Mobile Banking

Welcome to the world of convenience banking on your mobile phone. Now, you can experience the benefits of online banking anywhere and anytime, without the need for a computer.
All this convenience comes to you in a secure and user friendly application for phones and tabs on the iOS, Blackberry, Android and Windows platforms.

Mobile Banking - Application

Download from app.kotak.com

  • Banking Services

    • Check balances of your savings & current accounts
    • View past transactions
    • View / open term deposits
    • Request for account statement & cheque book
    • Transfer funds (own accounts, Kotak third party, NEFT, RTGS or IMPS)
    • Make payments without the need to register a beneficiary, through One Time Payment
    • Make a NEFT / RTGS Fund transfer even after the cut-off timing
    • No need to remember IFSC for making a IMPS / NEFT fund transfer, directly select from a list of banks
  • Credit Card

    • View summary of your Credit Cards
    • Pay your Credit Card bills
    • View statements and unbilled transactions
    • Report loss or damage of card
    • Balance Transfer
    • Convert transactions to EMIs
    • Request add-on cards
    • Setup auto debit for your credit card bill payments
  • Bill Pay and Recharge

    • Pay your bills
    • Make instant payments to your registered billers
    • Recharge your mobile / Data Card and DTH subscription
  • Investments

    • Purchase / Redeem Mutual Funds
    • Keep a track of your investments
    • Get the latest NAV reports
    • Check status of your transaction requests
    • Cancel your transaction requests
  • Demat*

    • Check your account overview and activity
    • View your holding details
    • Access statement of transactions, billing and holding
    • Request for Client Master List (CML), pledge form and nomination form
  • mStore*

    • Book / Cancel flight
    • Access your bookings through "My Booking" section
  • My Kotak

    • Personalize your Home Page to get all the information of your choice in one place.
    • Choose to view certain information without logging in with MPIN (Mobile Banking PIN)
    • The personalization option is available for iOS, Android, Windows and Blackberry 10 users.
    • View social and transaction points for your JIFI account
    • Avail latest and exciting deals through the Kotak Offers App

    Keep a track of your total net worth with Kotak through the One View widget

  • Service request

    • Request for bank account statement
    • Regenerate Debit Card PIN
    • Regenerate Credit Card PIN
    • Request for cheque book
    • Status enquiry of your cheque
    • Stop cheque request
    • Set / Remove International Usage facility for your Debit Card
    • Report loss of your Debit / Credit card
    • Switch primary account of your Debit Card
    • Register for e-statement of your Credit Card
  • General

    • Change your MPIN
    • View your profile and personalize the app by choosing a picture of your choice to display in the app
    • List of frequently asked questions
    • Kotak Customer Contact Centre numbers and Email under Contact Us and a call can be made or a mail can be sent with a simple click / touch.
    • Links to follow Kotak Mahindra Bank on social media sites (Facebook, YouTube, Twitter, etc.)
    • Get your transaction alerts through Push Notifications

*This feature is currently unavailable on Blackberry 7 and Windows devices

 

To access Kotak Mobile Banking App, you need:

  • A smartphone, tablet or iPod with iOS (version 4.3 onwards), Android (version 2.2.3 onwards), Windows (version 8.0 onwards) or Blackberry (version 5.0 onwards) mobile operating system and any wireless data connection services (Wi Fi, 2G / 3G / 4G mobile data service)
  • Your Customer Relationship Number (i.e. CRN) with Kotak Mahindra Bank
  • Net Banking / Debit Card / Credit Card details

Expand All

What are the facilities offered on Mobile Banking?

With Kotak Mahindra Bank's Mobile Banking app, you can avail the following facilities:

Banking Services

  • Check balances of your Savings & Current Accounts
  • View past transactions
  • View / Open Term Deposit
  • Request for Account statement & Cheque Book
  • Regenerate Debit Card PIN
  • Transfer funds (Own accounts, Kotak Third Party, NEFT, RTGS, IMPS)
  • Make payments without the need to register a beneficiary, through One Time Payment
  • Make merchant payments using IMPS
  • Report loss of card
  • Switch primary account of your Debit Card
  • Set / Remove International Usage facility for your Debit Card
  • Stop Cheque / Track Cheque Status

Credit Card

  • View summary of your Credit Cards
  • Make payments
  • View statements and unbilled transactions
  • Report loss or damage of Cards
  • Regenerate Credit Card PIN
  • Balance Transfer
  • Convert transactions to EMIs
  • Request add-on Cards
  • Setup Auto Debit
  • Register for e-statement

Profile

  • Change your MPIN (Mobile Banking PIN)
  • View your profile
  • Select different widgets for "My Kotak" section. My Kotak is a unique feature, where you can personalize your Home Page to get the information of your choice. You can choose from various widgets to display in your "My Kotak" section. You can also choose to view certain information without logging in with MPIN. The personalization option is available for iOS, Android, Windows and Blackberry 10 users. For other Blackberry devices, "My Kotak" will have widgets for Branch / ATM locator, Forex Rates, Term Deposit Rates, Market Data and One View.

