Kotak Digital Banking

Send money, shop or apply for loans from the safety of

your home using Kotak Net / Mobile Banking
Here's what's new
in store!

Now send money

to a mobile number linked to any payment app
with the all new Pay Your Contact feature
in the Kotak Mobile Banking App!
 Presenting Pay
Your Contact
An all-new feature on the
Safe and Secure transcation
Kotak Mobile Banking App

With the brand-new ‘Pay Your Contact’ feature in the Kotak Mobile Banking
App, you no longer require bank account details to transfer funds.

Now make all your payments safely and securely by just knowing your
beneficiary’s mobile number.

All you need to do is:

1 Log in to the Kotak Mobile Banking App

Tap on the ‘Pay Your Contact’ feature under the

2 ‘Quick Access’ section available right on top of
PAY YOUR CONTACT

your home screen

3 Enter / select the mobile number of the beneficiary

Select where you would like to send money:

Tap on Kotak Icon if the receiver is a Kotak Customer
4 OR
Tap on any fo the Payment Apps displayed on the screen
Please note - You could also manually enter the UPI ID

5 Review your details and submit!

Here's how to use the 'Pay Your Contact' feature.

Terms and conditions apply.

Your Guide to Online Banking

Mobile Banking App

Enjoy 180+ services on Kotak Mobile Banking
App. Transfer funds, invest, avail banking
services, shop, pay bills, book tickets and
do much more.

Net Banking
Bank anywhere, anytime from
the comfort of your home,
office via laptop/desktop

Key Services on Mobile and Net Banking

Fund Transfer
Transfer money in a few steps using RTGS,
NEFT, IMPS, etc.

BillPay
Pay credit card, utility bills, recharge mobile & DTH
using BillPay. Automate bill payments with AutoPay.

UPI
Now send money without entering bank details with UPI
on the Kotak Mobile Banking App. To get started, all you
need is a UPI ID linked with your Kotak Bank Account.

KayMall
KayMall lets you shop, book flight/bus/train tickets,
hotel rooms, OIa cabs and more from one place.

Online Payments
Through Net Banking
Shop on your favourite sites and use Kotak Net
Banking as your preferred payment mode. Also, enjoy
a higher transaction limit of Rs.10 lakh/day.

Keya
In case of any queries or service requests, just ask
Keya - Kotak’s virtual chatbot availabe on the Kotak
website, Net and Mobile Banking.

Simplify banking by going digital today!

 Enjoy Seamless
Banking 24/7 with
Kotak Net Banking.

Here’s how you can get started on Kotak Net Banking:

1 Go to Kotak Net Banking login page

2 Enter your User ID/CRN/Card Number

Enter your Net Banking Password or

3
tap on ‘Generate Password’

After this, enter your register mobile number

4 and the OTP received.

Enter your card number and details to

5 generate your password

Alternatively, you can set your password by

- Answering security questions set by you earlier or
6 - Requesting the delivery of a physical PIN to your
bank registered address.

To know how to Login to Kotak Net Banking and generate password watch this:
https://www.kotak.com/rd/HowToLoginToNetBanking

To watch a walkthrough of the Kotak Net Banking platform watch this:

https://www.kotak.com/rd/NetBankingWalkthrough
 Simplified
Banking Solutions
With the Kotak Mobile Banking App
180+ banking services, from transferring
funds to shopping and more.

Here’s how you can get started on the

Kotak Mobile Banking App:

1 Download the Kotak Mobile Banking App

from Playstore/App Store

2 Open the App and tap on ‘Click here to log in’

To verify your registered mobile number, tap

3 on ‘Send secure SMS now’’*

Once your mobile number is verified, enter

4 the ‘MPIN’, tap on ‘Submit’ and you’re done!

Please note:
First time users will need to create a new MPIN by entering their Debit Card
OR Credit Card Or Net Banking details or personal details.
* - For iOS users, the Messages App will open up with a pre-filled SMS.
Please send this SMS within 5 seconds.
- For Android users, the SMS will be sent automatically.
- In case of a dual SIM phone, select the bank registered number to
proceed.
 Enjoy Faster
Fund Transfers
With Kotak Mobile/Net Banking.

Here’s how you can transfer funds:

1 Login to Kotak Net or Mobile Banking App

On the Kotak Mobile Banking App Go to

2.1 Payments > select ‘Send Money’

On Kotak Net Banking Go to Payments >

2.2 Payments and Transfers > select ‘Send Money’

3 Select the type of transfer

4 Fill the details & make the payment

 Enjoy Instant & Safe
Money Transfer
You don’t need to remember complicated
bank account details anymore.

Here’s how you can create a UPI ID on the

Kotak Mobile Banking App:

1 Log in to your Kotak Mobile Banking app

2 Find BHIM UPI under ‘Pay & Transfer’ section

3 Select ‘Manage UPI ID’

Tap on ‘Create new UPI ID’, enter your

4
prefered UPI ID and check its availability

5 Link your Bank Account with your UPI ID

Also, you can make quick payments via UPI through Scan & Pay.
Simply authenticate with your thumbprint or MPIN and
scan the barcode at the store.

Here’s how you can use Scan & Pay:

1 2

1 2

Tap on ‘Scan & Pay’ Verify using

in the ‘Pay & Transfer’ your thumbprint
Tap on ‘Scan & Pay’
Tab on the Kotak or MPIN
Verify using
in the ‘Pay & Transfer’
Mobile Banking App your fingerprint/face ID
tab on the Kotak Mobile
or MPIN
Banking App

3 4

3 4

Scan QR code to Enter the amount

make the payment to be paid & confirm

Scan QR code to Enter the amount

make the payment to be paid & confirm

Start transacting today!

