Micro ATM is a mini version of an ATM. Micro ATMs are like modified point of sales terminals this terminal can connect to banking network via GPRS to perform banking transactions. This machine contains card swipe facility. This initiative aims to bridge the gap between the need and availability of cash requirement in the eco-system.This initiative aims to bridge the gap between the need and availability of cash requirement in the eco-system.

What is an OTP, and why is it important for credit card transactions?

OTP is a numeric or alphanumeric code a customer receives on their registered mobile number or email address to authenticate a credit card transaction.It is an efficient way to ensure the genuine cardholder has initiated a credit card transaction.

Q1: Can I Add a Credit Card To Google Pay?

Yes, you can add a credit card to Google Pay using the following steps: ● Open the Google Pay app on your smartphone. ● Click “Add a card/bank account”. ● Enter your Kotak credit card details. ● Provide OTP.

How to open the Kotak UNI Student Bank Account?

You can open a Kotak UNI Student Bank Account digitally, from anywhere, thanks to the Video KYC feature. It involves getting on a video call with a Kotak bank executive to complete your KYC process, essentially ruling out a visit to a Kotak bank branch completely.

Can a senior citizen open a savings account?

Yes, a senior citizen can open Grand - Savings Account which is only applicable for Indian residents of age 55 years and above.

Services Offered - Net Banking - Ways to Bank - Digital Banking

Banking Account

Saving and Current Accounts:

View account details, account activity
Account details will be available to the customer like joint holder if any, account opening date, status of account (e.g. active, blocked, dormant etc.), mode of operation, account currency and account type
You can set a Username for your account number
Nominee details can be viewed only if requested to be displayed
Customer can view a mini statement of the last 5 transactions
Lien Inquiry - You can view the lien (funds which are currently on hold) details and Lien summary
Cashless Deposits - View the details and status of Cheques / Instruments deposited.
View / Stop Cheque - You can view the status of the cheques like Paid, Unused and Stopped. You also have the option to stop Single / Multiple Cheques.
Temporary Overdraft (TOD) Inquiry - You can view Temporary Overdraft (TOD) details, if any. Details like Status of TOD, Grant date, expiry date of TOD, TOD amount, Interest rate and also the penal interest rate.

Fixed / Recurring Deposit Accounts:

Book your Fixed / Recurring Deposit Online.
You can now also do a premature withdrawal and also request for change in maturity instructions online.
A Deposit calculator is now available which will help you work out how your deposit is growing for a specified time period, based on the type of deposit and deposit amount.
You can view your deposit details like primary deposit details, type of deposit, nominee name (if any), other details like maturity instructions, interest rate etc. You can also view the schedule of credit of interest in your account excluding TDS.
View details of pool accounts created (multiple accounts linked), if any.
Simulate Fixed / Recurring Deposit Pre-closure - This is a calculator which will help you determine the withdrawal amount with interest details as per the date of closure and withdrawal amount. This is only an indicative amount, actual amounts may vary.

Fund Transfers:

Within your Kotak Accounts - Transfer money between your Kotak accounts.
To someone else's Account - Transfer money to another person's Kotak account
To another Bank (NEFT) - Transfer money to an account in another bank via RBI's National Electronic Fund Transfer system (NEFT). This is usually used for transfer amounts of Rs. 5 lakh and less.
To another Bank (RTGS) - Transfer money to an account in another bank via RBI's Real Time Gross Settlement. This is a faster way to transfer money of Rs. 2 lakhs and above.
To another Bank (IMPS) - Transfer money immediately 365 days, 24x7, to an account in another bank via Immediate Payment Service (IMPS).
Demand Draft - Send money to someone using a Demand Draft. Demand Draft can be sent to your correspondence address registered with the bank.
You have the option to choose when to make the payment or you can save the transaction and make the payment when desired.
- Pay Now: The payment will made instantly.
- Pay Later: You can pick a date as to when you wish to make the payment. The transaction will be scheduled and processed on the date of payment chosen by you. You can Edit/ Stop this transaction from 'Pending Transfers'.
- Schedule Regular Payments: You can schedule regular payments by choosing this option. You need to enter the start date, frequency and date till when you wish to make your payments. For Standing Instruction set up for payments, you can even Stop / Edit the Standing Instruction details.
- You can view all your past transactions under 'Completed Transfers' with the Status of the transaction. You even have the option to use the 'Copy Transfers' facility, in case you wish to make the same transaction without entering the required transaction details again.

Add / Manage Beneficiaries:

You can view and manage your beneficiaries online.
You can add a beneficiary and also activate or inactivate the same online.
Beneficiaries added at other channels like a bank branch will also be available for the customer to transfer funds to, via Net Banking.
Multiple accounts can be mapped for a beneficiary for Transfer Type. (e.g.- NEFT / RTGS etc.)
You can now change the Beneficiary limits on Net Banking. The same can be decreased from the bank default limit for Net Banking. To increase the same, you need to visit the nearest Bank branch.

