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Kotak Mahindra Bank Mobile Banking

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Introduction

Kotak Mahindra Bank has introduced a host of digital banking solutions for its customers. Mobile Banking is an important part of digital banking. It allows customers to access banking through their smartphones. What more? They can bank anywhere, anytime with a single click.

Kotak Mahindra Bank Mobile Banking solutions are available through the following channels –

Kotak Bank App
BHIM UPI
USSD Banking
SMS Banking

About Kotak Mahindra Bank Mobile Banking

Kotak Bank App
Kotak Mahindra BHIM UPI
Kotak Bank SMS Banking
Kotak Bank USSD Banking
Kotak Mahindra Bank Mobile Banking FAQs:

Kotak Bank App

Mobile Banking Apps are the most comprehensive of all mobile banking solutions. It embraces most of the banking services similar to Netbanking or Branch Banking. It is lauded for its security and the ease at which one can use it on their smartphones.

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
Login with your CRN and MPIN.

Services offered by Kotak Bank App

Features	Services
811 – Digital Account	Open a new zero balance 811 savings account in 5 mins. Virtual debit card for 811 customers. One click apply for #DREAMDIFFERENT debit card Book an appointment for KYC Add money to 811 account
Banking Services	Check balance of your savings & current accounts View past transactions. Account overview Request for account statement Open Term Deposit Open Recurring Deposit View Term & Recurring Deposits Term Deposit Calculator View Term Deposit Rates Premature Withdrawal of FD/RD View MMID Modify MMID Check your balance via virtual assistants Siri/Google Assistant Kotak Offers
Fund Transfers & Payments	Add a beneficiary for fund transfer Modify a registered beneficiary Search registered beneficiary Select favourites Edit transaction limits for beneficiary Activate / deactivate a beneficiary Transfer funds without registering beneficiary, through One Time transfer Repeat past debit transactions by using 'Repeat' feature Customer can send money back to payee using the ‘Pay’ functionality Make NEFT / RTGS fund transfer Kotak to Kotak fund transfer Fund transfer between own accounts IMPS fund transfer using account No / IFSC (P2A) IMPS fund transfer using mobile No / MMID (P2P) Schedule fund transfer post cut off time View scheduled payments Manage scheduled payments Send receipt Scan & pay Send and receive money without entering bank information using UPI Create 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 mandate Accept a UPI mandate Revoke a UPI mandate Modify a UPI mandate View UPI Transfer history Manage / View Collect request
Bill Pay & Recharge	Register for BillPay by going to corresponding category Pay due bills Make instant payments to your registered billers Set auto pay to make payment automatically using Manage AutoPay Mobile recharge Browse mobile tariff special plans Repeat past mobile recharges DTH recharge Repeat past DTH recharges Pay electricity bill Pay any credit card bill Pay landline bill Pay insurance premium Pay broadband bill Pay for Mutual Funds Pay property tax Pay water bill Donate to charities Pay gas bill Pay rent Pay for magazine subscriptions
Credit Cards	View the summary of your Credit Cards Pay your credit card bills View past billed statements View unbilled transactions Balance transfer Balance transfer on EMI Convert transactions to EMI Outstanding to EMI Service requests Use a credit card to pay via Scan and Pay Check your milestone progress Redeem your milestone points against PVR coupons or reward points Check redemption history
Investments	Purchase Mutual Funds (SIP / one time) Redeem Mutual Funds Keep a track of your investments Get the latest NAV report Check status of your transaction requests View/cancel request
KayMall	Book domestic & international flight tickets View flight booking history Cancel flight booking Make hotel reservations Cancel hotel reservations View hotel reservation history Book bus travel View bus booking history Cancel bus bookings Shop on Flipkart Subscribe to magazines Book Train tickets on IRCTC Check PNR status View and Cancel train bookings Ola cab booking Know offers on Kaymall
Service Requests	Debit Card Requests Credit Card Requests Cheque Requests Demat Requests Account Related Profile Related
My Kotak	Select cards to personalise your home page and get all the information as per your convenience Option to set MPIN Off and view account balance without logging in View alerts & notifications Contextual banner for showing customer specific offers Frequently used features
Others	Demat Apply Now General Loan Insurance

Kotak Mahindra BHIM UPI

Kotak Mahindra BHIM UPI allows you to send/receive money using unique identifiers called 'Virtual Payment Addresses (VPAs)/UPI ID' for e.g. custname@Kotak. UPI payments are sent directly from your bank account and hence you do not need a debit card, credit card or the bank account details or IFSC codes.

There is no hassle of adding a beneficiary before transferring money. You can transfer to another UPI recipient using their phone number or UPI ID. You can make bill payments to shopkeepers and merchants by scanning the QR codes at their location.

