Mobile Banking

1860 266 2666

Local call rates apply

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.

Download Our Mobile Banking App

Download link for the app has been successfully sent to 9999999999

  • Banking Services

    1. Check balance of your Savings & Current accounts
    2. View past transactions
    3. Account Overview
    4. Open Term Deposit
    5. Open Recurring Deposit
    6. View Term & Recurring Deposits
    7. Add a beneficiary for fund transfer
    8. Modify a registered beneficiary
    9. Register Beneficiary from past one time transactions
    10. Transfer funds without registering beneficiary, through One Time transfer
    11. Repeat past transactions made through One Time Transfer
    12. Search registered beneficiary
    13. Make NEFT / RTGS fund transfer even after the cut-off time
    14. Kotak to Kotak Fund Transfer
    15. Fund Transfer between own accounts
    16. IMPS Fund Transfer using Account No / IFSC (P2A)
    17. IMPS Fund Transfer using Mobile No / MMID (P2P)
    18. IMPS Fund Transfer for Merchant Transactions (P2M)
    19. Transfer money by using beneficiary's mobile number with Message Money
    20. Request for account statement
    21. Schedule Fund Transfer post cut off time
    22. View MMID
    23. Modify MMID
    24. Generate OTP for IMPS P2M (Merchant Transactions)
    25. Term Deposit Calculator
    26. View Term Deposit Rates
    27. View Scheduled Payments
    28. Select customers can apply for pre-approved personal loan
  • Bill Pay & Recharge

    1. Register for BillPay using Add biller
    2. Pay due bills
    3. Make instant payments to your registered billers
    4. Set auto pay to make payment automatically using Manage AutoPay
    5. Mobile recharge
    6. Browse mobile tariff special plans
    7. Repeat past mobile recharges
    8. DTH Recharge
    9. Repeat past DTH Recharges
  • Credit Card

    1. View summary of your Credit Cards
    2. Pay your Credit Card bills
    3. View past billed statements
    4. View unbilled transactions
    5. Balance Transfer
    6. Convert transactions to EMI
    7. Request Add on Card
    8. Set-up auto debit for bill payment
    9. Report Lost / Damaged Card
    10. Regenerate Credit Card PIN
    11. Register for e-statement of your Credit Card
    12. Select customers can upgrade to a new Credit Card
    13. Select customers can increase credit limit of their credit card
  • Investments

    1. Purchase Mutual Funds (SIP / One Time)
    2. Redeem Mutual Funds
    3. Keep a track of your investments
    4. Get the latest NAV report
    5. Check status of your transaction requests
    6. Cancel your transaction request
  • mStore*

    1. Book domestic & international flight tickets
    2. View flight booking history
    3. Cancel flight booking
    4. Make hotel reservations
    5. View hotel reservation history
    6. Book bus travel
    7. View bus booking history
    8. Shop on Flipkart through e-commerce
    9. Cancel bus/hotel booking
    10. Book Movie Tickets at PVR
    11. Pay to offline Merchants via mobilePay
    12. Buy Adventure Sports gear or book tours
    13. Subscribe to magazines
  • Service Requests

    1. Request for cheque book
    2. Status enquiry of your cheque
    3. Stop cheque request
    4. Switch primary account of your Debit Card
    5. Report loss of card
    6. Instantly Activate/Deactivate your Debit Card
    7. Set / Remove international usage facility for your card
    8. Instantly regenerate Debit Card PIN
  • Demat*

    1. Add ASBA beneficiary.
    2. View and Edit ASBA beneficiary
    3. Apply for ASBA through mobile.
    4. View past ASBA applications.
    5. Check your account overview
    6. Check your account activity
    7. View your holding details
    8. Request Client Master List (CML)
    9. Request Pledge Form
    10. Request Nomination Form
    11. Request Statement of Transaction
    12. Request Statement of Holding
    13. Request Statement of Billing
  • My Kotak

    1. Select widgets to personalise your home page and get all the information in one place
    2. Option to set MPIN Off and view certain information without logging in
    3. View alerts & notifications
    4. Get One View of all accounts
    5. View social and transaction points in your JiFi account
  • General

    1. Change MPIN (Mobile Banking PIN)
    2. Add / Delete CRN
    3. Customer Contact Centre numbers and Email under Contact Us
    4. Set a profile picture to personalize your app
    5. Links to follow Kotak Mahindra Bank on social media sites
    6. Frequently asked questions
    7. Locate nearby branches and ATMs
    8. Locate branches, ATMs by city and Pincode
    9. Use MPIN while paying through Payment Gateway for online purchases

*This feature is currently available only on Android & iPhones


Expand All

How do I get the Kotak Mobile Banking App?

