Mobile Banking

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.

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

Retail Mobile Banking

Corporate Mobile Banking

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.