I too wanted to open a business A/c cum Demat and online trading A/c with Kotak. Their rep came only after I spoke to the Manager.The Rep had absolutely no knowledge about his product and said that since no one from demat was available he, from the savings account opening department, had come to sign and collect the Demat account opening documents. He told me to login to Kotakstreet.com and I could\\\'nt help but Laugh when the response from the Website was Server busy, please try later. On trying later the response was the same. Yet on his persuation and assurance that it is a temporary problem I gave him the ac opening cheque and documents. He came back the next day and brought a Kotak Securities Personnel with him. That personnel was intersted in getting a hefty sum out of me saying that their equity portfolio management was the best in the industry and had given 70% in the last quarter alone. I readily gave him the required amount, and signed the documents. Next week I got a confirmation that the hefty sum a/c was opened but the other A/c for which I had originally called Kotak bank was\\\'nt. The person who picked up the docs had quit Kotak!, Hence!!!!!!!!!