You can download the Kotak Mobile Banking App from or go to the app store on your device (Apple App Store / Google Play Store / Blackberry World / Windows Store). You can also SMS Mobile to + 91 9971056767 / 5676788 to receive a link of the app on your registered mobile number.

What type of handset do I need to use the Kotak Mobile Banking App?

Kotak Mobile Banking App is supported on GSM / CDMA phones. The app is available in iOS (version 4.3 onwards), Android (version 2.2.3 onwards), Windows (version 8.0 onwards) and Blackberry (version 5.0 onwards) operating systems. You need to have access to internet to use the app.

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

Yes. Mobile Banking access is not related to Net Banking. You can register for Mobile Banking using your active Credit or Debit Card details.

What precautions do I need to take while using Mobile Banking?

  • Memorize your MPIN and do not write it anywhere. Please don't disclose your MPIN to anyone, including Kotak Mahindra Bank staff
  • Change your MPIN at regular intervals
  • Do not use obvious numbers like date of birth, mobile or landline number, etc. as MPIN

Will I be charged for using the app?

Mobile Banking app is absolutely free. There are no charges levied by the bank. However standard internet usage charges are applicable as levied by your service providers.

Can I track the accounts of my family members from one device?

Yes. You can register the accounts of your family members on one device. You can add upto 10 CRNs on a single device.

What is a primary CRN?

The administrator of the Mobile Banking app in a device is termed as "Primary CRN". By default, the first CRN (Customer Relationship Number) added on the device will become the primary CRN. You can change the admin (primary CRN) in Settings.

Please note: 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 available on the login page or use the "More" menu.

How do I delete a CRN from the device?

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

How do I change the Primary CRN?

Only the primary CRN has the right to change this. Go to Settings > Manage Profile > What's next step to change the Primary CRN. The MPIN of the CRN which is being changed to Primary CRN will also be required to complete this change.

When my CRN gets locked, what should I do?

Your CRN gets locked when you enter wrong MPIN 3 times consecutively. To unlock, use Forgot MPIN option in the More Menu. Alternately, the CRN will get unlocked automatically after 12 hours.

If I forget my MPIN, what do I do?

You can use the "Forgot MPIN" option in the More Menu to generate a new MPIN. You have to 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 App again?

Yes, in case you change your handset, you will have to install the Kotak Mobile Banking App on your new handset and register the app in the device. Once registered, you can access your accounts from the new handset. You can access your accounts from multiple handsets and tablets using the same CRN and MPIN.

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.

How do I customise the My Kotak home page in the Kotak Mobile Banking App?

You can customise your Home Page to view the information of your choice from a list of widgets. You have the option to view selected account related information without logging in by setting MPIN off. The personalization option is available for Android, Blackberry 10, iOS and Windows.

Note: We have rationalized the list of widgets in order to improve the app performance.

How can I view my account balance without logging in?

Go to Settings > Edit My Kotak and switch MPIN off for Account Overview. You can set MPIN off for a host of account related details and view them when you launch the app without logging in.

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


I forgot my Debit/Credit Card PIN? How do I regenerate a PIN?

Go to Service Requests section in the app and select Debit Card requests or Credit Card requests, enter card details and regenerate PIN.

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

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. If your card is not shown in the menu, it could be due to your card being permanently allowed or permanently blocked for International usage. Please contact the Customer Contact Centre at 1860 266 2666 for the complete details of your card. This feature is currently available for Android, iOS and Windows devices.

Fund transfer

When can I transfer funds?

You can transfer funds 24x7 and instantly through IMPS using IFSC and Account Number. You can also do NEFT / RTGS fund transfers. 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 through Kotak Mobile Banking App?

Yes. Select the Banking menu in the Kotak Mobile Banking App and then click on Add/Manage Beneficiary. Here you can add a new beneficiary, search for existing beneficiaries, edit details and activate/delete different transfer types. This feature is available only on Android.

