We certainly didn’t want any inconvenience for you! In the unfortunate scenario where Full KYC is not completed within 365 days of account opening, an 811 Limited account has to be closed as per regulation. However, we do proactively issue a Demand Draft (DD) in case account has any credit balance. Looks like despite our best efforts, you may have not received the Demand Draft yet. Let’s get this sorted! Here's what needs to be done: 1. CLICK HERE to raise a request. 2. Mention your preference on how would you like us to process it - Redispatch DD to home branch or nearest branch; or Communication address; or Transfer funds to other bank account via NEFT 3. We will check the DD status in our records and process the request as per your preference Option 1 : Re-deliver to Home Branch/Nearest Branch –  Please mention details of the branch (branch name and branch location) where the DD should be redelivered. You will receive initimation on dispatch status. Post the delivery of the DD, you may visit the branch for collection along with original PAN & Aadhar (as submitted during account opening). Turnaround time to process this request is 5 working days if the DD is valid. Option 2 : Re-deliver to registered address – Compulsorily mention a landmark for redelivery at your registered communication address. Turnaround time to process this request is 5 working days if the DD is valid. Option 3 : Transfer via NEFT to other bank account – Please attach a copy of your PAN and Aadhar (used during account opening) and a cancelled cheque of your existing account with the other bank where funds need to be transferred. Please note, NEFT is allowed only when the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak. Turnaround time to process a NEFT request is 7 working days when the DD has expired or needs to be cancelled to transfer funds via NEFT. Please note: 1. Turnaround time to process redispatch requests is 5 working days if the DD is valid. 2. For re-dispatching DD to registered address, mentioning landmark is compulsory. 3. Turnaround time to process NEFT requests if the DD has expired or needs to be cancelled to transfer funds via NEFT is 7 working days. 4. NEFT is allowed only if the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak.