Kotak Bank (New)

Kotak Bank (New) sits in the finance-app space where people check balances, move money and handle routine banking on a phone. By our assessment, it is mainly useful for that narrow banking job, with the usual strengths of a bank app: account access, transfers and the sense that the basics are kept in one place. The trade-off is that this kind of app lives or dies on how neatly it handles everyday tasks, and it usually has little reason to be exciting beyond that. Kotak Bank (New) is not trying to be a general money app or a budgeting toy, just a banking front end, and that keeps it practical but limited.