Kotak Bank customers can use the BHIM UPI through their Kotak Mobile App. Non-Kotak customers can also use the Kotak BHIM UPI by downloading the ‘BHIM KotakPay’ 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 transactions	Zero Charges	Zero Charges
21st transaction onwards	Rs 2.50 * per transaction	Rs 5.00 * per transaction

*18% GST applicable

Kotak Bank SMS Banking

SMS Banking allows many banking services to be carried out through SMS. This is helpful in cases where the customer does not have a smartphone or internet connection.

There are no charges to use SMS Banking. However, your mobile operator will charge for SMS according to your mobile payment plan.

Customers have to send the relevant KEYWORD to 9971056767 or 5676788.

Sr. No.	Transaction	Keyword
1	Account balance	BAL
2	Last 3 transactions	TXN(space)Last 4 digits of Account Number
3	Last 3 months statement on email	STMT(space)Last 4 digits of Account Number
4	Statement on email for a particular month in the current financial year	STMT(space)Last 4 digits of Account Number(space)First 3 letters of the month
5	Statement on email for any period	STMT(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
6	Cheque Status Inquiry	CHQSTATUS(space)Last 4 digits of Account Number(space)6 digit cheque number
7	New Cheque Book Request	CHQBOOK(space)Last 4 digits of Account Number
8	Download Mobile App	MOBILE
9	Term Deposit/Fixed Deposit Renewal	TDREN(space)last 4 digit of Fixed Deposit no. OR FDREN(space)last 4 digit of Fixed Deposit no
10	Know your Credit Card Reward Points	CCREW
11	Know your Customer Relationship Number (CRN)	CRN
12	Generate / Retrieve your Mobile Money Identifier (MMID)	MMID(space)Last 4 digits of Account Number
13	Cancel MMID for an account	MMIDREVOKE(space)7 digit MMID of your account
14	Cancel MMID for all accounts	MMIDCANCEL
15	Reinstate MMID	MMIDREINST(space)7 digit MMID of your account
16	Know Your Investment Account Number	MFACCT(space)Last 4 digits of Customer Relationship Number
17	Holding Value of Investment account	MFBAL(space)Last 4 digits of Customer Relationship Number
18	Know Your Demat Account Number	DPACCT(space)Last 4 digits of Customer Relationship Number
19	Holding Value of Demat account	DPBAL(space)Last 4 digits of Customer Relationship Number
20	Nearest ATM	ATM(space)6 digit pincode
21	Nearest Branch	BRANCH(space)6 digit pincode
22	Regenerate Net Banking PIN	NETPIN(space)Last 4 digits of Customer Relationship Number
23	Regenerate Phone Banking PIN	PHONEPIN(space)Last 4 digits of Customer Relationship Number
24	Regenerate Debit Card PIN	DEBITPIN(space)Last 4 digits of Debit Card Number
25	Enable International Usage on Debit Card	DCENB(space)Last 4 digits of Debit Card Number
26	Activate Debit Card for use at merchant establishments (POS)	POSACT(space)Last 4 digits of Debit Card Number
27	Activate Debit Card	DCUNBLOCK(space)Last 4 digits of Debit Card Number
28	Recharge your mobile	REC(space)Mobile Number(space)Telecom service provider(space)Amount(space)Last 4 digits of Account Number
29	Recharge your DTH	DTH(space)Subscriber Number(space)DTH service provider(space)Amount(space)Last 4 digits of Account Number
30	Pay bill	PAYBILL(space) BILL ID(space)CRN(space)Last 4 digits of Account Number(space)Amount
31	Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)	JYOTI(space)Nominee Name
32	Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)	SURAKSHA(space)Nominee Name
33	Check your Kotak bank account application status	KACAPP(space)your XX digit Application Number
34	List of SMS banking keywords	HELP
35	Find APAC No. basis CRN No	APAC(space)CRN NO.
36	Find APAC No. basis Registration No	APACRGN(space)Vehicle No.
37	Loan a/c balance	LOANBAL(space)Application APAC no.
38	EMI details	LOANEMI(space)Application APAC no.
39	Loan amount financed	LOANFIN(space)Application APAC no.
40	Loan NOC Request	LOANNOC(space)APAC no.
41	Request for Loan Payment Collection	LOANPAY(space)APAC no.
42	Request for Loan SOA	LOANSOA(space)Application APAC No.(comma)EMAIL
43	Request for Loan Repayment Schedule	LOANRPS(space)Application APAC No.(comma)EMAIL
44	New vehicle loan	LOANNEW(space)MAKE(comma)MODEL NO.
45	Insurance Renewal	LOANINS(space)Vehicle No.
46	Vehicle in possession with bank	LOANPOS(space)CRN NO.

Kotak Bank USSD Banking

USSD Banking is an advantage for customers who do not have a smartphone or internet connection. USSD or Unstructured Supplementary Service Data means a real-time or instant session-based messaging service. National Unified USSD Platform (NUUP) is offered on a short code: *99#.

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 enquiry
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 smart phones running iOS (version 8.0 onwards) or Android (version 5.0.0 onwards) operating systems. You need to have access to 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 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 24x7 and instantly, which means it can be done on holidays as well.

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