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I would recommend to NOT open account with Kotak securities. It is an expensive account, all charges are highest in the categories. One feature which is the worst / not present is that if there is lock-in on your shares, it is not shown on Kotak Securities. If you sell them by chance, you will incur penalties. New platforms like Zerodha will not show those shares as available for trade. On top of that when I wrote to customer care, they sai d it was my fault that I did not know that Yes Bank shares have lock-in. I had to open this account as a company requirement and this penalty was the last nail in the coffin. I would close my account after almost 10 years.