How to convert OD amount to EMIs?
I want to convert my digital OD amount into EMIs with Kotak Mahindra Bank.
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Advocate By LEAD INDIA
Answered: 26 Feb 2026
To convert your Digital OD into EMIs with Kotak Mahindra Bank, first review your loan or overdraft agreement to check if EMI conversion is permitted. Submit a written request to the bank for restructuring. Approval depends on bank policy. Ask for revised terms in writing before agreeing. If your request is unfairly rejected, you may file a complaint with the bank and then approach the RBI Ombudsman. For further legal assistance contact us on our helpline number.
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