Mobikwik has a direct CC to bank transfer option, the funds will get added to your wallet and then transferred to your bank account but that will be done as a one step process rather than you having to do it in two steps. The standard charges are 3.15% but it's showing me an offer discounted rate at 1% so you can check what it shows for you. I'm attaching the transaction limit details for your reference. Hope this helps.
This now seems like a Gimmick by Mobikwik....at beginning before completing KYC they were showing exclusive offer as above of 1% for wallet to Bank Transfer.
Post KYC and after only one transaction last week and now trying again ,,itseems they have increased charges for KYC members from 1% and new charges now is 3.15% + GST.