Will beneficiary details remain the same on both Kotak Mobile Banking and Net Banking?

Yes. The beneficiary details will remain the same in Kotak Mobile Banking and Net Banking. Once you add/edit/delete/activate beneficiaries from any one of the channel, the change will reflect on the other channel as well.

I use "One Time Fund Transfer" feature to transfer funds, without adding beneficiaries. Can I still do the same?

Yes, you can still use the "One Time Fund Transfer" feature to transfer funds without adding beneficiary. But, there is also an option to add beneficiaries from your previous "One Time Fund Transfer" transactions using the Add Beneficiary feature mentioned above.

Can I send money immediately after adding a beneficiary?

You can transfer up to Rs. 50,000, immediately after adding a beneficiary. For transfers above Rs. 50,000, you can send after 24 hours as per details mentioned below;
IMPS - Up to Rs. 2 Lakhs
NEFT - Up to Rs. 5 Lakhs
RTGS - Rs. 2 Lakhs to Rs. 5 Lakhs

How many beneficiaries can I add in a day?

Unlimited beneficiaries can be added in a day but only 5 can be activated.

Can I track the accounts of my family members from one device?

Yes. You can register the accounts of your family members on one device. You can add up to 10 CRNs on a single device.

One time transfer without adding beneficiary

How to transfer funds to someone who is not added as a beneficiary?

You can transfer funds to someone who is not registered as a beneficiary from "One time transfer without adding beneficiary" section. Go to Transfer Money > One time transfer without adding beneficiary. You can also view and repeat the One Time payments done in the past using "View & Repeat Transfers" button.

What is the maximum amount I can transfer using One time transfer without adding beneficiary?

You can transfer a maximum of Rs. 50,000/- per transaction and a maximum of Rs. 1 Lac per day using One Time transfer without adding beneficiary.

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

You can choose the IFSC of a few selected banks from the "Select Bank" link while making a NEFT / IMPS Fund Transfer.

Message Money

What is Message Money?

You can send money to anyone with just their mobile number using Message Money. You don't need to know your friend's Bank Account number or IFSC. This feature is available on Android and iOS.


Can I add a biller through the Kotak Mobile Banking App?

Yes. You can add or delete a biller by going to Bill Pay > Add / Delete Biller. This feature is available on Android phones.

What is AutoPay? How does it help me?

AutoPay allows you to get your bills paid automatically. You can also set and modify AutoPay by going to BillPay > Set / Modify AutoPay. The billers added through Mobile Banking can be seen on Net Banking as well. This feature is available on Android phones.

Can I recharge my mobile number on the Kotak Mobile Banking app?

Yes, you can recharge any prepaid mobile number on the app. You can even choose from the list of recharge tariff plans shown.


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

You can book flight tickets and hotel rooms from mStore. You can book, cancel, view your bookings from here. mStore is available on Android and iOS phones.

How do I cancel a Flight/Hotel/Bus booking using Kotak Mobile Banking App?

Flight tickets and Hotel reservations booked from mStore can be cancelled from the Kotak Mobile Banking App or from Goibibo Customer Care at 0124-6777003. Bus booking can be cancelled only by contacting Goibibo Customer Care at 080-30970807. You cannot access / cancel the booking through Goibibo's website.

Who do I need to contact for my Flight or Hotel booking, cancellation or refund queries?

For any query related to flight and hotel booking, cancellation or refund status, contact Goibibo contact centre at 0124-6777003 or mail us on

How can I book Movie and Events tickets?

You can book movie tickets at PVR cinemas from mStore. You can also buy food and beverages while booking tickets. You can view tickets once booked. You will also receive booking details on your registered email Id and registered mobile number.

How do I cancel a Movie ticket?

You cannot cancel a ticket once booked. If any show is cancelled you can connect to PVR customer care at 8800900009 between (9:00 am to 10:00 pm) or Email at

Where can I use mobilePay?

MobilePay can be used to make payments to offline merchants. You can also make payments to merchants where it displays mobilePay acceptance.

How can I make payment using mobilePay?

You can go to mobilePay in mstore section of Kotak Mobile Banking App. Choose your city and location if GPS is off. This auto-displays list of nearby merchants. Enter amount and make payment. If the merchant is not displayed in the list, just check for QuikID at merchant's location, enter amount and make payment.

How do I cancel/refund a transaction on mobilePay?

