Mobile Banking

811

Open a new zero balance 811 savings account in 5 mins.
Virtual debit card for 811 customers.
One click apply for #DREAMDIFFERENT debit card
Book an appointment for KYC
Add money to 811 account

Banking Services

Check balance of your savings & current accounts
View past transactionsAccount overview
Request for account statement
Open Term Deposit
Open Recurring Deposit
View Term & Recurring Deposits
Term Deposit Calculator
View Term Deposit Rates
Premature Withdrawal of FD/RD
View MMID
Modify MMID
Check your balance via virtual assistants Siri/Google Assistant
Kotak Offers

Transfers & Payments

Add a beneficiary for fund transfer
Modify a registered beneficiary
Search registered beneficiary
Select favourites
Edit transaction limits for beneficairy
Activate / deactivate a beneficiary
Transfer funds without registering beneficiary, through One Time transfer
Repeat past debit transactions by using 'Repeat' feature
Customer can send money back to payee using the ‘Pay’ functionality
Make NEFT / RTGS fund transfer
Kotak to Kotak fund transfer
Fund transfer between own accounts
IMPS fund transfer using account No / IFSC (P2A)
IMPS fund transfer using mobile No / MMID (P2P)
Schedule fund transfer post cut off time
View scheduled payments
Manage scheduled payments
Send reciept
Scan & pay
Send and receive money without entering bank information using UPI
Create a new UPI ID (VPA) for UPI transactions
Modify UPI ID (VPA)
Change the account linked to your Kotak UPI ID (VPA)
Create a UPI mandate
Accpet a UPI mandate
Revoke a UPI mandate
Modify a UPI mandate
View UPI Transfer history
Manage / View Collect request

Bill Pay & Recharge

Register for BillPay by going to corresponding category
Pay due bills
Make instant payments to your registered billers
Set auto pay to make payment automatically using Manage AutoPay
Mobile recharge
Browse mobile tariff special plans
Repeat past mobile recharges
DTH recharge
Repeat past DTH recharges
Pay electricity bill
Pay any credit card bill
Pay landline bill
Pay insurance premium
Pay broadband bill
Pay for Mutual Funds
Pay property tax
Pay water bill
Donate to charities
Pay gas bill
Pay rent
Pay for magazine subscriptions

Credit Card

View the summary of your Credit Cards
Pay your credit card bills
View past billed statements
View unbilled transactions
Balance transfer
Balance transfer on EMI
Convert transactions to EMI
Outstanding to EMI
Service requests
Use credit card to pay via Scan and Pay
Check your milestone progress
Redeem your milestone points against PVR coupons or reward points
Check redemption history

Investments

Purchase Mutual Funds (SIP / one time)
Redeem Mutual Funds
Keep a track of your investments
Get the latest NAV report
Check status of your transaction requests
View/cancel request

KayMall

Book domestic & international flight tickets
View flight booking history
Cancel flight booking
Make hotel reservations
Cancel hotel reservations
View hotel reservation history
Book bus travel
View bus booking history
Cancel bus bookings
Shop on Flipkart
Subscribe to magazines
Book Train tickets on IRCTC
Check PNR status
View and Cancel train bookings
Ola cab booking
Know offers on Kaymall

Service Requests

Debit card
- Activate/Deactivate Debit Card
- Regenerate PIN
- Switch Primary Account
- Report loss of card
- Set / Remove international usage facility for your card
Credit Card Requests
- Instantly generate PIN
- Request add-on card
- Auto debit
- Report lost / damaged Card
- Register for E-statements
- Card upgrade
- Card limit Increase
- Switch On / Off
Cheque Requests
- Request for cheque book
- Status enquiry of your cheque
- Stop cheque request
Demat Request
- Request Client Master List (CML)
- Request pledge Form
- Request nomination Form
- Request statement of transaction
- Request statement of holding
- Request Statement of billing
Account Related
- Activation / deactivation of passbook
- Deregistration of printed statement
- Upgrade account variant
- NACH cancellation
Profile Related
- Email ID update
- PAN update
- Aadhaar number update
- Nomination update
- FATCA declaration

Demat

Add ASBA beneficiary
View and edit ASBA beneficiary
Apply for ASBA through mobile
View past ASBA applications
Check your account overview
Check your account activity
View your holding details
Check open IPO issues
Cancel your transaction request

My Kotak

Select cards to personalise your home page and get all the information as per your convenience
Option to set MPIN Off and view account balance without logging in
View alerts & notifications
Contextual banner for showing customer specific offers
Frequently used features

Apply Now

Open online investment account instantly
Apply for a multicurreny Forex card
Apply for new credit card
Apply for new debit card
Apply for Image debit card
Buy a Kotak Gift Card for your loved ones
Apply for Bank+Demat+ Trading A/C
Apply for a current account
Apply For Card Protection Plan
Apply for Fastag
Store locator for Consumer Finance loan
Apply for personal loan
Apply for loan on credit card
Apply for a gold loan
Apply for a payday loan
Aply for two wheeler loan
Apply for a home loan
Apply for a Car loan
Apply for business loan
Apply for loan against securities

General

Change MPIN (Mobile Banking PIN)
Add / delete CRN
Set a profile picture to personalize your app
Chat with Keya
Approve net banking login
Help Centre
Track your package
Frequently asked questions
Locate branches, ATMs by city and Pincode
In-app search to easily find features within the app
Turn on/off biometirc authentication settings
Quick links on home screen for easy navigation to select features
Manage profiles
Contact us for all your customer queries
Link to download more Kotak apps
Read privacy policy
Links to follow Kotak Mahindra Bank on social media sites
Customer Contact Centre numbers and Email under Contact Us
Use MPIN while paying through Payment Gateway for online purchases

Loan

Check loan details of Salaried personal loan, home loan, loan against property, business loan, consumer durable loans
Check disbursement details
Installment details
Download forms
Statement request on email & download PDF
Loan FAQ
Contact us
Repayment overview
Download / Email repayment schedule

Insurance

My Policies
Two wheeler insurance
Health insurance
Motor insurance
Accident Protect for 811
Smart Cash for 811
Secure One for 811

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 - Google Play Store, Apple App 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 app.kotak.com to download the authentic apps of Kotak Mahindra Bank

Frequently Asked Questions

How do I get the Kotak Mobile Banking App?

Download the Kotak Mobile Banking app from app.kotak.com or go to application stores - Apple App Store / Google Play Store You can also SMS 'Mobile' to 9971056767 / 5676788 to receive the link on your registered mobile number.