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Introduction

Kotak Mahindra Bank has been quick to adapt to the Digital Banking revolution. They have upgraded many of their banking services to various digital modes to give enhanced banking experience to their customers. They have not only embraced internet banking but also other modes like mobile banking, WhatsApp Banking, SMS Banking, UPI Banking, USSD Banking, Google Assistant enabled Banking services and so on.

Though there are various Digital Banking methods, Internet Banking or NetBanking is still the most preferred form of them all. Internet Banking or NetBanking offers ultimate convenience to the users. It is self-instructional and easy to navigate for older people and those customers who are computer novices.

Kotak Mahindra Bank Net Banking

Kotak Mahindra Bank Net Banking

Kotak Mahindra Bank offers 24x7 Net Banking services to all its customers. Customers can enjoy a one-stop solution for all their banking needs from the comfort of their home or office or anywhere in the world.

Some salient features of Kotak Mahindra Bank Net Banking are: 

  • 24x7 Banking - Anytime, Anywhere
  • High security and safety – 256-Bit encryption
  • Single login for all your Kotak Mahindra Bank Accounts – link your savings account/current account, credit cards, loans, investments & other products under a single login
  • Reset password and unlock User IDs online, instantly

How to register for Kotak Mahindra Bank Net Banking account?

It is very simple to register for Kotak Mahindra Bank Net Banking. While opening an account with Kotak Mahindra Bank, you are provided with a Customer Number or CRN. You need to use this on the registration page to create your User ID and Password.

Online Net Banking Registration & Password Generation follows the below path: 

Net Banking Login Page Register for Net Banking Enter CRN Verify Your Details Choose Method Set Your Password

You can also follow any of the below methods to register for Net Banking: 

Option 1: You can request for Net Banking registration by calling the Customer Contact Centre - 1860 266 2666 (24x7) or +91 22 6600 6022

Option 2: You can also submit a physical request form at any of the branches or drop it in the drop boxes placed in ATMs. The Request Form is available in any of the branches or can be downloaded from the bank’s website.

Option 3: Send the filled form through ordinary post to the below address:

Customer Contact Centre,

Kotak Mahindra Bank Ltd.,

Post Box Number 16344,

Mumbai 400 01

How do I reset/regenerate my Kotak Mahindra Bank Net Banking password?

Customers can easily reset or regenerate their Net Banking password online: 

  • Click on "Forgot / Blocked Password" link to regenerate password or on "Password Locked?" link to unlock your existing password in the Net Banking login page
  • Enter User ID (CRN) or Net Banking Username
  • Answer two mandatory questions
  • Select one of the methods mentioned below for additional verification:
    • Debit card: Verify with your active Debit Card and PIN details
    • Security Questions: Answer the Security Questions you choose during registration.
    • Credit Card: Verify with your active Credit Card and PIN details.
  • After verification of Debit Card / Security Questions / Credit Card, enter a 6-character password of your choice and another 6-character password will be sent to your preferred email ID and mobile number. In the case of unlocking a password, the existing password is unlocked instantly.
  • Log into Kotak Net Banking with the combination of your 6-character password followed by the 6-character password sent to you via email or mobile number.
  • You also have an additional option to request for a physical PIN mailer. Select any one method mentioned below for additional verification:
    • Answer Account related questions: Verify by answering your account-related questions
    • Generate One Time Password: Verify by entering One Time Password sent on your preferred email ID and mobile number

What are the transactions I can do using Kotak Mahindra Bank Net Banking password?

Saving and Current Accounts:

  • View account details & account activity
  • Account details will be available to the customer like joint holder details (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.
  • Customers 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 request for a premature withdrawal and also request for change in maturity instructions online.
  • 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.

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. 2 lakhs 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 be 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.
  • 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.)
  • Manage the transfer limits for each beneficiary. 

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 that is free of charge
  • 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.
  • Option available to Pay Now or Later.
  • 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.

Profile Details: 

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

Other Services available through Kotak Mahindra Bank Net Banking

  • Tax Center
  • Demat Account
  • Investments
  • Kotak NETC@RD
  • Service Requests
  • ASBA - Application Supported by Blocked Amount to invest in IPO/FPO/Rights Issue

Kotak Mahindra Bank Net Banking FAQs:

1. Why should I use Kotak Mahindra Bank Net Banking?

Kotak Mahindra Bank offers 24x7 Net Banking services to all its customers. Customers can enjoy a one-stop banking solution for all their needs from the comfort of their home or office or anywhere in the world. Kotak Mahindra Net Banking allows customers to perform various banking activities like Demat and investment accounts, transfer funds between your / third party accounts with Kotak Mahindra Bank, or with any other Bank which participates in RBI NEFT/ RTGS scheme, request a cheque book and physical statement, purchase & redeem investments online, paying utility bills, registering for payment gateway and access many more services. It is a totally safe and secure way to bank.

2. What is InterBank Fund Transfer?

InterBank Fund Transfer allows you to transfer money from your Kotak Mahindra Bank account to an account in any other Bank, provided that the beneficiary's bank is part of the RBI National Electronic Funds Transfer (RBI - NEFT) scheme. This facility is available currently to resident Indian customers only.

3. What are the Investments activities I can do online?

Customers can perform the following investment activities through Kotak Mahindra Bank Net Banking

  • You can view your Account, Transaction Details and NAV of your investments
  • You can purchase and redeem investments online
  • You can check on the status of your Purchase/Redemption requests
  • You can download reports
  • You can get the latest NAVs and advisory services

4. How secure is Kotak Mahindra Bank Net Banking?

Kotak Mahindra Bank has in place the most advanced security system to safeguard your Net Banking transactions. All your transactions travel in a 256-bit SSL encrypted medium, the highest level of security on the Internet. The servers are protected with firewalls that make unauthorized access impossible.

5. I have forgotten my Net Banking password. How can I regenerate it?

You can reset or regenerate your password instantly with the 'Generate Password' service available on the login page of Net Banking. You can also call the 24-hour Contact Centre and request them to assist you with your Password Reset.

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