The Bank is strengthening its digital infrastructure to keep the momentum, said a senior official.

The Bank is also in the process of studying integrating the technology platforms of ING Vysya Bank, which was acquired by Kotak Bank recently, and the study is expected to be over in couple of quarters, Deepak Sharma, executive vice president-head digital initiatives, who was in Chennai to launch Kotak Bharat App in Tamil.

ING Vysya Bank got merged with Kotak Mahindra Bank by which the latter became the fourth largest private bank in the country with over 1,200 branches and over 1,900 automatic teller machines (ATM).

"The integration process of ING Vysya Bank with Kotak Mahindra Bank is in the process. We are in the middle of it. The integration is expected to be over in around two quarters."

Commenting on integration of technological platforms of ING Vysya Bank, he said, "those are things we are currently evaluating. The digital platforms of ING Vysya Bank are also being studied."

On Kotak Bharat, he said it is a mobile banking app which requires no internet connectivity. Besides allowing to manage savings bank account, current account and credit card, the app also allows to transfer funds without internet connectivity, recharge mobile and DTH services and to apply for Pradhan Mantri SurakshaBima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana.

Sharma said that the new mobile software application is available in six languages - Hindi, English, Tamil, Marathi, Kannada and Gujarati- to enable the bank's savings and current account customers to transact in their language.

Sharma said the new application would enable a customer to transfer funds-subject to a per day cap of Rs 2,500 to any other person's bank account using their mobile phones and without internet connectivity.

He said the light application that occupies less than 2 MB memory capacity of a smart phone can also be used to manage credit card, savings and current account apart from recharging mobile phones and direct-to-home (DTH) connections.