BHIM UPI

• Click on 'BHIM UPI' present in 'My Kotak' section or 'Banking' section
• In the 'BHIM UPI' menu, go to 'Manage VPA' and click on 'Create VPA'
• Select the account that you want to link with your VPA *
• Enter a new VPA in the space provided and check its availability
• Click on 'Create VPA' and confirm the details
• Your VPA will be created and ready to use

* In case of existing VPAs, it will be displayed automatically.

• Click on 'BHIM UPI' present in 'My Kotak' section or 'Banking' section of the Kotak Mobile App
• In the 'BHIM UPI' menu, navigate to 'Send Money'
• Select your mode of Payment – 'Pay to VPA' or 'Pay to Account'

To Send Money to a VPA/ UPI ID:

• Select the VPA from where you want to make the payment
• Enter the VPA of beneficiary, Amount, Remarks and click on Submit
• Confirm the details and payment is done

To Send Money to a Bank Account

• Select your VPA from where you want to make the payment
• Enter the Beneficiary Account Number, IFSC Code, Amount, Remarks and Submit
• Confirm the details and payment is done

• In the BHIM UPI menu, navigate to 'Request Money'
• Select the VPA from where you want to make the payment
• Enter the VPA from where you want to request funds, Amount and Remarks
• Submit and confirm the details

Money request will be sent to the specified VPA and the receiver will have to approve the request to complete the payment

You can check the money requests pending on you as well as those initiated by you in the 'Pending Money requests'.

Look for the Bharat QR/UPI QR code at the billing counter

• Login to Kotak Mobile Banking app in your smartphone, using your fingerprint or your 6-digit mPIN
• Click on the BharatQR Scan & Pay icon to initiate the payment
• Scan the QR code
• Select your account/ UPI ID and enter the exact amount you need to pay the merchant
• Authenticate the transaction with your mPIN (passcode)

** Scan & Pay through QR code at selected in-store outlets

• Login to your favourite merchant app
• On the payment page, Select UPI as your payment mode and then select Kotak Bank
• You will be re-directed to the Kotak mobile banking app. Just use your fingerprint or your 6-digit mPIN to be verified
• Check and review the amount
• Confirm the transaction with your mPIN (passcode)

*** UPI checkout feature is only available on select merchant apps

• Enter your Kotak UPI ID on the payment page of merchant app/ website
• Login to Kotak app and approve the pending request under BHIM UPI section