UPI Web Collect, UPI Autopay, UPI manual refund, Merchant VPA verify, E-collection virtual accounts, NACH physical/e-mandate/Aadhaar e-mandate, BBPS agent + biller integration, direct debit queryback |
| Trade Finance | Import/export Letters of Credit, Standby LCs, Bankers Guarantees, Collections, Inward/Outward Remittance, Shipping Guarantee, Documents Upload, Finance Standalone, Miscellaneous |
| Onboarding | Application, Dedupe, Offers, OTP |
| Authorization Services | OAuth 2.0 access token |
Access is aimed at fintechs, ERP providers, and NBFCs via the Connected Banking partner program.
- Public: the product catalog (including a machine-readable JSON catalog), category descriptions, FAQ, support desk, and API Terms of Use.
- Gated (registration + corporate-domain email + login): API specifications, the integrated sandbox testing environment, and per-product downloadable integration kits.
Kotak publishes no public OpenAPI/Swagger description, error reference, rate-limit documentation, versioning or deprecation policy, idempotency contract, API status page, changelog, CLI, SDKs, MCP server, or vulnerability-disclosure program as of 2026-07-19.
well-known/kotak-api-catalog.json— the harvested machine-readable API catalogwell-known/kotak-well-known.yml—/.well-known/probe indexauthentication/kotak-authentication.yml— OAuth 2.0 profileconventions/kotak-conventions.yml— cross-cutting semantics (and the documented gaps)conformance/kotak-conformance.yml— UPI / NACH / BBPS / IMPS / NEFT-RTGS scheme conformancesandbox/kotak-sandbox.yml— integrated sandbox posturepackages/kotak-packages.yml— registry sweep (no first-party SDKs found)security/kotak-domain-security.yml— TLS/HSTS/DNSSEC/CAA/SPF/DMARC probellms/kotak-llms.txt— agent-facing index
Backed by: norwest-venture-partners — https://kotak.com