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.

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

Mobile Banking App is supported on your smart phones. The app is available in iOS (version 8.0 onwards), Android (version 5.0.0 onwards) operating systems. You need to have access to internet (mobile data / Wifi) 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?

Following are the precaution that neess to be taken: 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.

Security – Kotak Mahindra Bank

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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

Checksum

Kotak Bank App (New)

Platform	Version	Checksum - SHA-256
Android	1.41.269	cf26551c48face80e7d9de45a2b965dbe872f72e4e1ad912c 32d17fcf508728a
Android	1.40.261	d570b57712f9def358814ecacace289ddd98f7d084376d3a9 7353a06df7d36ef
Android	1.39.259	8b016ba2546152d8d2eee9fb55f5e891b157d6c31e6b7be1172af16ad7aa0a1b
Android	1.38.254	c951498fb5bb9450bfe1033f6b4c704fb57f9f1fa55ab6c72a 439ee1a560bbf6
Android	1.37.251	7f151e1c1ef2925eedf3196dbf21f370b8c43a5ac8895cf7e0 1bf6981d196c1b
Android	1.36.241	d303ac2ab9dad90eb22ee224a8a728cc3d92e62ade919c1f 930893590e76b29f
Android	1.35.233	9599d9b6176db1b22c731ad3440d30993847d8148a9d253 4539af666e7031091
Android	1.34.228	fc90f0c80d6be4ae4226ce9de1d2b834535cf05ad0bdbe19d c3dfe62669d812a
iOS	1.41.11	a06baa554bd1bc7076252d26ec2c598714ab7d39282bd0fd80e7cd38e61c535f
iOS	1.40.2	ac0c7c1c65a6de19694ea720b7c687155874ace0d39e24b5 0b6e1f5d2e003c66
iOS	1.39.4	68f1499b1cac10dd766d285b1193563060cf3a5e177c7863cee692202eac6b41
iOS	1.37.12	3dbc2d528e148bb4b244cbbe3420d1bd519d053881b0347 c92f6c4f8f1491e7d
iOS	1.36.8	b4a963ccd689a38c743d5ffd26a5368901e9c01bbb72867d 84051eab26596967
iOS	1.35.5	1f050ee2a0050ae3d67dd2bd35c15193a89422c3dc2359cb 48b925130b89d07e
iOS	1.34.4	97723883be47c3527441f07d381423e42d057e645d481c82 0778f574a6381d22

Kotak Bank App (Old)

Platform	Version	Checksum
Android	5.6.9	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.8	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.7	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.6	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.5	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.4	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.3	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
Android	5.6.2	MD5: 0A:EB:C3:24:56:E2:06:D1:3B:D3:66:DD:71:B6:AE:AD SHA1: 70:FA:22:EE:ED:A1:78:3C:F1:53:E2:95:5E:0D:D9:24:F8:F6:8D:73 SHA-256: 01:3C:44:65:B4:EE:50:1E:E3:30:86:BF:CA:2F:DA:4F:47:2A:B3:01:58:ED:F9:96:AF:88:32:E8:C7:DE:9A:E3
iOS	5.5.7	MD5: e9afe7a5ab79094b1ec9355233fba435 SHA1: 12a8f12e57b6b0c8dd89dd1548117dc2efc0e7bc SHA-256: ab198a62e6121a8087b6e5dadbaaafcdee47b9d4dbcaee4183fb99d08dc0ca0a
iOS	5.5.6	MD5: 568f18edf8dfe43d10e3fd13bfe960bc SHA1: d39a02b707e0fa9e1d4e64b4992e746067fc2df6 SHA-256: 4a65bf8fd61e056a3c340c6e05da3212049479efc2a8b5cc5de47308e7028c3e
iOS	5.5.5	MD5: 410bec1815cde50444fa6f18f7944d49 SHA1: 82ab6c62353e293b3d3802746a4a52a2819be64d SHA-256: 605a9942a3652c6017a7c0d38e9d97c9056cb6d0d65fa140a03db05c43f33548
iOS	5.5.4	MD5: 9e76503c537d39a7d93c11c2623cfa07 SHA1: 23fea64693175c65117d4a2562ece38d958ec03a SHA-256: 0820d885438a1c6bc45a512d3646aa52cd626200309e3491951a0c6affb3c104
iOS	5.5.3	MD5: 295fa00d10e5493032ab125ff6851c02 SHA1: e36f1a29a42bb104f920c631083f66a9937449e5 SHA-256: eba53ee075b2e7a9f52211712beae1213da05b38c7374e0cf6cff8971f94c24f
iOS	5.5.2	MD5: 18b6a42499ca270d32c9c1c2936c8f92 SHA1: 4b1e8bea14e522665e7605df18b3cf4b2a9cb1c7 SHA-256: dabc741401cc835ba89e0a4cfeaa953a4d563df9a0644036cb1411b189999241
iOS	5.5.1	MD5: 44523206f9762f8cbfa3d19047e65376 SHA1: 0c5008455d71b4e48577d8c70c1dadda67a190f0 SHA-256: 0a682920df5a2a5968795060c6b95097fd1a4a6c8aa9c4d9ea9acd921067a49f
iOS	5.5.0	MD5: d8a8de3f7b5198ebce450e7202a74b58 SHA1: ea46a5a19b228feaf6556bc21ea65f5bc3fd3937 SHA-256: 5d5ee80afcd00cf902985015f6723ade19a140dcd801e9d78fed6a804ca966d2

