Mobile Banking Features

• Menu driven service - no need to remember complex codes
• Security through 256 bit encryption.
• Check your account balances for Current, Savings & Term Deposit accounts
• View your account activity
• Transfer funds between your accounts or other accounts in Kotak Bank
• Send and receive money from your mobile instantly via Interbank Mobile Payment Service (IMPS)
• Purchase & redeem Mutual Fund units
• Report loss/theft of Debit Card and request for replacement
• Check status of your Cheque instruments
• Request issue of new Cheque book
• Pay Utility Bills to over 150 service providers
• Make VISA credit card payment

Please Note:

1. You can make payments via mobile banking for the registered billers only. To register / add a biller on Kotak BillPay, login to Kotak Net Banking. Alternatively you can call up our 24-hour Customer Contact Centre or visit the nearest bank branch
2. Daily limits for Visa credit card payment is Rs.49,999
3. You can only transfer funds between Kotak accounts and to those beneficiaries registered on your Kotak Net Banking. To register a beneficiary, logon to www.kotak.com.
4. IMPS facility is available for the banks participating in Interbank Mobile Payment Service (IMPS). To view the list of banks please click here

What you need to access this service

To access Kotak Mobile Banking you need:

• A Kotak Mahindra Bank account
• A Java-enabled handset
• An active GPRS connection (Advanced GPRS recommended) from your service provider
• Registration for Net Banking and a Net banking password
• Activation Key - the Activation Key is generated on first login, which needs to be activated by giving a request at the Branch.

Security Features

Kotak Mobile banking platform uses secured Https protocol for communication between the mobile client and the mobile server. Protected by the most stringent security systems, Kotak Mobile 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 network. The servers are protected with firewalls that make unauthorized access impossible.

Downloading the Application

All you need to get started using Kotak Mobile Banking is to download the application by sending K MOBILE <Last 4 digits of your CRN> as SMS to 9971056767/5676788. Please note you need to send the message from the preferred mobile number you have registered with the bank. You can also call our 24-hour Customer Contact Centre for downloading Kotak Mobile Banking application. You would be receiving the link to download the application on your mobile number registered with the bank. Please make sure that you have updated your current mobile number with us.

Registration

Login to Kotak Mobile Banking with your Net Banking user ID and password to receive Activation Key on your preferred mobile number and email id registered with the bank. To activate Mobile Banking on your handset you will need to visit the nearest branch.

*Mobile Banking is offered to our customers absolutely FREE. There are no charges levied by us for accessing this service. However, please note that you will need to pay for the GPRS subscription charges as levied by your Mobile phone service providers.