BillPay

  • Pay your bills
  • Make instant payments to your registered billers
  • Recharge your mobile / Data Card and DTH

Investments

  • Purchase / Redeem Mutual Funds
  • Keep a track of your investments
  • Get the latest NAV reports
  • Check status of your transaction requests
  • Cancel your transaction requests

Demat

  • View your account and Holding details
  • Track your account activity
  • Request for statement of transaction, billing, and holding
  • Request for Client Master List, pledge form and nomination form

mStore

  • Book / Cancel flight
  • Access your bookings through "My Booking" section
Demat and mStore is currently unavailable on Windows and Blackberry 7 devices
 

When can I transfer funds?

You can transfer funds 24x7 and instantly through IMPS using IFSC and Account Number. You can also make NEFT / RTGS fund transfer 24x7. Requests received after the cut off timing will be executed in the NEFT / RTGS cycle of the next working day.

Can I add someone as a beneficiary or register a biller through Mobile Banking App?

No. Currently, you can't add someone as a beneficiary or register a biller through Mobile Banking. However, you can add a beneficiary or a biller through Net Banking or Bank Branch or Customer Contact Center. All the added beneficiaries / billers will start reflecting in Mobile Banking, to which fund transfer / bill payment can be made using the App.

However, you can use one-time payment facility to transfer funds to someone even without adding him as a beneficiary. You can also recharge your Mobile / Data Card and DTH without registering the biller.

Can I transfer funds to someone whom I have not added as a beneficiary?

Yes. Using one-time payment facility, you can transfer funds to someone even without adding him as a beneficiary. You can also recharge your Mobile / Data Card and DTH without registering the biller.

How can I book / cancel a Flight using Mobile Banking App?

You can access the Flight Booking facilities through mStore section in the App. Go to mStore > Flight Booking and you can book / cancel flights or access your past bookings.

A ticket booked through Mobile Banking App can only be cancelled through the App or Goibibo Customer Care. You cannot access / cancel the booking through Goibibo's website.

Who do I need to contact for my Flight booking / cancellation / refund queries?

For any query regarding flight booking / cancellation / refund status, you need to directly contact Goibibo at 0124-6777003 or kotak@goibibo.com.

Do I need to remember my old PIN for generating new Debit / Credit card PIN?

No. You just need to log in the App using your MPIN and go to Service Requests section. From there, you can directly set a new PIN for your Debit / Credit Card. You just need to enter the Expiry Date and CVV of your card.

How can I view my account balance without logging in?

You can choose to view certain information in "My Kotak" without logging in. You can go to Settings > Edit My Kotak and switch MPIN off for the information you would like to view without logging in.

Only the primary CRN of the device can access this feature. This feature is currently available for Android, iOS, Windows and Blackberry 10 devices.

How can I set / remove International usage facility from my Debit Card?

You can go to Service Request > Debit Card Requests > Set International Usage option and you can set / remove this facility from your card for any chosen date. In case you are unable to see your card in the drum, your card must either be permanently allowed or permanently blocked for International usage. Please contact the Customer Contact Center for the complete details of your card.

This feature is currently available for Android, iOS and Windows devices.

How do I access the Offers section and track my JIFI account status through the App?

Please make sure that you have added the "Offers" and "Kotak JIFI" widget to your "My Kotak". Go to Settings > Edit My Kotak for the same. Once added, you can see you JIFI Social and Transaction points within the App.

Click on the widgets for the complete details regarding Offers and your JIFI account.

This feature is currently available for Android, iOS and Windows devices.

Do I need to remember the IFSC for making one-time fund transfer?

For your convenience, you can choose the IFSC of a few selected banks through the "Select Bank" link while making a NEFT / IMPS Fund Transfer.

What are push notifications and how to enable / disable this service?

Through push notifications, you can get your transaction alerts through your Mobile Banking App. You can access all the notifications of past two days through the "Notifications" widget in My Kotak. It is currently available for Android, iOS and Windows users.

If you are an Android or Windows user, you can enable / disable this service through the Settings section within the App itself.

If you are an iOS user, you can enable / disable this service through the Settings > Notification Center on your device.

Please note that the Push Notifications are available only for the Primary CRN.

This feature is currently available for Android, iOS and Windows devices.

Who can use Kotak Mobile Banking?

Kotak Mobile Banking is offered to the customers who either have a bank account or any other banking relationship. Customers having a Current / Savings Account, a Term Deposit or a Credit Card with access to Active Net Banking or having an Active Debit / Credit Card are eligible to be registered for Mobile Banking.