Kotak fyn: Business Banking app

Platform	Version	Checksum
Android	4.93	SHA256 19ba1c1e98011c03e799ecc2ea67bc7aea3077179b8a785a4cd3501eed80dac7 SHA1 A44A0FA42BF8E613108A14E7C6C306ACEACC3852 MD5 89050219D3DB3C9F87955EE88F9D3CE6
Android	4.94	SHA256 40a9f4e66469a5d667a6c871dbddb9af7c8b45ffb9daf57b60c39253c7099fff SHA1 A44A0FA42BF8E613108A14E7C6C306ACEACC3852 MD5 89050219D3DB3C9F87955EE88F9D3CE6
Android	4.96	SHA256 d9d7e911a65d1f8835fa31fa66ac2d8397582f2e8d6377751e08876f1bbb70be SHA1 A44A0FA42BF8E613108A14E7C6C306ACEACC3852 MD5 89050219D3DB3C9F87955EE88F9D3CE6
Android	4.97	SHA256 6460aeb8c97ebd72d1efd87799d880b8383bd98a1b1bd997f05678a4606c3181 SHA1 beb072214f791c5397954fecca6e72fab6824eb2 MD5 717ca1699ef77f90045264da4db9f8fa
Android	4.98	SHA256 b5f438044fd7f51e7d383c0860fe2b815a9e4f49a47190ea00af1c71f421e897 SHA1 92e76a3d571fbb8749f1dd0b017864f40522d698 MD5 8b59f420cf5e4e35ca860cf2428dd8c8
Android	4.98.1	SHA256 a11082e04a1260da8152f01178e99e0537fd450ae843c2dfe4186e0bcf34f921 SHA1 cc10651af77a2c0d3edc4808f310f49de1dd93f0 MD5 a163472e00265d3eca5d2842e738a24e
Android	4.98.2	SHA256 a8e0bd2eaa9d53c8b942a7c2362d2016d8ab59f9840896f58feb8f8439196e84 SHA1 fdccb293af4370a0e7691d34bad30463b3c240db MD5 d9d6eb6c0771efdfdd321a2eb45b5c42
Android	4.98.3	SHA256 cf5a2f5634f61469b2120326c5babcc2078996d757c082f2c64ebec862d8b309 SHA1 1bf3362bacf2d75bfef92e4b10e18966aa57cb29 MD5 4e96d480e6afc0b3c4a80027ef1e3dd9
Android	4.98.4	SHA256 99d55bb3dc576896c637b165e7759f5cc54cf9d42207518cf0fa69179971dc74 SHA1 27893de980a594c62309b01ba135e26c54a57865 MD5 d577debdee77d5e544a3a72d30d82b03
Android	4.98.5	SHA256 32449a8cf1e534b854dd45d1992218df210d9aa7340ccc85a69952f7c2a54d84 SHA1 df9bbdd48ebc3dde168f10c162024af6ecf7f827 MD5 c485dbf95c2dbb4bb7d9fa63a287785d
Android	4.98.6	SHA256 6c103fc08931212aa6c5d209d28b6566cb003a720dea80f57c2760ac639179cf SHA1 443931beb3d8e032069b26e9a4b22aaeffa00118 MD5 c5c887c0a4aafa15850164852e56db6b
Android	4.98.7	SHA256 58282cde04f2d6982d675691f616695ceaea0d27fd28baacaec01d080918bd9 SHA1 ca0645aba40ecee394c0e0ee50b62988e3cfe170 MD5 4c29c01a5ae2bd6d90e96a28f38626b0
Android	4.98.8	SHA256 54f0b50741dbd4de102affff6f879c7db1e9abfaab28625d4a1ba37e60f21c88 SHA1 fa14585b0e744983d280c8beeedb71985c8eb77e MD5 df9f0b3b87f6052f2d3ffaf4847880ea
Android	4.98.9	SHA256 2f8edb417fe45fcb15a069c36e0e1fcaddc3d793551e80ad7887c995447b3f63 SHA1 ea1aaa73e3937e6ed1eeed087a92eeceafff6cba MD5 7451c1a76ca8a8a0f0e3ad04bd6cc23e

