Management Co. Ltd. Kotak Securities Ltd.
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Save precious time and money with Kotak Net Banking services - Get free access to Banking solutions from the comfort of your home or office. This service is available to you 24 x 7.
1 Online Investment Facilities in Mutual Funds is available across all countries except USA and Canada
Banking on the Internet is like having a bank branch on your desktop. You can access your bank any time and from any place.
With Kotak Mahindra Net Banking, you have the advantage of viewing activities in your banking, Demat and investment accounts, transfer funds between your / third party accounts with Kotak Mahindra Bank, or with any other Bank which participates in RBI NEFT/ RTGS scheme, request a cheque book and physical statement, purchase & redeem investments online1, pay your utility bills, register for payment gateway and access many more services.
InterBank Fund Transfer is a facility that allows you to transfer money from your account with Kotak Mahindra Bank Ltd. to an account in any other Bank, subject to the beneficiary's bank participating in the RBI National Electronic Funds Transfer (RBI - NEFT) scheme. This facility is available currently to resident Indian customers only.
You need to login using your Net Banking login ID and password, and select InterBank Fund transfer option under Payments on the left hand side menu.
You will then need to select the source account and enter the amount to be transferred and the details of the beneficiary account like beneficiary name, beneficiary account number, account type, bank name and the destination branch.
All customers who have unconditional operating authority on any Kotak Mahindra Bank Savings / Current account can get View and Transactional access to Net Banking.
Please click here to download the channel access request form for individuals.
Please click here to download the channel access request form for limited companies, associations, trusts, partnerships, sole proprietorships and HUFs.
Please fill up the form and put it in the drop boxes in our branches/ATMs or mail it to:
Customer Contact Center,
Kotak Mahindra Bank Ltd.,
Post Box Number 16344,
Mumbai 400 013
To access Net Banking you need:
The following PC configuration is recommended for best performance:
We have the most advanced security system to safeguard your Net Banking transactions. All your transactions travel in a 256-bit SSL encrypted medium, the highest level of security on the Internet. The servers are protected with firewalls that make unauthorized access impossible.
At the customer level, every customer is provided with a unique User ID and password. In addition, we make sure that:
All Kotak Mahindra Bank customers are given free access to Net Banking.
Please check your User ID and password. Please note that password is case sensitive ('a' is different from 'A').
The other reasons for an error could be:
Please check your operating mandate. Account holders with joint or conditional operating mandate cannot do financial transactions on Net Banking. Additionally for Investment accounts, a Power of Attorney is required to be executed in favour of Kotak Mahindra Bank for giving online1 Purchase / Redemption requests.
Please contact any of our branches or our 24-hour Customer Contact Centre to get a POA Form.
Your password can be regenerated instantly with the 'Generate Password' service available on the login page of Net Banking. Also, you can call our 24-hour Contact Centre. Our Customer Care Officer will be glad to assist you.
There are two options available to regenerate your Net Banking password online. You can select any one of the options as mentioned:
You can unlock the same immediately using the unlocking account feature available on the login screen or the same will get unlocked automatically after 12 Hrs. Alternatively, you can call up the 24 Hour Customer Contact Centre / visit the branch for the same.
You can unblock the same immediately using the Generate Password link on the login screen. Alternatively, you can unblock by calling our 24 Hours Customer Contact Centre or visit nearest Kotak Mahindra Bank branch.
To unblock the service, please call 24x7 Customer Contact Centre number at 1860 266 2666 or visit our nearest Bank branch.
It's a set of questions where answers of your choice can be registered through the profile section on Net Banking. These questions can be used to regenerate / unlock your Net Banking password on selecting secret questions.
Nick Name is an alternative to User ID to simplify Net Banking access. You can create your Nick Name by visiting the "Profile" page after logging into Net Banking. You have the option of using your Customer Relationship Number (CRN) as your user ID or Nick Name, with the same Net Banking password.
With Nick Name, you enjoy the following advantages:
To select a Nick Name, follow the simple steps:
Next time you login, you can use your Nick Name and Net Banking Password to log in.
As a bank we respect the privacy of our customers and understand that some of them may not want to be contacted over various channels for our marketing activities.
Therefore, DNC as an option is being made available to the customers of the bank to get them deregistered from marketing calls, alerts & emails.
Request for DNC can be given:
DNC request should in no way be construed as a blockage of Call / Alerts / SMS from the bank. This facility enables you to block only the marketing related Call / Alerts / SMS from the bank. You will continue to receive Call / Alerts / SMS for your account related information, subject to you being registered for the same. E.g. a customer registered for Alert services would continue to get Call / Alerts / SMS for large credits, large debits, amounts less that Minimum AQB, home banking calls, etc., even if the customer has registered for DNC services. Also, this Request for Do Not Contact is valid only for Kotak Mahindra Bank Ltd. and not for the group companies and associates.
*Service available at cities / districts covered under RBI-NEFT system
1 Online Investment Facilities in Mutual Funds is available across all countries except USA and Canada
A simple registration process lets you be in control of your account from around the world through Kotak Net Banking.
Download the Channel Access Request form or visit a branch and request for a channel
access request form.
Fill up the Channel Access Request form
Submit it through ATM, Branch or post
You can get Net Banking access if you have a Savings Bank Deposit, a Term Deposit or a Current Account.
