SMS Banking

Kotak Mahindra Bank's SMS Banking service enables you to access your bank account, investment account and demat account on your mobile phone.
It is quick and easy, available to you 24X7 and it's absolutely free!

  1. Get latest updates on your account balance, salary credits, large debits, large credits, holding value and much more
  2. Simply send the following SMS commands to get the latest updates

SMS commands

Kindly note following points before sending an SMS:

  • All the below-mentioned SMS requests should be sent through the registered mobile number only to the following codes to 9971056767 or 5676788. For your safety, we will not accept requests from any other mobile number.
  • To get the below list of keywords used for SMS banking on your registered mobile number you can sms HELP.
  • The keywords are NOT case-sensitive.i.e., BAL and bal, both will help you to know your account balance.
  • Please do NOT type any of the alphabets e.g., ‘A’,’B’,’X’ in the syntax after the request.e.g. BAL last 4 digits of your account number(please do not type B after BAL)
  • There should be a single space between each word in the syntax.
  • Details within round brackets "(",")" are mandatory values to be provided by the user.
  • PIN regeneration requests will be accepted through SMS; however, new PIN will be sent to your registered communication address via post only

SMS Banking is available for registered customers only.

Banking Accounts

RequestInformationMESSAGE FORMATEXAMPLE
Balance InquiryGives you the balance for the specified account number. BAL(space)Last 4 digits of Account Number

BAL 1234

Where 1234 is the last 4 digits of your account number
Last 3 TransactionsGives you the last three transactions in the specified account.   TXN (space)Last 4 digits of Account Number

TXN 1234

Where 1234 is the last 4 digits your Account Number

Last 3 months statement on emailGives you the Last 3 months E-statement on the registered email id.STMT(space)Last 4 digits of Account Number

STMT 1234

Where 1234 is the last 4 digits your Account Number

Statement on email for a particular month in the current financial yearGives you the E-Statement for a particular month in the current financial year on the registered email id.STMT(space)Last 4 digits of Account Number(space)First 3 letters of the month

STMT 1234 JAN

Where 1234 is the last 4 digits your account number,JAN First 3 letters of the month

Statement on email for any particular periodGives you the E-Statement for a particular period of any year on the registered email id.STMT(space)last 4 digits of Account Number (space) for Start period. First 3 letters of the month followed by last 2 digits of the year (space) for End Period. First 3 letters of the month followed by last 2 digits of the year

STMT 1234 FEB13 SEP13

Where 1234 is the last 4 digits your account number FEB13 SEP13 to check the statement on email of your this account from February 2013 till September 2013

Cheque Status InquiryGives you the Cheque Status Whether it is Paid or Unpaid.CHQSTATUS(space)Last 4 digits of Account Number(space) 6 digit cheque no

CHQSTATUS 1234 000512

Where 1234 is the last 4 digits your account number and 000512 is complete cheque number 

New Cheque Book RequestNew Cheque book will be generated and dispatched at the preferred registered address. Cheque book charges, if any, would be applicable as per charge schedule. For charges kindly refer charge schedule.CHQBOOK(space)Last 4 digits of Account Number

CHQBOOK 1234

Where 1234 is the last 4 digits your account number

Mobile App DownloadHelps you to download mobile banking applicationMOBILE(space)Last 4 digits of Customer Relationship Number

MOBILE 1234

Where 1234 is the last 4 digits of Customer Relationship Number

Interbank Mobile Payment Service (IMPS)

Mobile Money Identifier (MMID) Generation/RetrievalTo generate an MMID(Mobile Money Identifier)- a 7 digit code issued by participating banks to their customers for availing IMPS.MMID(space) Last 4 digits of Account Number. MMID 1234

Where 1234 is the last 4 digits of your account number.
MMID Cancellation for an accountTo cancel MMID(Mobile Money Identifier)for an accountMMIDREVOKE(space) 7 digit MMID of your account 

MMIDREVOKE 1234567

Where 1234567 is the 7 digit MMID of your account

MMID Cancellation for all accountsTo cancel MMID(Mobile Money Identifier) for all accountsMMIDCANCEL 

MMIDCANCEL

Blank/no account number mentioned means MMID for all accounts shall be cancelled

MMID ReinstationTo revive/reinstate MMID for a particular accountMMIDREINST(space) 7 digit MMID of your account 

MMIDREINST(space)1234567

Where 1234567 is the 7 digit MMID of your account

OTP generation-IMPS MIP transactionHelps you to authenticate/validate a merchant Induced Payment for an IMPS txnOTP(space)(MMID)(space)Last 4 digits of Customer Relationship Number

OTP 1234567 1010

where 1010 is the last 4 digits of Customer Relationship Number.

Investment Accounts

Know Your Account No.Gives you the Account number of your Investment A/c. MFACCT(space)Last 4 digits of Customer Relationship Number

MFACCT 1010

Where 1010 is the Last 4 digits of Customer Relationship Number

Holding ValueGives you the details of your holding Value in Investment A/c. MFBAL(space)Last 4 digits of Customer Relationship Number

MFBAL 1010

Where 1010 is the Last 4 digits of Customer Relationship Number

Demat Accounts

Know Your Account No.Gives you the Account number of your Demat A/c. DPACCT(space)Last 4 digits of Customer Relationship Number

DPACCT 1007

Where 1007 is the Last 4 digits of Customer Relationship Number

Holding ValueGives you the details of your holding Value in Demat A/c. DPBAL(space)Last 4 digits of Customer Relationship Number

DPBAL 1007

Where 1007 is the Last 4 digits of Customer Relationship Number

Locator

Know the nearest ATMGives information of all Kotak ATM addresses (both offsite and branch) as per postal code providedATM(space)6 digit postal code

ATM 400001

Where 400001 is your 6 digit postal code

Know the nearest BranchGives information of all Kotak Branch addresses as per postal code providedBRANCH(space)6 digit postal code

BRANCH 400001

Where 400001 is your 6 digit postal code

PIN Regeneration

Net BankingGives a confirmed receipt of your Net Banking Password generation that is sent to your registered mailing address.NETPIN(space)Last 4 digits of Account Number

NETPIN 1234

Where 1234 is the last 4 digits your account number

Phone BankingGives a confirmed receipt of your Phone Banknig Password generation that is sent to your registered mailing address.PHONEPIN(space)Last 4 digits of Account Number

PHONEPIN 1234

Where 1234 is the last 4 digits your account number

Debit CardGives a confirmed receipt of your Debit Card Password generation that is sent to your registered mailing address.DEBITPIN(space)Last 4 digits of Debit Card Number

DEBITPIN 5678

Where 5678 is the last 4 digits of your Debit Card Number

Debit Cards

Activation of Debit Card for use at Merchant EstablishmentsHelps to activate debit card to be used at merchant establishmentsPOSACT(space)Last 4 digits of Debit Card Number

POSACT 5678

Where 5678 is the last 4 digits of your Debit Card Number

 
  1. Existing Kotak Bank savings or current account holder
  2. The bank account should be registered for SMS Banking

 

 

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