The access and transaction rights are as given below:

Account Categories and RelationshipAccess
Individual Accounts
Sole Ownership AccountView and Transact
Joint Account - Single Operating ModeView and Transact
Joint Account - Joint Operating ModeView
Minor Account - MinorNo access
Minor Account - GuardianView and Transact
Power of AttorneyView and Transact
Non-Individual Accounts*
Authorised Signatories - Single operating mode**View and Transact
Authorised Signatories - Conditional operating ModeView

* Company, Society, Trust, Association, Partnership, Sole Proprietorship, HUF
** Karta of an HUF and sole proprietor will get 'View' and 'Transact' access.

Will I be charged for accessing the service?

Mobile Banking is offered to our customers absolutely free. There are no charges levied by us for accessing this service. However standard data connection charges (GPRS or Wi-Fi) are applicable as levied by your service providers.

How do I access Kotak Mobile Banking?

Please download the Kotak Mobile Banking Application from app.kotak.com or go to respective application stores (Apple App Store/Google Play Store/Blackberry World / Windows Store). You can also SMS "Mobile" to 9971056767 / 5676788 to receive the download link on your registered mobile no.

Which technology / platform is being used to provide this service? Is my handset compatible?

Kotak Mahindra Bank is providing its Mobile Banking App on GSM / CDMA platform.

Kotak Mahindra Bank is providing its Mobile Banking App for iOS (version 4.3 onwards), Android (version 2.2.3 onwards) Windows (version 8.0 onwards) and Blackberry (version 5.0 onwards) operating system. You can connect using any wireless data connection services (Wi Fi, 2G / 3G / 4G mobile data service).

To use the older version of Kotak Mobile Banking which works on Java enabled handsets, please click here

I have downloaded the application on my handset, now what do I do?

Please start the application and on the first page, click on "Create MPIN - New User". Enter your CRN (Customer Relationship Number) and choose either "Net banking", "Debit Card" or "Credit Card".

For the Net Banking option, you will need to enter your Net Banking Password and for the Debit / Credit Card option, you will need to enter the 16 digit Card number, Expiry Month & Year, Debit / Credit Card PIN and CVV (3 digit code on the back side of Card present at signature box).

Post successful validation, you can generate your 6 digit MPIN. After this you will receive an SMS with the Activation Key on your registered mobile number (you can also click on the SMS icon put on the Activation Key page). To activate Mobile Banking on your handset, simply forward the complete SMS from your registered mobile number to 9971056767 / 5676788 or contact our 24 Hr Customer Contact Centre or visit your nearest Kotak Mahindra Bank branch.

Can more than one CRN be used on a single device?

Yes. A maximum of 4 CRNs can be added on a single device.

What is a primary CRN?

The admin of the device is termed as "Primary CRN". By default, the first CRN added on the device would be the primary CRN, which can be changed in Settings.

Please note that the Push Notifications and the ability to view My Kotak without logging in is available only for Primary CRN.

How do I add a CRN to the device?

Click on "Add CRN" button on the device. If the CRN you are trying to add already have an MPIN, click on "Login - Already have MPIN" and follow the on screen instructions. Otherwise, click on "reate MPIN - New User".

Add CRN button is available on the login page as well as in the "More" menu in My Kotak

How do I delete a CRN from the device?

Go to Settings > Manage Profile. While a primary CRN can delete any of the profiles, individual CRNs also have an option to delete their own profiles.

How can I change Primary CRN?

Only the primary CRN has the right to change this. Go to Settings > Manage Profile to change the Primary CRN. The MPIN of the CRN which is being changed to Primary CRN would also be required to complete this change.

My CRN got locked, what should I do?

Locking of CRN happens when customer enters incorrect MPIN consecutively 3 times. The CRN, in this case, is locked for 12 hours. To unlock, please use "Forgot MPIN" option or call our 24-hour toll free Customer Contact Centre on 1800 102 6022 or visit your nearest Kotak Mahindra Bank branch.

On my device, "Create MPIN" or "Forgot MPIN" feature got locked, what should I do?

Locking of "Create MPIN" or "Forgot MPIN" happens when, while authenticating, customer enters incorrect Net Banking or Debit / Credit Card credentials consecutively 3 times. To unlock, please call our 24-hour toll free Customer Contact Centre on 1800 102 6022 or visit your nearest Kotak Mahindra Bank branch.

I have forgotten my MPIN, what do I do?

You can use the Forgot MPIN feature on the application to generate a new MPIN.You can reset your MPIN using your Net Banking password or Debit / Credit Card details.

If I change my handset will I be able to access Kotak Mobile Banking again?

Yes, in case you change your handset, you would be required to install the application on your new handset and follow the procedure of registration as explained above. Once registered, you can access your accounts from your handset again. You can access your accounts from multiple handsets and / or tablets using the same CRN and MPIN.

