kotak bank login

Kotak Bank Login: How To Login, Its Features, Services & Much More!

Customers of Kotak Mahindra Bank may now make use of a variety of new online banking features. As part of digital banking, mobile banking is critical Customers may use their cell phones to access their bank accounts. Then what? With a simple click, they may bank from anywhere, at any time.

  • Kotak Bank App
  • BHIM UPI
  • USSD Banking
  • SMS Banking

A branch of Kotak Mahindra Bank There is a number of ways to access mobile banking services.

Kotak Bank App

kotak bank login

Mobile banking apps are the most extensive of all mobile banking options. Netbanking or Branch Banking-style functionality is available, as are most other types of financial services. It is praised for its security and convenience of use on cellphones.

  • Kotak Bank app is available on Google Play & Apple App Store for download. 
  • One can easily register on the app using their debit card or credit card details. It is also absolutely free of charge.
  • You can add up to 3 Customer Relations on a single device. This enables you to manage the accounts of your family members also on the same device.
  • Customers having a Current / Savings Account, a Term Deposit, or a Credit Card with access to Active Net Banking or having an Active Debit / Credit Card are eligible to be registered for Mobile Banking with the app.
  • You also get instant transaction alerts and other updates in the Mobile Banking App via push notifications.
  • Secured HTTPS protocol for communication between the mobile client and the mobile server makes sure that all your transactions are encrypted and highly secure.
  • Two-factor authentication provides an additional layer of validation, minimizing security breaches

How to get started with Kotak Bank App?

  • Download and install the app from Google Play or Apple App Store. 
  • Login with your Customer Relationship Number (CRN). CRN is found on your Debit/Credit card.
  • You need to authenticate your account details using your Debit / Credit Card details or Net Banking password
  • You can now set a 6-digit MPIN for app login. 
  • You will be sent an activation code on your registered mobile number. Enter that to complete the registration process
  • Log in with your CRN and MPIN. 

Also Read: 7 Best VPN for Torrenting in 2022: List of Best VPNs with Their Features and Much More!

Services offered by Kotak Bank App

FeaturesServices
811 – Digital AccountOpen a new zero balance 811 savings account in 5 mins. Virtual debit card for 811 customers. One-click apply for #DREAMDIFFERENT debit cardBook an appointment for KYCAdd money to the 811 account
Banking ServicesCheck the balance of your savings & current accounts and view past transactions. Account overview request for account statement open Term DepositOpen Recurring DepositView Term & Recurring DepositsTerm Deposit CalculatorView Term Deposit RatesPremature Withdrawal of FD/RDView MMIDModify MMIDCheck your balance via virtual assistants Siri/Google AssistantKotak Offers
Fund Transfers & PaymentsAdd a beneficiary for fund transferModify a registered beneficiarySearch registered beneficiary select favorites edit transaction limits for beneficiaryActivate / deactivate a beneficiary transfer funds without registering beneficiary, through One Time transferRepeat past debit transactions by using the ‘Repeat’ feature customer can send money back to the payee using the ‘Pay’ functionality make NEFT / RTGS fund transferKotak to Kotak fund transfer fund transfer between own accounts MPs fund transfer using account No / IFSC (P2A)IMPS fund transfer using mobile No / MMID (P2P)Schedule fund transfer post cut off time view scheduled paymentsManage scheduled payments send receipts & payment and receive money without entering bank information using UPICreate a new UPI ID (VPA) for UPI transactions modify UPI ID (VPA)Change the account linked to your Kotak UPI ID (VPA)Create a UPI mandateAccept a UPI mandate revoked a UPI mandateModify a UPI mandateView UPI Transfer historyManage / View Collect request
Bill Pay & RechargeRegister for BillPay by going to the corresponding category pay due bills make instant payments to your registered billersSet auto-pay to make payment automatically using Manage AutoPayMobile recharge browser mobile tariff special plansRepeat past mobile rechargesDTH rechargeRepeat past DTH recharge spray electricity bill pay any credit card bill pay landline billPay insurance premium pay broadband bill pay for Mutual FundsPay property taxpayer water bill donated to charities pay gas bill pay rental for magazine subscriptions
Credit CardsView the summary of your Credit CardsPay your credit card billsView past billed statementsView unbilled transactions balance transfer on EMIConvert transactions to EMIOutstanding to EMIService requests a credit card to pay via Scan and PayCheck your milestone progressRedeem your milestone points against PVR coupons or reward points check redemption history
InvestmentsPurchase Mutual Funds (SIP / one time)Redeem Mutual FundsKeep track of your investments get the latest NAV report check status of your transaction requestsView/cancel request
SkyMallBook domestic & international flight tickets view flight booking history cancer flight booking make hotel reservations cancel hotel reservations view hotel reservation history book bus travel view bus booking history cancer bus booking shop on FlipkartSubscribe to magazines book Train tickets on IRCTCCheck PNR status view and Cancel train bookingsOla cab booking now offers on Kaymall
Service RequestsDebit Card RequestsCredit Card RequestsCheque RequestsDemat RequestsAccount RelatedProfile Related
My KotakSelect cards to personalize your home page and get all the information as per your convenience option to set MPIN Off and view account balance without logging inView alerts & notificationsContextual banner for showing customer-specific offers and frequently used features
OthersDematApply NowGeneral LoanInsurance