You cannot cancel or refund a transaction as it is a bill payment to merchant. However for any queries you can connect to Email - or Call on +91-808-081-0099

How Can I Buy or Shop on mStore ?

You can go to the Shopping tile on mStore. Select your product on Flipkart. Login through your email iD registered on Flipkart and password once. Enter payment details and it's done.

Who do I contact for returns and refund of products bought at Flipkart on mStore?

You can cancel orders or initiate refunds from Kotak mStore. However, any queries regarding the same need to be addressed to Flipkart call centre 1800 208 9898.

How can I subscribe to magazines?

You can go to mStore in Kotak mobile Banking App. Select Magazine Subscription and can subscribe to listed magazines from IndiaMags.

Who do I contact for cancellation and refund queries in magazine subscription?

You can connect to IndiaMags call centre on 022-2879 7635 or can email at


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

Add the "Offers" and "Kotak JiFi" widget to your "My Kotak". Go to Settings > Edit My Kotak for the same. Once added, you can see your Jifi Social and Transaction points within the App. This feature is currently available for Android, iOS and Windows devices.

Where can I view my notifications sent to the app?

Get your transaction alerts and other updates in the Mobile Banking App via push notifications. 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.

How do I turn off push notifications?

If you have an Android or Windows device, you can turn it off from the app. Go to Settings from the More menu of the app and Enable/Disable Push notifications.

If you have an iPhone/iPad, you can turn it OFF from the phone settings. Go to Settings > Notification Centre on your phone/tablet and Enable/Disable push notifications.

Please note that the Push Notifications are available only for the Primary CRN. This feature is currently available for Android, iOS and Windows devices.

Kotak Mobile Banking app is safe and secure

Kotak Mobile Banking platform uses the secured HTTPS protocol for communication between the mobile client and the mobile server. This ensures all your transactions are encrypted and completely secure.

Kotak Mobile Banking App uses two factor authentications. Two-factor authentication is a security mechanism that requires two types of credentials for authentication and is designed to provide an additional layer of validation, minimizing security breaches.

Kotak Mobile Banking App requires a login password (MPIN) for performing any transaction. Also when you download the app and register it on your device, you will receive an activation code on your registered mobile number. Without this code you cannot activate the app on your device.

Our mobile banking platform uses secure 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. This is a highly secured environment to conduct your transactions. Additionally, all application related information stored in the device is encrypted.

Types of Mobile Fraud you need to be aware of

Lost / stolen devices

Although mobile phones and tablets are convenient to use, they are also easy to lose and can put your account at risk. We recommend the following precautions:

  • Never share your MPIN with anyone
  • In case your device is lost or stolen, call our Customer Contact Centre (1860 266 2666) immediately and get your mobile banking app deactivated in that device
  • Protect your device with a password so that it cannot be accessed by others without having access to your device's password
  • Set automatic screen-lock on your device when it is not active
  • Protect your devices from online viruses, malwares and threats using anti-virus software
  • Avoid routing your device as such devices are prone to higher risk

Fake Mobile Banking App

Fraudsters may develop and publish fake mobile banking applications that look like the official Kotak Mobile Banking App to steal your online banking credentials. The following tips will help you recognize a fake app:

  • Check the developer of the application. The app store will show Kotak Mahindra Bank Ltd. as the developer only for the official app.
  • Download the app only from the registered app stores like Google Play Store, Apple App store, Blackberry World or Windows Store
  • Kotak Mobile Banking app is a free app. If you find any paid app for Kotak Mahindra bank, please report it to the bank immediately.
  • You can also visit to download the authentic apps of Kotak Mahindra Bank

Registering on Kotak Mobile banking app is very simple. Watch this video to guide you on the steps:

  1. Download Kotak Bank app from or from Google Play Store/Apple App Store/Windows Store/Blackberry World on your smartphone
  2. Login with your Customer Relationship Number (CRN). You can find your CRN from your Debit/Credit card.
  3. Authenticate using your Debit / Credit Card details or Net Banking password
  4. Set a 6-digit MPIN
  5. Enter the activation code sent to your registered mobile number to complete the registration process. In case you use an iPhone or an Android tablet or an iPad, you will have to forward the activation code to 9971056767 / 5676788.
Register for Alerts & Services
Apply for Products
Tools & Calculators