Kotak Mahindra Bank Mobile Banking

Last Updated : April 30, 2025, 12:51 p.m.

Kotak Mahindra Bank Mobile Banking is a secure and user-friendly platform that allows customers to manage their banking needs directly from their smartphones. Designed for both Android and iOS users, Kotak’s mobile banking services are delivered primarily through its flagship app, Kotak Mobile Banking App (Kotak 811). This app offers a wide range of digital banking features without the need to visit a branch.

Types of Kotak Mahindra Bank Mobile Banking

The different types of Kotak Mahindra Bank mobile banking are as follows -

Kotak Mahindra Bank Mobile Banking Registration

To register on Kotak Mahindra Bank mobile banking use the following steps -

Step 1: Download the App

• Visit your phone's app store:
  
  • Google Play Store (Android)
    
  • Apple App Store (iOS)
    
• Search for "Kotak Mobile Banking" or "Kotak811".
  
• Verify the developer is Kotak Mahindra Bank and install the app.

Step 2: Launch the App

• Open the app and select “Login” or “New Registration” (if you're a first-time user).
  
• Grant the necessary permissions (SMS, phone, contacts) if prompted.

Step 3: Enter Basic Details

You can register using any of the following:

• CRN (Customer Relationship Number) (found in welcome email, debit card, or passbook)
  
• Registered Mobile Number
  
• Kotak Debit/Credit Card details (last 4 digits + PIN)

Step 4: OTP Verification

• An OTP (One-Time Password) will be sent to your registered mobile number.
  
• Enter the OTP in the app for authentication.

Step 5: Set MPIN or Enable Biometric Login

• Create a secure 6-digit MPIN for quick login.
  
• (Optional) Enable Fingerprint or Face ID for faster and safer login.

Step 6: Access Services

Once registration is complete, you can:

• Check your balance and transactions
  
• Transfer money via NEFT, IMPS, RTGS, UPI
  
• Manage cards, investments, loans, and more

Process to Login Kotak Mahindra Bank Mobile Banking App

To log in using Kotak Mahindra Bank mobile banking app follow the steps below -

Step 1: Open the App

• Launch the Kotak Mobile Banking App on your smartphone.
  
• Make sure your mobile number (registered with the bank) is active in the same device.

Step 2: Enter CRN or Registered Mobile Number

• If it’s your first login:
  
  • Tap on "Login/Register".
    
  • Enter your CRN (Customer Relationship Number) or registered mobile number.

Step 3: OTP Verification (First-Time Login Only)

• You will receive a One-Time Password (OTP) on your registered mobile number.
  
• Enter the OTP to verify your identity.

Step 4: Set or Enter MPIN

• For first-time users: Set a 6-digit MPIN for future logins.
  
• Returning users: Simply enter your MPIN to log in.
  
• (Optional): Enable fingerprint or Face ID login under settings for quicker access.

Step 5: Access Your Dashboard

• After successful login, you can:
  
  • View account balance
    
  • Transfer money via UPI/IMPS/NEFT/RTGS
    
  • Pay bills, check credit card status, manage investments, and more

Kotak Mahindra Bank Whatsapp Mobile Banking

To get started with Kotak WhatsApp Banking:

• Save the official Kotak WhatsApp number: +91 77108 11811

• Open WhatsApp and send a message: Hi to the saved number

• Follow the prompts to complete registration, which includes:

1. • Verifying your registered mobile number via OTP
   • Selecting the desired service by entering the corresponding number or keyword.

Benefits of Kotak Mahindra Bank Mobile Banking

Some of the benefits of Kotak Mahindra Bank mobile banking are -

• Convenient:. Customers need not visit the bank for queries since everything can be managed using your mobile phone device.
• 24×7 Availability: Customers can access respective accounts on a 24×7 basis
• No Charges: Mobile banking is an economical facility that tracks accounts.
• Fund Transfer: You can transfer funds instantly
• Safe and Secure: It is safe and secure with a 2 layer authentication.

Uses of Kotak Mahindra Bank Mobile Banking App

You can use the Kotak Mahindra Bank mobile banking app for the following -

• Check the balance of savings & current accounts

• View past transactions

• Account overview

• Request for account statement

• Open Term Deposit

• Open Recurring Deposit

• View Term & Recurring Deposits

• e-statement

• Positive pay

• Term Deposit Calculator

• View Term Deposit Rates

• Premature Withdrawal of FD/RD

• View MMID

• Modify MMID

How to Reset the Password of Kotak Mahindra Bank Mobile Banking?

To reset the password for Kotak Manhindra Bank mobile banking -

Reset Kotak Mobile Banking MPIN (via Kotak Mobile App)

1. Open the Kotak Mobile Banking App on your smartphone.
   
2. On the login screen, tap on “Forgot MPIN?”.
   
3. Choose an authentication method:
   
   • Debit Card details (last 6 digits, expiry date, and ATM PIN), or
     
   • Net Banking credentials, or
     
   • CRN and OTP (sent to your registered mobile number).
     
4. Enter the required details and tap Submit.
   
5. Set a new 6-digit MPIN.
   
6. Confirm the MPIN and tap Submit again.
   
7. You can now log in using your new MPIN.

Kotak Mahindra Bank Mobile Banking Transaction Limit

The transaction limits for Kotak Mahindra Bank are as follows -