Kotak Mahindra BHIM UPI

Bank of India BHIM Virtual Payment Addresses (VPAs)/UPI IDs (e.g. custname@Kotak) are unique identifiers that may be used to pay and receive money via UPI. Your bank account information is all that is needed for UPI payments because they are sent directly from your account.

There is no need to go through the trouble of naming a recipient before sending money. A UPI recipient’s phone number or UPI ID can be used to transfer funds to another recipient. Scan the QR codes at the store or merchant’s location to pay your bills.

You can use the BHIM UPI through the mobile app of your Kotak Bank account. Kotak BHIM UPI can be used by non-Kotak customers if they download the BHIM KotakPay mobile app.

How to get started with Kotak BHIM UPI?

  • Click on ‘BHIM UPI’ present in ‘My Kotak’ section or ‘Banking’ section 
  • In the ‘BHIM UPI’ menu, go to ‘Manage VPA’ and click on ‘Create VPA’
  • Select the bank account that you want to link with your VPA
  • Enter a new VPA in the space provided and check its availability
  • Click on ‘Create VPA’ and confirm the details
  • Your VPA will be created and ready to use

Charges for Using Kotak Bhim Upi

For transactions less than
 or equal to Rs. 1,000
For transactions above
Rs. 1,000
Upto 20 transactionsZero ChargesZero Charges
21st transaction onwards Rs 2.50 *  per transaction Rs 5.00 *  per transaction

Also Read: ESIC Portal: How To Login, Its Benefits, Services & Much More!

Kotak Bank SMS Banking:

kotak bank login

Many banking tasks can now be accomplished via SMS thanks to SMS Banking. When a customer does not have access to a smartphone or the internet, this feature comes in handy.

SMS Banking is free of charge. However, if you have a mobile payment plan, your mobile operator will charge you for SMS.