Platform	Version	Checksum
iOS	5.9	SHA256 26157818770ae919a1aeb7f8e0e68b6671527d7416cba561cc08e7639ba7cb3c SHA1 783f4a476989ecae504f68890fc66434ee37bf90 MD5 b6c57334dbdfd60a10490e12078d2585
iOS	5.91	SHA256 c91274827a00442ca302172d87fd96e9aa7498c497e0678aa8a22e60b6c1f2af SHA1 9f4191de68c625dfebdc823ab00dbb0994792ff0 MD5 4bd185b26de35db181956cb71bbe1e57
iOS	5.92	SHA256 fbcf383558af7e7ec8e88f6cd34d84262a495852de958b2abd09c87ea260adf2 SHA1 b001cf44558a0fd7c906f5acc524056197e90358 MD5 ef6388169b8ab9abf4695aaff4e49ed2
iOS	5.93	SHA256 62c9f8612eb379c0ca69d77b4bca00227a222ed26df0063aba267330377c3b2c SHA1 e6508b5cb98be9359b89d39d551a5fb60cfcf239 MD5 68a75fddca0ed26fa945d61b0db0ef53
iOS	5.94	SHA256 44a1aa199518020f24bd8aea073a3e7f0fe3b1e9218edbd10ae2492c7533a5c2 SHA1 947b052eaeed6662473cd3456c1c63e69baff2fd MD5 b78d3c6c1fb49ee5bb0c919fd50248b9
iOS	5.94.1	SHA256 2a4e275f722bdb6d20210db217eec0e5fd989308e06965445927b142fc61e4cd SHA1 ff17b12c32c91c2144e535669490cdcda92fe617 MD5 40db52808a1ea9a66154fd92ee8b6136
iOS	5.94.2	SHA256 fe90dcf56e6ac65a0c5462ba41963872039eea9977990bad9375bda77be5b721 SHA1 ee07e85fd21b5eff01abfb7533ae798f237e3550 MD5 92dc24018d005b1e4b1459f72f775660
iOS	5.94.5	SHA256 7c13d7b82d2f16d39a76fde943765b27b0a287062c2110aac7a951e19253f129 SHA1 382bd60f725cea463f64b336bdac2257cad036fd MD5 71361b498f0a6fa9947ad798f9c41e83
iOS	5.94.6	SHA256 5f054d1daa11b8b583da0a1b6e005577f069e689e35aa1d2e6b0637828450e0d SHA1 6257640d96d28a9529b7c798c0a2a9685e980d0a MD5 f649d6004d3ed9258ef79cf53beb48f8
iOS	5.94.7	SHA256 f7b9f392a8ff10f2d94197c4be95e3070a5f28f9704a49a23e0c421093f04492 SHA1 9106eee1cf6aaec4f6c66682494f008f8c97e0aa MD5 102a61d8f1a2bde1acef7973dddcee60
iOS	5.94.8	SHA256 fe2c9b317824bc82a5065a44bde6067d19bcc2a996a02446e622867aa52ba1eb SHA1 2cc0458979c16d5f2241a56b17e70057f3c96f95 MD5 f8037e8f12f799bc301c286b610d65b8
iOS	5.94.9	SHA256 28ecb72fc9ddbec7a1a2f3cf7dd6c722551fa84da00facbb802e97a101b3b30c SHA1 d34a976adad5fc756024c5dec2705d8c6a569db6 MD5 adc74b736298338c6abbb30cfc8e4cbe
iOS	5.95	SHA256 5fb7fd334ef2a9bde114917f8d0bc8a7df5125c18da8136fc79de73e9ef4d0b8 SHA1 8d3ba49c16a651cea19fba3d371dbb21054394eb MD5 fb45e768a8753c82b439d0b1dbcb446f
iOS	5.95.1	SHA256 eae78bfeb2d279539069ed7a779f4f5e05e03ed2325348322b84d0264db41dc1 SHA1 d360f142ecbf5a667eebfaa10fc5bc6947df5887 MD5 d7223e396f4d71eadc54cb30c720b046

A checksum is a value used to verify the integrity of a file or a data transfer. In other words, it is a sum that checks the integrity of data/file ; this assures the receiver that the files/data has not been compromised.

Features of Checksum Validation

To verify that the content in the file is of integral nature
To confirm that the file has neither been altered by unauthorized third party, nor been damaged during the transfer process across the internet
To act as signature of the file.

Mobile Banking