Mobile Banking

The MyKotak screen which is the landing page / Home Page of the Mobile Banking app now has a new design. This is a fresh look to improve experience and for easy discovery of features in the app.

This new page is currently available only on Android Phone (new App version 5.0)

What’s new:

See your Account and Credit Card Balance on top of the page.
You can check your Account / Credit Card balance from the home screen without need to enter MPIN. This functionality can be activated by switching MPIN requirement to ‘OFF’ from Edit My Kotak page in Settings.
You can also personalize the home page by changing order of the cards on the home screen.
Frequently Used: Based on your usage, you will see 4 most frequently used features on top of the page.
Different cards on Home Page: A user-centric listing of different products & services to improve visibility and easy discovery of all major features.

811

Open a new zero balance 811 savings account in 5 mins.
Virtual debit card for 811 customers.

Banking Services

Check balance of your Savings & Current accounts
View past transactions
Account Overview
Open Term Deposit
Open Recurring Deposit
View Term & Recurring Deposits
Request for account statement
View MMID
Modify MMID
Term Deposit Calculator
View Term Deposit Rates
Purchase Health Insurance through the app

Transfers & Payments

Add a beneficiary for fund transfer
Modify a registered beneficiary
Register Beneficiary from past one time transactions
Transfer funds without registering beneficiary, through One Time transfer
Repeat past transactions made through One Time Transfer
Search registered beneficiary
Select Favourites
Make NEFT / RTGS fund transfer even after the cut-off time
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 VPA for UPI transactions
Change the account linked to your Kotak VPA.
View UPI Transfer history
Manage / View Collect request

Bill Pay & Recharge

Register for BillPay using Add biller
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

Credit Card

View summary of your Credit Cards
Pay your Credit Card bills
View past billed statements
View unbilled transactions
Balance Transfer
Convert transactions to EMI
Service Requests
Cashless payment at POS using mVisa
Outstanding to EMI
Balance Transfer on EMI

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
Cancel your transaction request

KayMall

Book domestic & international flight tickets
View flight booking history
Cancel flight booking
Make hotel reservations
View hotel reservation history
Book bus travel
View bus booking history
Shop on Flipkart and Shopclues through e-commerce
Subscribe to magazines
Cashless payment at POS using mVisa
Book Train tickets on IRCTC
View and Cancel Train bookings
Mobile Pay

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
- Image Debit 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
- Change of Home Branch
Profile Related
- Email ID Update
- Mobile Number Update
- PAN Update
- Aadhaar Number 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

My Kotak

Select widgets to personalise your home page and get all the information in one place
Option to set MPIN Off and view certain information without logging in
View alerts & notifications
Get One View of all accounts

Apply Now

Apply for a new Credit Card
Apply for a new 811 account
Apply for Loan on Credit Card
Apply for Personal Loan
Apply for MyImage Debit Card
Apply for 3 in 1 account
Apply for debit card

General

Change MPIN (Mobile Banking PIN)
Add / Delete CRN
Customer Contact Centre numbers and Email under Contact Us
Set a profile picture to personalize your app
Links to follow Kotak Mahindra Bank on social media sites
Frequently asked questions
Locate nearby branches and ATMs
Locate branches, ATMs by city and Pincode
Use MPIN while paying through Payment Gateway for online purchases
In-app search to easily find features within the app
Quick links on home screen for easy navigation to select features
Message Board: A widget in home screen for contextual messages to customer
Use fingerprint authentication/TouchID/Face ID to login
Turn on/off biometirc authentication settings
Aadhaar Number Seeding - Seed your Savings Account with your Aadhaar Number for Direct Benefit Transfers (DBT)

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 app.kotak.com to download the authentic apps of Kotak Mahindra Bank

Frequently Asked Questions

How do I get the Kotak Mobile Banking App?

You can download the Kotak Mobile Banking App from app.kotak.com 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.