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

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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

Retail Mobile Banking

Platform	Version	Checksum
Android	5.6.1	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	5.5.9	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	5.5.8	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	5.5.7	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	5.5.6	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
iOS	5.4.8	MD5: 35e21173e997acf48d24cbc18fb03739 SHA1: 0c24fd77480eb1c2ccb1a5d531e5d15d0ced10e4 SHA-256: bbcf9f06b89e3fdd1d891ef9bf5b392e0976704ce349bb4f273a576ca844303c
iOS	5.4.7	MD5: b32e1dcf507d8ed35ba58e4495412494 SHA1: af5ad2b4c6c3d1b9f1ba0a4e82696b9fa1306a38 SHA-256: 2f612fd1437a9a60296184eb33298da15e6756535a3e164f44f20118507c2743
iOS	5.4.6	MD5: 2154c68461fa484e6a4279a214273640 SHA1: d8f55ed0457148a5285550948b37a141bce6be0c SHA-256: 5d82ddf8b1bef93e819d717c02c6324d305e0916e65b58684c0abf8965dc3480
iOS	5.4.4	MD5 : 258faa67dd3b86a3eeddee79b1a42365 SHA1 : 518e3cd765c5b3e5983e97cc47e4d150f9d8b7fd SHA-256 : 2404958eabbaf5cdcf0f894ac88280a32f2faad506e07ea6980a133852b8294b
iOS	5.4.3	MD5 : 451ac1079c0bb43a97682da031212ff0 SHA1 : 3e3fa9b574f003e9dca37186b5ba368e6e66d1c2 SHA-256 : e003f575454d9a987478b5c2a42e99c3a0dde9d8cbebc2d4868743ae5b02db42
iOS	5.4.2	MD5: d0490e9cda8fc314a822ff648e11fccd SHA1 : b92244eed4458cc5124b30f4d63e4adb9832ca68 SHA-256 : f9fdae4d5426822f415b9a674d512609b9f93b0c927685d7d5aa6a4357eb1798
Android	5.5.0	MD5: 8FE8450B3BC058CD63218895A1AEA149 SHA1 : 7641B84E6043FD7F6C5C344576619E29035CE508 SHA-256 : D9EA830932457CF66CB95E4E8D17DB75FCEB4FE1AE5D2FA69D3B21902321AC50
iOS	5.3.8	MD5: eeb21a5ae5cc828016c6fb66948fb1b6 SHA1 : 220eb677c4abca270f214807077762601a8447a4 SHA-256 : cf3052183e53200d41aba401b4e271a88ddc0b5fd4e3a7620037289a49d7ff24
Android	5.4.8	MD5: 8FE8450B3BC058CD63218895A1AEA149 SHA1 : 7641B84E6043FD7F6C5C344576619E29035CE508 SHA-256 : D9EA830932457CF66CB95E4E8D17DB75FCEB4FE1AE5D2FA69D3B21902321AC50
iOS	5.3.7	MD5: 07325369adf9e02ea743e9a52def0ff6 SHA1 : d74234cf4e502b45d5b2d706fe914f3ec34866ee SHA-256 : a4acc69b2ea6479ddb9326245f02793551fde1cc0648ec7640704b6d13c79228
Android	5.4.7	MD5:8FE8450B3BC058CD63218895A1AEA149 SHA1 : 7641B84E6043FD7F6C5C344576619E29035CE508 SHA-256 : D9EA830932457CF66CB95E4E8D17DB75FCEB4FE1AE5D2FA69D3B21902321AC50
iOS	5.3.5	MD5:b5416713ed1c80e121c057731fab056d SHA1 : 571aa6b76fd84f1496e72d1acdb31a09c0f304c6 SHA-256 : 1cd85e50576a99c9dd399a5214255cfd747f0c480d8bb02112c1c7c4f2e7a0df
Android	5.4.4	MD5:8F:E8:45:0B:3B:C0:58:CD:63:21:88:95:A1:AE:A1:49 SHA1 : 76:41:B8:4E:60:43:FD:7F:6C:5C:34:45:76:61:9E:29:03:5C:E5:08 SHA-256 : D9:EA:83:09:32:45:7C:F6:6C:B9:5E:4E:8D:17:DB:75:FC:EB:4F:E1:AE:5D:2F:A6:9D:3B:21:90:23:21:AC:50 5.4.3
Android	5.4.3	MD5 : 8F:E8:45:0B:3B:C0:58:CD:63:21:88:95:A1:AE:A1:49 SHA1 : 76:41:B8:4E:60:43:FD:7F:6C:5C:34:45:76:61:9E:29:03:5C:E5:08 SHA-256 : D9:EA:83:09:32:45:7C:F6:6C:B9:5E:4E:8D:17:DB:75:FC:EB:4F:E1:AE:5D:2F:A6:9D:3B:21:90:23:21:AC:50
Android	5.3.5	SHA-256:D9EA830932457CF66CB95E4E8D17DB75FCEB4FE1AE5D2FA69D3B21902321AC50 SHA1 : 7641B84E6043FD7F6C5C344576619E29035CE508
iOS	5.3.3	SHA-1 : acd85a04124864ef189cb0b8f5dd9b655ffdbdbd SHA -256 : acd85a04124864ef189cb0b8f5dd9b655ffdbdbd MD5 : 83e6c3031a448f19df46d7755b31cedb
iOS	5.3.2	SHA-1 : 8c06996e07c315f340e6c7675dbab89059ddd787 SHA -256 : 8c06996e07c315f340e6c7675dbab89059ddd787 MD5 : 73713a2ca9ea2f769fcc9e4566f15cbc
iOS	5.2.5	SHA256: d48b0eebf5e801d43cdf55d6425cb49e0a0b302173312f5dc5c1e4bce20ea1d1 SHA1: fd003c67286846117931762636f89b167ac6e483
Android	5.3.4	SHA-256: D9EA830932457CF66CB95E4E8D17DB75FCEB4FE1AE5D2FA69D3B21902321AC50 SHA1 : 7641B84E6043FD7F6C5C344576619E29035CE508
iOS	5.2.4	SHA256: f5538a23e00435f852148155e1dd37d4c2b31cdd6781e41eedb60fd88e4855fd SHA1: 75f6dae9ff3b1a8612bda514a222530e05f68131

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

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

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