If you have a Kotak salary account and have been charged for not maintaining the minimum balance, you have the following options:

Pay the charges: If you don’t mind paying the charges, you can simply pay the amount due to the bank to settle the matter.

Close the account: If you no longer need the salary account and don’t want to pay the charges, you can close the account. Before closing the account, ensure that there are no outstanding transactions or debts and that all your important documents and certificates have been collected.

Change to a different account: If you want to continue to use the salary account, but don’t want to pay the charges, you can change to a different account type that is exempt from minimum balance requirements.

Maintain the minimum balance: You can also choose to maintain the minimum balance required by the bank in your salary account to avoid being charged in the future.

It is advisable to check with Kotak Bank for the specific charges and procedures related to your salary account, as well as the requirements for changing to a different account type or closing the account. Additionally, you may want to consider reviewing your banking needs and finding an account that better fits your requirements.