Tax Center

Tax Filing & More

E-file Income Tax : Income Tax e-Filing portal registered users can file tax returns or make advance tax payment
Banking >Tax Details> eTAX> E-filing (Income Tax)

Tax Credit Statement (Form 26AS) Instantly view Tax Credit Statement (Form 26AS) online
More -> Statement -> View Tax Credit Statement (Form 26AS)

Submit Form 15 G/H : Avail exemption on TDS on Interest earned on Fixed / Recurring Deposit in a given Financial Year by submitting online
Banking> Tax Details> Submit Form 15G/H Online

Statements & Certificates

Current & Previous Financial Year Account Statement : Download Yearly Statements (CSV format) for Last & Current Financial Year as well as Last & Current Calendar Year (available for NRIs as well)
Banking> Savings/Current Account> View/ Download Account Statement

Monthly & Annual Account Combined Statement : View / download your last 18 months’ statements including the Annual Combined Statement for the previous financial year consisting all your Current Account, Savings Account, Deposits and Investment balances
More> Statement>View Statement

Mail Account Statement : Request for Account Statement for any period either on your preferred email ID (free of cost) or on your registered mailing address (chargeable)
Banking> Service Requests> Account Statement

Loan Statement : View/ download statements of your Home loan, Personal loan and Commercial loan
Instalment Loans >Loan Type> Statement

Capital Gain Loss Statement : Generate Capital Gain/Loss Statement which is calculated net of TDS
Investments -> Reports -> Capital Gain Loss

NPS Statement : Request report for 50K additional contribution made for Income Tax exemption
More>NPS>Reports

TDS Inquiry : Get TDS details for Current and Previous Financial Year.
Banking Section >Tax Details > TDS Inquiry

TDS Certificate : View TDS certificates for the last 4 completed calendar quarters. TDS certificates will be available if PAN registered with the bank matches with PAN available with NSDL records
More> Statement> TDS Certificate

Interest Certificate : Physical Interest certificate will be issued for the previous financial year and mailed to your correspondence address within 8 working days
Banking> Service Requests> Interest Certificate

Insurance Certificate : Link your Kotak Life Insurance policies online and access the Premium Certificate
Insurance>Manage My Policies> Premium Certificate

Demat Account

Demat:

This section provides access to view your Demat account details. You can also trade online in these securities by opening a trading account with Kotak Securities Ltd.

Account Services:

View account activity, billing details, holding details
Inquire transaction status, Demat status of securities

Requests:

Place an online request for account statement, Shareholding details or billing
Place a request for Pledge Forms or Client Master Details

Additional Features:

In case you want to convert your existing shares into Demat format, you can view securities available for Demat
You can view the details of your transactions including settlement date, pay in date, pay out date using the View Settlement calendar option

Investments

Investments:

This section enables you to view and purchase / redeem Mutual Funds online¹ and other details of your investments with us.

Account Services:

Keep track of your investments online - view account details, transaction details and current NAV, percentage gain / loss and IRR
Get details of investments by Asset Class or Fund Name

Transaction Services:

Purchase / redeem Mutual Funds online¹
Place Standing Instruction for auto debit of your account and investments in the selected fund

Requests:

Check status of your Buy / Sell requests

Other Features:

Get the latest NAVs
Get advisory services and industry updates on a continuous basis
Online transaction readiness can be viewed on Net Banking wherein you can know whether you are KYC compliant for Mutual Funds investments

Kotak Netc@rd

This is a onetime use virtual card which enables you to shop online on any website that accepts VISA cards, in a secure way.

Kotak Netc@rd usage:

Generate your Kotak Netc@rd by logging into Net Banking
Cancel cards if you do not wish to use them

Transaction Services:

View card details including the status of the card, card amount, create date, expiry date
View Transaction details including the card number, merchant name where the card was used and settlement amount

Kotak Billpay

Kotak BillPay is an Electronic Bill Presentment and Payment Service. A secure and hassle free way to pay your bills!

Kotak BillPay is a simple, convenient and secure way of managing your bill payments from anywhere, anytime
You can pay your utility bills (telephone, electricity, mobile, etc.), insurance premium, recharge prepaid mobile number and DTH account, subscribe to magazines, make donations
Kotak BillPay offers you the flexibility of making regular payments by registering the biller or making one time / ad hoc payments using the 'Instant Pay' option. You also have the option to pay via your bank account or Kotak Credit Card.
Payment via Kotak Credit Card is an option available only on Net Banking (excluding payments like Visa Credit Card, Get Money)
Option available to Pay Now or Later.
For registered billers, you will be able to view the bill amount and due date
You can pay your domestic Visa Credit Cards bills with Kotak BillPay
Kotak BillPay offers you 'AutoPay' wherein you can register for automatic payments from your account. Payments will be scheduled and processed 4 days prior to the due date / Payment date specified by the customer.
With Recharge, you can top up your prepaid mobile number and DTH account instantly. On successful recharge you will get a confirmation SMS from your mobile / DTH operator.
You can also view your Bill and Payment History
Additionally, you will also receive Alerts via Email / SMS for any biller addition / deletion, receipt of new bill and status of bill payments and even AutoPay alerts.
To avail of Kotak BillPay, simply login to Net Banking and click on the BillPay option or call up our 24-hour Customer Contact Center or walk into your nearest Kotak Mahindra Branch. You can also make payments to your registered billers through Kotak Mobile Banking.
This service is Free of Charge

Service Requests

Receive funds from any non Kotak Bank Account to your Kotak Bank account using RBI's ECS facility absolutely FREE.

