Kotak Mahindra Bank
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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Kotak Mahindra Bank the way a machine reads it — 3 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Kotak Mahindra Bank scores 31.4/100 (thin), with a separate agent-readiness read of 14/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Kotak Mahindra Bank
Each block below is one kind of artifact we hold for Kotak Mahindra Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 1
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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 Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Kotak Mahindra Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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