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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 –
About Kotak Mahindra Bank Mobile Banking
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.
How to get started with Kotak Bank App?
Services offered by Kotak Bank App
811 – Digital Account
Fund Transfers & Payments
Bill Pay & Recharge
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?
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
21st transaction onwards
Rs 2.50 * per transaction
Rs 5.00 * per transaction
*18% GST applicable
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.
Last 3 transactions
TXN(space)Last 4 digits of Account Number
Last 3 months statement on email
STMT(space)Last 4 digits of Account Number
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
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
Cheque Status Inquiry
CHQSTATUS(space)Last 4 digits of Account Number(space)6 digit cheque number
New Cheque Book Request
CHQBOOK(space)Last 4 digits of Account Number
Download Mobile App
Term Deposit/Fixed Deposit Renewal
TDREN(space)last 4 digit of Fixed Deposit no. OR FDREN(space)last 4 digit of Fixed Deposit no
Know your Credit Card Reward Points
Know your Customer Relationship Number (CRN)
Generate / Retrieve your Mobile Money Identifier (MMID)
MMID(space)Last 4 digits of Account Number
Cancel MMID for an account
MMIDREVOKE(space)7 digit MMID of your account
Cancel MMID for all accounts
MMIDREINST(space)7 digit MMID of your account
Know Your Investment Account Number
MFACCT(space)Last 4 digits of Customer Relationship Number
Holding Value of Investment account
MFBAL(space)Last 4 digits of Customer Relationship Number
Know Your Demat Account Number
DPACCT(space)Last 4 digits of Customer Relationship Number
Holding Value of Demat account
DPBAL(space)Last 4 digits of Customer Relationship Number
ATM(space)6 digit pincode
BRANCH(space)6 digit pincode
Regenerate Net Banking PIN
NETPIN(space)Last 4 digits of Customer Relationship Number
Regenerate Phone Banking PIN
PHONEPIN(space)Last 4 digits of Customer Relationship Number
Regenerate Debit Card PIN
DEBITPIN(space)Last 4 digits of Debit Card Number
Enable International Usage on Debit Card
DCENB(space)Last 4 digits of Debit Card Number
Activate Debit Card for use at merchant establishments (POS)
POSACT(space)Last 4 digits of Debit Card Number
Activate Debit Card
DCUNBLOCK(space)Last 4 digits of Debit Card Number
Recharge your mobile
REC(space)Mobile Number(space)Telecom service provider(space)Amount(space)Last 4 digits of Account Number
Recharge your DTH
DTH(space)Subscriber Number(space)DTH service provider(space)Amount(space)Last 4 digits of Account Number
PAYBILL(space) BILL ID(space)CRN(space)Last 4 digits of Account Number(space)Amount
Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Apply for Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Check your Kotak bank account application status
KACAPP(space)your XX digit Application Number
List of SMS banking keywords
Find APAC No. basis CRN No
Find APAC No. basis Registration No
Loan a/c balance
LOANBAL(space)Application APAC no.
LOANEMI(space)Application APAC no.
Loan amount financed
LOANFIN(space)Application APAC no.
Loan NOC Request
Request for Loan Payment Collection
Request for Loan SOA
LOANSOA(space)Application APAC No.(comma)EMAIL
Request for Loan Repayment Schedule
LOANRPS(space)Application APAC No.(comma)EMAIL
New vehicle loan
Vehicle in possession with bank
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.
Services offered on USSD Banking
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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