Saving and Current Accounts:
Term Deposit Accounts:
Add / Manage Beneficiaries:
You now have a wide range of Service Requests that are available to you online. You can place a Service Request and even view your service request details.
Service Requests are as below:
Savings and Current Account Service Request
Deposit Service Requests:
Home Banking2 Service Requests:
Debit / Prepaid Card Related Request:
Payment Gateway Related Request:
Kotak Netc@rd usage:
Kotak BillPay is an Electronic Bill Presentment and Payment Service. A secure and hassle free way to pay your bills!
|Reliance Energy||0.5% discount on bill amount, subject to a maximum discount of Rs. 250 per bill|
|Mahanagar Gas||1% discount of the bill amount|
|MTNL||1% discount subject to a maximum discount of Rs. 250 per bill|
For more details on Billers, Click Here
Receive funds from any non Kotak Bank Account to your Kotak Bank account using RBI's ECS facility absolutely FREE.
Note: Existing "Service Requests" have been moved under the "Banking" section. We have also added additional "Requests" for your convenience.
You can now apply for IPO/FPO/Rights Issue through Kotak Net Banking without any paper-work and from the convenience of your home / office.
You can view and download your previous months' digitally signed statements including your Annual Combined Statement for the previous financial year through the Statement tab. Also you can request for your preferred statement delivery option by clicking on Statement Registration.
Profile has your contact details, like correspondence address, preferred email ID and mobile number. For enhanced security, modification of preferred Email ID or Mobile Number is not possible online. To make any changes to your preferred Email ID or Mobile Number please visit your nearest branch and submit a signed request along with an acceptable proof of identity. To change your correspondence address, please submit a signed request along with an acceptable proof of address.
It also has secret questions. You need to set your secret questions to be able to unlock your Net Banking User ID online instantly.
This section provides you a secure mail service to contact the bank with your complaints / suggestions. You can also place your 'Home Banking' requests in this section.You can also do the following:
1 Online facilities for investment in Mutual Funds as well as trading in secondary market is available across all countries except USA and Canada
2 Facilites available in India only
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 Dynamic Access Code. To log in to Net Banking / Payment Gateway you would need to enter an additional password i.e. your 'Dynamic Access Code'. This Dynamic Access Code is to be generated online and will be sent instantly to your preferred Email ID and Mobile Number registered with the Bank. Dynamic Access Code is valid for an hour from the time it is generated by you.
Dynamic Access Code can be generated by entering your User ID / Nick Name and your Net Banking Password and clicking on 'Generate Dynamic Access Code' tab on the Dynamic Access Code login page.
In addition we guard against unauthorised entry or viewing in the following ways:
Kotak Mahindra Bank is committed to provide a safe and secure online banking experience and has exercised great diligence to ensure confidentiality and security of your accounts. At Kotak Mahindra Bank, we use the best industry standard security technologies and practices. Discover few of our initiatives taken to safeguard your online banking. Also explore your role in ensuring the safe and secure online banking.
Unique User ID and Password
Dynamic Access Code - To provide enhanced security and safety we have implemented Dynamic Access Code
Virtual KeyPad - The Virtual KeyPad protects you from malicious Spyware and Trojan Programs designed to capture your keystrokes and thus reveal your secret password. Kotak Mahindra Bank provides the option of Virtual KeyPad, for inputting User ID-Password information for Net Banking. For your safety, keys of Virtual KeyPad get rearranged every time you select Virtual KeyPad.
256 Bit SSL Encryption - Kotak Mahindra Bank uses 256 bit Secure Socket Layer (SSL) Encryption for information transmitted during an Internet Banking session, which is accepted as the best industry standard for encryption.
Entrust Digital Certificate
Timed Log Out - To protect your accounts from unauthorized access, our system is designed to terminate session automatically if extended inactivity is detected.
Auto Block Feature - In order to protect your account security, access to Net Banking will be automatically blocked once multiple attempts to log in are made with an incorrect User ID and Password.
Internet Banking Security Tips
While we ensure to make sure your online transactions are secure, you also have a role to play to ensure online security. Here are some additional steps you can take to ensure the security of your transactions:
Your information is the most valuable asset to protect yourself from online fraud such as Identity Theft. Identity thieves try to obtain key pieces of your confidential information in order to gain access to your bank account. To protect your confidential information follow below mentioned steps
Debit/Credit Cards Security Tips
Phishing - Phishing refers to a person or a group of cyber-criminals who create a copy of an existing legitimate web page (in the name of your bank) to trick users into providing sensitive personal information. Responding to 'phishing' emails put your accounts at risk.
To carry out this trick, the phishing scammers send fraudulent email disguised as an official request for information from the bank. Generally, they also create a look-a-like website that is designed to closely resemble the target company's official site. The fake website may appear almost identical to the official site.
Recipients of the scam mail are requested/ lured to click on a link, which will cause fake website to open in the user's browser. The recipient will be asked to enter the user ID and Password of Net Banking. The scammers then use this information to their advantage. Very often such phishing emails may contain various spelling mistakes. Even the links to fraudulent website may contain URLs with spelling mistakes.
Tips to protect you from Phishing
Tips to protect you from Vishing
Tips to protect you from Identity Theft
To report any security related issues, frauds or vulnerabilities with regards to Kotak Mahindra Bank systems and services, please email us at:firstname.lastname@example.org