“No, no, no.” He refreshed the app. Same red banner. Tried the ATM? Transaction declined. Tried UPI? Account restricted.
He called Kotak Mahindra’s customer care. Robotic voice: “Your wait time is… 18 minutes.” He couldn’t wait 18 minutes. He grabbed his laptop and drove straight to the nearest branch, still in his hoodie and slippers. how to unblock kotak mahindra bank account
“My account is blocked. I don’t know why. I haven’t done anything wrong.” “No, no, no
Here’s what actually worked, written in the back of an envelope he still keeps in his wallet: Transaction declined
Within 2 hours, he got an SMS: “Your account restrictions have been removed. Please change your net banking password.” The relief — 11:02 AM
The manager, Mr. Suresh, didn’t even look up. “Sir, have a seat. What’s the issue?”