Sr No Product Offering

"NACH-NPCI initiative with an end objective of consolidating the current

multiple ECS systems and remove local barriers / inhibitors by
standardization.
Mandate needs to be provided in the NPCI approved format only
"

2 E-NACH -Debit Card or NetBanking Channel

3 QuickCheck- ENACH mechanisum to check mandate details

4 Payment Gateway

Cheque printing
5

Electronic Collections (Virtual Account)

6

7 CMS NetIT with API Integration

7 CMS NetIT with API Integration

8 Penny Drop Facility

Features Capex in Rs Opex In Rs
One Time Setup Cost 25000
Per mandate registration cost: Rs.25
25
Per ACH debit transaction cost: 10

Courier and Logistics charges as per actuals

Actuals
One Time Integration Rs.1,50,000
eMandate Service 5 Per Transaction
Mandate Registration 20 Per Transaction
ACH Debit Transaction Charges 5 Per Transaction
Return Charges (Only for insufficient funds) 50 Per Transaction
SMS Alerts charges 0.50 Per Alert
One time setup Cost Rs.1,00,000
Mandate Validation Charges 5 Per Transaction
ENACH and NACH Sponsorship pricing Standard Pricing
Std integration Charges (One time Setup Charges) 50,000
Annual Maintenance Charges (AMC) 10,000
Debit Card (< INR 2000) 0.00%
Debit Card - *Small Merchants (> = INR 2000) 0.40%
Debit Card - *Other Merchants (> = INR 2000) 0.90%
Credit Card ( VISA/MASTER/RuPay) 1.75%
Credit Card(Amex/Dinners/Others) 2.60%
Net Banking - All Other Banks 1.00%
NetBanking - SBI 1.60%
NetBanking -ICICI Bank 1.60%
NetBanking -HDFC Bank 1.60%
NetBanking -Axis Bank 1.60%
Wallets 2.20%
Transaction cost per UPI transaction 0.30%
CMS Setup charges 15000
Cheque printing at Kotak Location 10
Cancellation/Stop payment charges 100
CMS Setup Charges Rs.15,000
Virtual Account Creation Charges 5 Per Account
Transaction Charges 3 Per Transaction

Standard Charges 1,25,000

IFT(Fund transfer within Kotak bank) 0
NEFT Rs.3
RTGS Rs.3
IMPS(Txn Value < Rs 25000) Rs.5
IMPS(Txn Value > Rs 25000) Rs.10
One Time Setup Cost 150000

Per Transaction Cost

5 per transaction
125

660