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Get the Smart suite edge

Our Smart suite of products are built to give you an extra edge with loans, equity and credit solutions.

Smart products are available to Privy League Optima and Insignia customers


  • Smart Equity

    With the help of Trinity account, an integrated 3-in-1 account, place after market orders, access research reports and do more. Some unique benefits you enjoy as a Smart Equity customer are:


    • Preferential brokering rates offered by Kotak Securities Ltd.

    • Hassle-free money transfer between your Online Trading and Savings Account

    • Online trading as well as call and trade

    • SMS alerts for stock updates and trades

    • Research reports on market fundamentals, technical analysis and derivative trading among others

    • Dedicated dealers

    • ODIN terminals and KEAT for trading

    The above features are extended by Kotak Securities Ltd, a Kotak Group Company

  • Smart Overdraft

    This is an unsecured overdraft limit that is customised based on your needs and specific requirements. The facility gives an overdraft limit of up to 4 times the gross salary* for salaried individuals. This is a zero collateral overdraft which enables you to pay interest only on the utilised amount.


    *Conditions Apply

  • Smart Home

    This is a unique home loan where up to 30% of the loan amount is disbursed as an overdraft and the balance 70% as a term loan. Excess funds lying in your Savings Account over a threshold are automatically transferred to the Overdraft Account to help you save on your home loan. If you have further surplus funds, they flow into term deposits of 180 days, thereby offering you better returns on your money. This account gives you the flexibility to withdraw funds at will and you pay interest only on the overdraft utilised. The interest charged on the term loan as well as the overdraft are considered expenses under section 24 of the Income Tax Act.

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