As someone rightly said "It's better to be safe than sorry", so here are some precautionary steps which you can take while banking with us:
1. Memorize your MPIN and do not write it anywhere.
2. Don't disclose your MPIN to anyone, including Kotak Mahindra staffs.
3. Don't use obvious numbers like last digits of mobile number, date of birth etc as MPIN.
4. Change your MPIN at regular intervals.