Massive Bank Credit
A 20-year-old Noida man, Deepak, discovered an astronomical ₹1 septillion trillion credited to his late mother’s Kotak Mahindra Bank account, sparking an Income Tax probe. Kotak Mahindra Bank denied the massive bank credit, calling reports inaccurate and confirming normal system operations. The incident, gone viral on social media, raises questions about banking errors or potential fraud.
Image: The Economic Times
A Shocking Bank Notification
On August 3, 2025, Deepak, a 20-year-old from Dankaur, Greater Noida, received a late-night notification from Kotak Mahindra Bank. To his shock, it showed ₹10,01,35,60,00,00,00,00,00,01,00,23,56,00,00,00,00,299—over ₹1 septillion trillion—credited to his deceased mother’s savings account. The account, initially held by Gayatri Devi who passed away two months ago, had remained accessible to Deepak.
The mind-boggling 37-digit amount surpassed the wealth of India’s richest individuals, including Mukesh Ambani and Gautam Adani. After journalist Sachin Gupta posted the screenshot on X with a tongue-in-cheek remark, “My math is a bit weak,” the story went viral, attracting massive online attention.
Kotak Mahindra’s Swift Denial
Just two days later, on August 5, 2025, Kotak Mahindra Bank issued a firm denial. The bank stated, “Media reports suggesting an unusually large balance in a customer’s account are incorrect.” They assured customers that their systems were working normally and encouraged them to verify balances using the official mobile app or net banking platforms.
However, Kotak Mahindra did not confirm if Deepak was a customer, nor did it comment on the nature of the alleged notification. This left the public wondering whether it was a technical glitch, human error, or something more serious. Deepak has since reported that the account has been frozen, and the Income Tax Department has launched a formal investigation.
Viral Buzz and Official Scrutiny
The news triggered a flood of social media memes, jokes, and conspiracy theories. Some users compared Deepak’s windfall to Shah Rukh Khan’s ₹7,438 crore net worth. Others mocked the situation, with one remarking, “The keyboard had a stroke typing that number!”
Deepak admitted that he initially mistook the notification for ₹1.13 lakh crore and shared the screenshot with friends to count the zeros. Although some speculated it might be a display error within the banking app, the Income Tax Department is investigating whether this was a technical malfunction, prank, or money laundering setup.
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Concerns Over Digital Banking Reliability
This strange episode has sparked a broader conversation around the reliability of digital banking systems. Even though Kotak Mahindra denied any fault, the incident underscores the need for robust cybersecurity and improved monitoring tools to prevent confusion or misuse.
Deepak has reportedly turned off his phone to escape the public spotlight. Meanwhile, the outcome of the ongoing investigation will determine if this case was a rare anomaly or a symptom of deeper systemic issues in banking infrastructure.
