Management Co. Ltd. Kotak Securities Ltd.
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We have the most advanced security system to safeguard your Net Banking transactions. All your transactions travel via 128-bit SSL encrypted medium, (the industry standard for encrypted communication) and our servers are protected with measures like firewalls, access controls. Thus our bank is taking all due precaution to prevent unauthorized access to the Bank's servers and to ensure that your information and transactions on Kotak Mahindra Net Banking remains confidential.
At customer level, every customer is provided with a unique User ID and password. In addition, we make sure that
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.
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.
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.
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
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.
Vishing - Vishing is a combination of Voice and Phishing that uses Voice over Internet Protocol (VoIP) technology wherein fraudsters feigning to represent real companies such as banks attempt to trick customers into providing their personal and financial details over the phone.
In this trick, fraudsters call up customers through an automated dialer through a computer-modem. Once the phone is answered, an automated recording is played to inform customer that customer's bank account had an illegal activity and customer should call the recorded phone number immediately.
Once the customer calls up the recorded number, he is asked to enter his confidential information such as Account No, User ID, Password, Date of birth etc on phone keypad. Once the customer enters the required details the fraudsters have all the confidential information required to carry out transactions in the customer's account.
Vishers generally do not have any actual information regarding customer and would address customer as 'Sir' or 'Madam' and not by their actual name.
Identity Theft - Identity theft is a crime in which fraudsters try to obtain key pieces of your personal information such as date of birth, mother's maiden name, passport number, etc. in order to gain access to your bank account, make online purchases or illegally apply for New Account /Credit Card. Fraudulent Web-sites/E-mails, misplaced account statements or personal documents, impersonation as bank staff are some of the tools used by fraudsters to gain access to customer's personal information. Revealing personal information to unknown entities puts your account at risk.
By using gathered personal information, fraudsters carry out transactions through banking channels such as Phone Banking, Internet Banking to their benefit. In a worst case scenario, they can also transfer funds from your account.
Nigerian Fraud (419 Scam) - Nigerian fraud refers to fraudulent schemes which starts with bulk mailing/e-mailing of offers asking the recipients to enter into a business or to extend help in getting money transferred in return for huge commission. The scam is referred to as '419 Scam' after the section 419 of Nigerian Penal Code.
The Nigerian fraud emails commonly have proposals such as transfer of funds, generous reward for helping to move large balance of funds or offer of disbursement of money from 'Will'.
Such mails would generally display a sense of urgency and ask for bank account and other details. These mails may also ask the recipient of the letter or email message to pay something like a fee / tax / bribe to complete the deal - this is the Advance Fee. Such an advance fee is always lost.