Net Banking

Key Features

  • Bank 24X7 - anywhere, anytime
  • View details across Accounts, Term Deposits and Demat Accounts
  • Invest/Redeem in Mutual Funds online
  • Stringent security offers complete peace of mind

Kotak Mahindra Bank's Net Banking service brings you the timeless world of instant banking. It is quick and easy, available to you 24X7 and it's absolutely free!

It gives you instant access to your Banking Accounts, Demat Accounts, Investment Accounts, netc@rd and Insurance Accounts. In addition you can transfer money, pay your bills, pay for your online shopping, make subscription payments and more. And all this comes to you on a robust and secure technology platform.

Net Banking Features - What can you do online?

Net Banking gives you a host of services, giving you complete control of your accounts:

  • View account balance, account activity, place standing instructions and cheque status
  • Open a Term Deposit
  • Transfer funds online between your/third party accounts with Kotak Mahindra Bank or any other bank account supported by RBI NEFT system
  • Place request for a cheque book, debit card PIN or payment gateway registration
  • View securities available for Demat
  • View current Mutual Fund holdings, Buy and redeem Mutual Funds online
  • Shop online at over 3000 websites, make utility bill payments across more than 60 companies and 42 cities. Know more about Kotak Payment Gateway

And MORE! To see a complete list of Net Banking features, just select a link below:

How secure is Net Banking?

Protected by the most stringent security systems, Net Banking allows you to transact over a completely secure medium. All your transactions travel via 256-bit SSL encrypted medium, the highest level of security on the internet. The servers are protected with firewalls that make unauthorized access impossible.

Each customer is, provided with a User ID and Password. Your password is generated in such a way that it is only known to you. To provide enhanced security and safety we have introduced the Access Code. To log in to Net Banking / Payment Gateway you would need to enter an additional password i.e. your ‘Access Code’. This Access Code is to be generated online and will be sent instantly to your preferred Email ID and Mobile Number registered with the Bank. Access Code is valid upto 11:59 P.M. (IST) of the day it is generated by you.

Access Code can be generated by entering your User ID / Nick Name and your Net Banking Password and clicking on ‘Generate Access Code’ tab on the Access Code login page.

In addition we guard against unauthorised entry or viewing in the following ways:

  • To prevent somebody from guessing your password and getting unauthorised access to your account your User ID is locked in case of three consecutive wrong password entries in 24 hours.
  • To prevent an unauthorised person from viewing your Net Banking account in case you leave your computer idle, we close your Internet session in case of inactivity for an extended period of time.
  • You can block your account anytime for any duration you wish by contacting our Customer Care Officer at our 24 hour Customer Contact Centre. It is unblocked upon your request.
  • To prevent somebody from accessing your Net Banking User ID and Password through capturing of keystrokes from a keyboard, we have now enabled the ‘Virtual Keypad’ on the Net Banking / Payment Gateway Login screen.
  • Access Code and transaction alerts are sent to your preferred Email ID and Mobile Number registered with the Bank. For security reasons, you will not be able to change your preferred Email ID or Mobile Number through Net Banking and would need to submit a signed request along with an acceptable proof of identity at your nearest Kotak Mahindra Bank's Branch.
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