Registration to be done on Net Banking or at our nearest bank branch to avail Get Money service.
Debit Bank account details (ECS Debit Mandate Form) need to be verified by Debit Bank. This verification / lodgement process takes up to a maximum of 25 days from date of submission of ECS Mandate Form to our nearest bank branch.
You can either receive funds on ad hoc basis (one-time) or can set up a Standing Instruction (SI) to receive funds on regular basis, post successful activation of Get Money registration. You also have the option to modify or delete the Standing Instruction.
Get Money funds transfer requests can be given on Net Banking, 24-hour Customer Contact Centre or our nearest bank branch.
You will receive email and SMS alerts on the registered email ID and Mobile number with the bank for all events on Get Money.
You can even view details of your pending transfer requests and transfer history post logging into Net Banking.
You can register multiple Bank accounts as debit bank accounts under the Get Money service.

ASBA

You now have a wide range of Service Requests that are available to you online. You can place a Service Request and even view your service request details.

Savings and Current Account Service Request

Request for Cheque Book
Stop Cheque(s)
Request for Account Statement - You can request for an account statement either via post to your correspondence address or get it mailed to your preferred email ID.
Request for Balance Certificate - Balance Certificate will be issued as per the date selected by you.
Request for Interest Certificate - Interest Certificate will be issued for the previous financial year (April to March)
Request for Activation / Deactivation of Passbook
Request for NACH Cancellation
Request for Deregistration of Printed Statement
Request for Change of Home Branch
Upgrade Account Variant
Do Not Contact request - Register yourself under this section to discontinue receiving marketing related calls from the bank.

Deposit Service Requests:

Open Fixed / Recurring Deposit
Link a Fixed Deposit to Saving / Current Account
Premature Withdrawal of Fixed / Recurring Deposit
Change Maturity Instruction for Fixed Deposit
Request for Account Statement
Submit Form 15 G/H Online
ActivMoney (Auto Sweep Out - Sweep In Facility)

Home Banking² Service Requests:

Cash Pick Up Request
Cash Delivery Request
Cheque Pick Up Request
Demand Draft Delivery Request

Debit / Prepaid Card Related Request:

Report Lost / Stolen Debit Card
Debit Card Activation for use at Merchant Establishments
Request for Debit Card
Request for a New PIN for your Debit Card
Change Primary Account for Debit Card
De-link Account(s) from Debit Card
Block / Unblock Debit Card
Purchase of Best Compliments Card (Prepaid Card)

Payment Gateway Related Request:

Register for Payment Gateway
Modify Payment Gateway Registration
Client ID Registration for Online¹ Trading

Statement

You can now apply for IPO/FPO/Rights Issue through Kotak Net Banking without any paper-work and from the convenience of your home / office.

ASBA stands for Application Supported by Blocked Amount.
Customers can apply for IPO/FPO/Rights Issue online using ASBA by authorizing the bank to block an amount equivalent to the application amount in the relevant bank account.
The application amount would be retained in the customer's bank account, and is blocked towards the IPO/FPO/Rights Issue application. The funds remain blocked till the completion of the allotment process.
On intimation of allotment, amount to the extent required will be debited to the bank account. In the case of partial / no allotment, an amount for the un-allotted portion will be released.
Since the amount is blocked and not debited until allotment, you will continue to earn interest on the application amount (as applicable).

Profile

You can view and download your previous months' digitally signed statements including your Annual Combined Statement for the previous financial year through the Statement tab. Also you can request for your preferred statement delivery option by clicking on Statement Registration.

Mail

It is very important to keep your Profile details updated with the bank to avoid missing on bank alerts, important messages, updates or correspondence. In Profile section, you can view and update your below mentioned Profile details:

Mobile Number
Email ID
Mother's Maiden Name
Aadhaar Number
PAN
FATCA Declaration
Other Information
- Occupation
- Household Annual Income
- Education
- Marital Status
- Marriage Anniversary Date
- No. of Family Members

Steps to update Profile details:

Login to Net Banking with your CRN/Username and password
Enter One Time Password / Digital Signature details
Click on Profile/Update Contact Details link
Click on Add / Edit link and update the details after providing proper validation

Note:

You will be able to update Profile details only if you log into Net Banking by entering One Time Password (OTP) or Digital Signature
If you have regenerated Net Banking password online, the option to update the profile details will be available after 7 days of online regeneration of Net Banking password
The option to update Profile details online will be available for Individual & Non Individual customers (only to the Authorized Signatory)

Disclaimers

¹ Online facilities for investment in Mutual Funds as well as trading in secondary market is available across all countries except USA and Canada

² Facilites available in India only

Presenting the all new Kotak Net Banking