SMS Banking

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1800 102 6022

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!

Kotak Bharat Banking App

Download from app.kotak.com

Kotak Mahindra Bank's inclusive banking app is powered by SMS.

Key features:

  • Access your Savings or Current Accounts and Credit Cards from anywhere
  • Available on Android
  • It's safe, as it works only through the mobile number registered with the bank and allows only basic banking and recharge transactions.
  • No PIN or password is required to access this app.
  • All requests are processed by SMS and do not require internet access to transact. Standard SMS charges will apply.
  • 23 banking transactions including prepaid mobile/DTH recharge
  • Link your Aadhaar (UID) to bank account
  • Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
  • Available in English, Hindi, Gujarati, Marathi ,Kannada & Tamil

How to get started:

  • Download the app from Google play store on the device having mobile number registered with Kotak Mahindra Bank and start using it.
  • No separate registration required for using this app. This app does not require any password or PIN to operate.
 
  1. Existing Kotak Bank savings or current account holder
  2. The mobile number should be registered with the Bank.

 

 

Expand All

What is Kotak Bharat Banking App?

Kotak Bharat Banking App lets you keep track of your bank account and credit card. It triggers SMS to complete the transactions and even works when you are not connected to the internet.

What can I do on the Kotak Bharat Banking App?

You can do 23 different things on Kotak Bharat Banking App.

Banking:
  • View Account Balance
  • Request last 3 transactions
  • Request for Statement
  • Request for Cheque Book
  • Change Debit Card PIN
  • Block Debit card
Credit Card:
  • Application Status
  • View Outstanding Amount
  • View last 3 card transactions
  • View available credit limit
  • View last payment
  • Generate OTP for IVR Payments
Recharge
  • Prepaid Mobile
  • DTH
General
  • Know your CRN
  • Link your Aadhaar
  • Apply for Life Insurance
  • Apply for Accident Insurance
  • Request Net Banking PIN
  • Contact us
  • Find ATM
  • Find Branch
  • Select Language
  • Save last four digits of your CRN / Account / Debit Card / Credit Card for repeat use
  • Download other Kotak Apps

Who can use this app? How can I register for the Kotak Bharat Banking App?

All Kotak customers holding bank account and / or credit card can download the app on their registered mobile number and get started. NRI customers can also use this app. There is no separate registration process required for this app.

What is the difference between Kotak Bharat Banking App and Kotak Mobile Banking App?

Kotak Bharat Banking App is made for customers who have limited internet access on their phones. It uses SMS to complete your transactions and does not need internet connectivity for using the same. There is no registration or login process. The app is used from registered mobile number only.

Kotak Mobile Banking App is made for all smartphones and requires internet for accessing and to complete the transactions. It requires registration and creation of MPIN to login. The app can be used from multiple devices after authentication.

How secure is Kotak Bharat Banking App?

Kotak Bharat Banking App works only through the mobile number registered with the bank. The app allows only basic banking and recharge transactions.

What are the charges for Kotak Bharat Banking app?

Kotak Bharat Banking App can be downloaded for free from Google Play store or app.kotak.com. There are no charges levied by the bank to use the app. Since the app uses SMS to complete the transactions, standard SMS charges will apply as per your mobile tariff plan. Downloading the app from App Store will require internet and standard internet charges will apply as per your service provider.

What type of handset is required to use Kotak Bharat Banking app?

Kotak Bharat Banking App works on Android phones with version 2.2.3 onwards.

If I change my handset, can I use the app?

As long as you use your registered mobile number and an Android device, you can access the Kotak Bharat Banking App.

Can I use this app to check other CRN?

You can use the app only from your registered mobile number for the CRNs linked to this number.

Will it work on Dual SIM phones?

Yes it will work. Ensure that you have selected the registered mobile number for sending SMS in your device.

  • The app works only from your registered mobile number.
  • It does not require any login or MPIN to operate.
  • For every transaction, the app initiates an SMS to +91 9971056767 (Kotak Mahindra Bank's SMS Banking number) to fetch the details
  • Standard SMS charges apply

SMS Banking keywords

  • SMS requests to be sent from your registered mobile number to 9971056767 or 5676788.
  • Standard SMS charges apply
Sr. No.TransactionKeyword
1Account balanceBAL
2Last 3 transactionsTXN  <Last 4 digits of Account Number>
3Last 3 months statement on emailSTMT <Last 4 digits of Account Number>
4Statement on email for a particular month in the current financial yearSTMT <Last 4 digits of Account Number> <First 3 letters of the month>
5Statement on email for any periodSTMT <Last 4 digits of Account Number> <Start period: First 3 letters of the month followed by last 2 digits of the year>  <End Period: First 3 letters of the month followed by last 2 digits of the year>
6Cheque Status InquiryCHQSTATUS <Last 4 digits of Account Number> <6 digit cheque number>
7New Cheque Book RequestCHQBOOK <Last 4 digits of Account Number>
8Download Mobile AppMOBILE
9Know your Customer Relationship Number (CRN)CRN
10Link your AADHAAR to your Kotak bank accountAADHAAR <12-digitAadhaar number> <Last 4 digits of Account Number>
11Generate / Retrieve your Mobile Money Identifier (MMID)MMID <Last 4 digits of Account Number>
12Cancel MMID for an accountMMIDREVOKE <7 digit MMID of your account>
13Cancel MMID for all accountsMMIDCANCEL
14Reinstate MMIDMMIDREINST <7 digit MMID of your account>
15Generate OTP for IMPS Merchant Induced Payment(MIP) transactionOTP <MMID> <Last 4 digits of Customer Relationship Number>
16Know Your Investment Account NumberMFACCT <Last 4 digits of Customer Relationship Number>
17Holding Value of Investment accountMFBAL <Last 4 digits of Customer Relationship Number>
18Know Your Demat Account NumberDPACCT <Last 4 digits of Customer Relationship Number>
19Holding Value of Demat accountDPBAL <Last 4 digits of Customer Relationship Number>
20Nearest ATMATM <6 digit pincode>
21Nearest BranchBRANCH <6 digit pincode>
22Regenrerate Net Banking PINNETPIN <Last 4 digits of Customer Relationship Number>
23Regenerate Phone Banking  PINPHONEPIN <Last 4 digits of Customer Relationship Number>
24Regenerate Debit Card PINDEBITPIN <Last 4 digits of Debit Card Number>
25Activate Debit Card for use at merchant establishments (POS)POSACT <Last 4 digits of Debit Card Number>
26Block Debit CardDCBLOCK <Last 4 digits of Debit Card Number>
27Unblock Debit CardDCUNBLOCK <Last 4 digits of Debit Card Number>
28Recharge your mobileREC <Mobile Number> <Telecom service provider> <Amount> <Last 4 digits of Account Number>
29Recharge your DTHDTH <Subscriber Number> <DTH service provider> <Amount> <Last 4 digits of Account Number>
30Pay billPAYBILL < BILL ID> <CRN> <Last 4 digits of Account Number> <Amount>
31Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)JYOTI <Nominee Name>
32Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)SURAKSHA <Nominee Name>
33List of SMS banking keywordsHELP
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