How secure is Kotak Mobile Banking?

Our mobile banking platform uses secured HTTPS protocol for communication between the mobile client and the mobile server. Secure Hyper Text Transfer Protocol (HTTPS) uses HTTP, but, additionally activates Web server security, in the form of Secure Sockets Layer (SSL). This means that the communications between the client and the (host) Web server are encrypted. Thus, it is our endeavor to provide customers, a highly secured environment to conduct their business with us. Additionally, all application related information stored in device is encrypted.

Can I access Kotak Mobile Banking if I have not registered for Net Banking?

Yes, Mobile Banking is a separate channel from Net Banking channel. You would require an active Debit Card or Credit Card to register for Mobile Banking.

What precautions do I need to take for accessing Mobile Banking?

Please note the following:

  • Please memorize your MPIN and do not write it anywhere. Please don't disclose your MPIN to anyone, including Kotak Mahindra Bank staff
  • Please change your MPIN at regular intervals
  • Please don't use obvious MPINs (like mobile or landline number, date of birth, etc.)

I have been using Kotak Mahindra Bank's earlier JAVA based Mobile Banking application. Can I now use the new version?

No, you cannot use Java based mobile to install the new Mobile Banking App. The new App is compatible only with iOS (version 4.30 onwards), Android (version 2.2.3 onwards), Windows (version 8.0 onwards) and Blackberry (version 5.0 onwards) operating systems. You can access the application from multiple handsets and / or tablets using the same CRN and MPIN.


How we protect you?

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.

Kotak Mobile Banking App uses a two factor authentication for logging in. Your device is your first factor and the MPIN that you create acts as the second factor of authentication, i.e. even if a fraudster gets hold of your device, he needs to enter your MPIN to do any transaction. Similarly, if a fraudster gets to know your MPIN, he cannot do any transaction unless he gets hold of a registered device (which can only be activated by sending the Activation Key from your registered mobile number)

Types of Mobile Fraud you need to be aware of

Lost / stolen devices

While the mobile phones and tablet devices are convenient to use, they're also easy to lose or steal and can put your account at risk. Although the fraudster cannot harm you unless he knows the MPIN and has  access to the registered device, please follow the following tips to be extra sure in case your device is lost or stolen :

  • Instantly call our Customer Contact Centre at 1800 102 6022 and get your device deactivated
  • Password-protect your device so it can't be accessed if the password is not known
  • Enable an automatic screen-locking mechanism to lock the device when it's not active

Online viruses and threats

Viruses, malware and other programs can infect mobile devices and steal your personal information and account details. If your tablet supports an anti-virus program, consider installing  an anti-virus software. Keep a backup of the device's data in case you  need to wipe the entire data on your deviceif it is lost or stolen.

Fake Mobile Banking App

Fraudsters may develop and publish fake mobile banking applications that look like official Kotak Mahindra Bank App which are designed to steal your Online Banking credentials. The following tips will help you recognize an unofficial Kotak Mahindra Bank App:

  • The developer of the application is not Kotak Mahindra Bank Ltd.
  • The app is being promoted on a third-party site, somewhere other than the official app store for your mobile device
  • There is a charge for downloading the app - Kotak Mahindra Bank does not currently charge for a Mobile App download, on any of the devices
  • In case of even the slightest  doubt, please visit app.kotak.com, where the authentic links to download the App are available for each device
  • Once the application is downloaded and installed, you will have to first generate the MPIN by clicking on "Create MPIN".
  • You will have to enter your CRN (Customer Relationship Number) and choose either "Net Banking" or "Debit Card" or "Credit Card" for authentication. For the Net Banking option, you will need to enter your Net Banking Password and for the Debit Card / Credit Card option, you will need to enter the 16 digit card number, Expiry Month & Year, Debit Card / Credit Card PIN and CVV (3 digit code on the back side of  card present at signature box).
  • Post successful validation, you can generate your 6 digit MPIN. After this you will receive an SMS with the Activation Key on your registered mobile number. To activate Mobile Banking on your handset, simply forward the complete SMS from your registered mobile number to 9971056767 / 5676788 or contact our 24 Hr Customer Contact Centre or visit your nearest Kotak Mahindra Bank branch.
  • Please note that you can register your CRN on multiple devices for accessing Kotak Mahindra Mobile Banking Application, using the same MPIN. However on one device, at a time, a maximum of 4 CRNs can be registered.
You can download the application in two different ways:
  • Download from app.kotak.com. Type the url in your mobile browser and the page will provide a link to download suitable version as per your device.
  • You can SMS "Mobile" to 9971056767 or 5676788 to receive the download link
  • You can directly go to respective application store (Apple App Store, Google Play, Windows Store or Blackberry World) and download the application
  • Please Note: If you want to access the older java based version of Kotak Mahindra Mobile Banking, click here
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