Sr. No.TransactionKeyword
1Account balanceBAL
2Last 3 transactionsTXN(space)Last 4 digits of Account Number
3Last 3 months’ statement on emailSTMT(space)Last 4 digits of Account Number
4Statement on email for a particular month in the current financial yearSTMT(space)Last 4 digits of Account Number(space)First 3 letters of the month
5Statement on email for any periodSTMT(space)Last 4 digits of Account Number(space)Start period: First 3 letters of the month followed by last 2 digits of the year(space)End Period: First 3 letters of the month followed by last 2 digits of the year
6Cheque Status InquiryCHQSTATUS(space)Last 4 digits of Account Number(space)6 digit cheque number
7New Cheque Book RequestCHAPBOOK(space)Last 4 digits of Account Number
8Download Mobile AppMOBILE
9Term Deposit/Fixed Deposit RenewalTDREN(space)last 4 digits of Fixed Deposit no.
OR
FREE(space)last 4 digits of Fixed Deposit no
10Know your Credit Card Reward PointsCREW
11Know your Customer Relationship Number (CRN)CRN
12Generate / Retrieve your Mobile Money Identifier (MMID)MMID(space)Last 4 digits of Account Number
13Cancel MMID for an accountMMIDREVOKE(space) 7-digit MMID of your account
14Cancel MMID for all accountsMMIDCANCEL
15Reinstate MMIDMMIDREINST(space) 7-digit MMID of your account
16Know Your Investment Account NumberMFACCT(space)Last 4 digits of Customer Relationship Number
17Holding Value of Investment accountMFBAL(space)Last 4 digits of Customer Relationship Number
18Know Your Demat Account NumberDPACCT(space)Last 4 digits of Customer Relationship Number
19Holding Value of Demat accountDPBAL(space)Last 4 digits of Customer Relationship Number
20Nearest ATMATM(space)6 digit Pincode
21Nearest BranchBRANCH(space) 6-digit Pincode
22Regenerate Net Banking PINNETPIN(space)Last 4 digits of Customer Relationship Number
23Regenerate Phone Banking PINPHONEPIN(space)Last 4 digits of Customer Relationship Number
24Regenerate Debit Card PINDEBITPIN(space)Last 4 digits of the Debit Card Number
25Enable International Usage on Debit CardDCENB(space)Last 4 digits of Debit Card Number
26Activate Debit Card for use at merchant establishments (POS)POS(space)Last 4 digits of Debit Card Number
27Activate Debit CardDCUNBLOCK(space)Last 4 digits of Debit Card Number
28Recharge your mobileREC(space)Mobile Number(space)Telecom service provider(space)Amount(space)Last 4 digits of Account Number
29Recharge your DTHDTH(space)Subscriber Number(space)DTH service provider(space)Amount(space)Last 4 digits of Account Number
30Pay billPLAYBILL(space) BILL ID(space)CRN(space)Last 4 digits of Account Number(space)Amount
31Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)JYOTI(space)Nominee Name
32Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)SURAKSHA(space)Nominee Name
33Check your Kotak bank account application statusKACAPP(space)your XX digit Application Number
34List of SMS banking keywordsHELP
35Find APAC No. basis CRN NoAPAC(space)CRN NO.
36Find APAC No. basis Registration NoAPACRGN(space)Vehicle No.
37Loan a/c balanceLOANBAL(space)Application APAC no.
38EMI detailsLOANEMI(space)Application APAC no.
39Loan amount financedLOANFIN(space)Application APAC no.
40Loan NOC RequestLOANNOC(space)APAC no.
41Request for Loan Payment CollectionLOANPAY(space)APAC no.
42Request for Loan SOALOANSOA(space)Application APAC No.(comma)EMAIL
43Request for Loan Repayment ScheduleLOANRPS(space)Application APAC No.(comma)EMAIL
44New vehicle loanLOAN NEW(space)MAKE(comma)MODEL NO.
45Insurance RenewalLOANINS(space)Vehicle No.
46Vehicle in possession of bankLOANPOS(space)CRN NO.

Kotak Bank USSD Banking

kotak bank login

Customers who don’t have access to a smartphone or the internet can take advantage of USSD Banking. Real-time or session-based messaging services using USSD (Unstructured Supplementary Service Data) is known as USSD. On a short code, the National Unified USSD Platform (NUUP) can be used:

customers must first register for USSD Banking from their registered mobile number.

  • Dial *99# on your dialer. 
  • Choose the relevant option to choose Kotak Bank. 
  • The menu will fetch the account numbers linked to your mobile number. 
  • Press the correct option to confirm your registration. 
  • You will then be allowed to set a 6-digit UPI PIN. 

Services offered on USSD Banking

  • Balance inquiry
  • Fund transfer (to a Mobile Number, Virtual Payment Address, IFSC/Ac no, Aadhaar)
  • Transaction history (done via USSD)
  • Request money

Kotak Mahindra Bank Mobile Banking FAQs:

1. How do I get the Kotak Mobile Banking App?

You can download the Kotak Mobile Banking app from app.kotak.com or go to Apple App Store / Google Play Store. You can also SMS ‘Mobile’ to 9971056767 / 5676788 to receive the link on your registered mobile number.

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

Kotak Mobile Banking App is supported on your smartphones running iOS (version 8.0 onwards) or Android (version 5.0.0 onwards) operating systems. You need to have access to the internet (mobile data / Wi-Fi) to use the app.

3. I have not registered for Net Banking; can I still use Kotak Mobile 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.

4. What is the CRN number?

A CRN, or Customer Relationship Number, is the number under your name on your Debit/Credit card. If you are unable to find your CRN number, simply SMS CRN to 9971056767 from your registered mobile number to get it in an SMS.

5. What are the working hours for money transfers on Kotak BHIM UPI?

Money transfers using UPI can be made 24×7 and instantly, which means it can be done on holidays as well.