Know how to create your UPI ID here:

http://www.kotak.com/create-UPI-ID

Learn more about UPI related charges

https://www.kotak.com/en/digital-banking/ways-to-bank/bhim-upi/charges.html
 Make Bill
Payments 24x7
With Kotak BillPay!
The seamless AutoPay feature allows you
to register just once & autopay all your
utility bills.

Here’s how you can pay bills:

1.1 On the Kotak Mobile Banking App Log in >

select BillPay / Recharge.

1.2 On Kotak Net Banking Log in > Go to

Payments -> BillPay and Recharge

Fill in your details, select Bank

2 Account/Credit Card as payment mode

3 Confirm details after checking

4 Voila! Your bill payment is done!

On BillPay, you can make the following payments:

Electricity bill Gas bill Mobile

post-paid bill

Mobile prepaid & Water bill Credit card bill

DTH recharge

Know how to use BillPay here: http://www.kotak.com/Pay-Bills

 Get Your Loan
Related Information
24x7!
Access all your loan related information on
Kotak Net Banking & Mobile Banking App.

Information & Services available:

1 Detailed Loan Summary

2 Disbursement Details

3 Repayment Schedule/Overview

4 Statement Request

5 Frequently Asked Questions

6 Provisional & Final Tax Certificates

for Home Loan customers

Here’s how you can access loan details

on Net/Mobile Banking:

Net Banking Mobile Banking

Simply log in and visit Simply log in and click on
Loans -> My Loans the ‘Loans’ tab in the
section bottom menu
 Kotak Mobile Banking App

KayMall – Kotak’s
In-App Mall!
To access KayMall, simply open the
Mobile Banking app or go to Kotak Net
Banking!

With KayMall you can:

Book flight Book train tickets Book

tickets without without payment bus tickets#
convenience fees# gateway charges*

Book Book Ola Cabs** Shop online*

hotel rooms#

Along with KayMall, you can enjoy 180+ services across banking, shopping
and payments on the Kotak Mobile Banking App.

Know more about KayMall here: http://www.kotak.com/kaymall

*Only available on Mobile Banking App

#Available on both Kotak Mobile Banking App and Net Banking

**Only available on Android devices

 Go on a Shopping
Spree from the
Comfort of your Home
With Kotak Credit & Debit Cards!
Make seamless online payments anytime,
anywhere with Kotak Credit or Debit Cards!

Here’s how you can use your card online:

1 Select the product and add to cart

Go to the payments page and choose Kotak

2
Credit/Debit Cards as your mode of payment

3 Enter your card details

Enter the OTP you have received on your

4
registered mobile/email & click on submit
 Say Hello to Quick &
Cashless Toll Payments
with Kotak FASTag.

How to apply for Kotak FASTag:

www

Visit Click on Apply Now & Pay and get the tag
www.kotak.com/fastag enter the required delivered to your
details doorstep

Recharge your FASTag by logging in to the FASTag Portal:

1 Log in to Kotak Mobile Banking App/Net Banking

2 Click ‘BillPay/Recharge’
RECHARGE

Select ‘Kotak Mahindra Bank – FASTag’ as

3 the Biller name

Enter Vehicle Registration Number (VRN) &

4 amount > Click on ‘Confirm & Pay’
CONFIRM & PAY

Alternatively, you can pay through your nearest BBPS agent outlet, bank branch
or any BBPS service point.

Steps to recharge via UPI using apps like:

Kotak Mobile Banking App | Google Pay | Phone Pe | Amazon Pay etc.

1 Open BHIM UPI section in Kotak Mobile

Banking App or any App

Click on Pay to UPI ID (Send Money) and enter your

2
PAY TO UPI ID

predefined VPA/UPI ID for Kotak FASTag wallet

E.g.: Your Kotak FASTag VPA/UPI ID for recharge

3 will be NETCMH14EU6789@KOTAK, if your vehicle UPI ID

number is MH14EU6789

Access your Kotak FASTag Wallet at https://fastag.kotak.com

and check balance by giving a missed call to 7406575500
from your registered mobile no.

Call our customer care number: 1860 266 6888

T&C apply. Local call charges applicable.

 Kotak Mobile Banking App

Keep Your Details Safe & Secure!

Please ensure that you keep the following information safe:

Net/Mobile/Phone Debit/Credit Card Do not share account

Banking numbers, CVV information or any
passwords/One number, expiry sensitive information over
Time Password date e-mail, phone or SMS.
(OTP)/UPI PIN https://www.kotak.com/e
n/safe-banking.html

IMPORTANT
• Always visit the official website – www.kotak.com for the bank’s
contact details

• Do not click on any links and share your bank details

• Do not fall prey to any calls/emails/SMS asking you to urgently

convert your Debit/Credit Card Reward Points

• We at Kotak Mahindra Bank will never ask for any sensitive

information from our customers

Call the dedicated 24 X 7 toll-free number

1800 209 0000 to report a fraud or any unauthorized
transaction in your Account/Credit Card.

If you have any other queries:

Chat with KEYA on Kotak Net
Banking or Mobile Banking App.

Terms & Conditions Apply

Know more about Kotak Digital Banking at http://www.kotak.com/digital_banking