How to convert OD amount to EMIs?

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.