Kotak Mahindra Bank UPI

Last Updated : July 18, 2025, 5:19 p.m.

Kotak Mahindra Bank offers a robust Unified Payments Interface (UPI) service through its Kotak Mobile Banking App and the BHIM UPI platform, enabling seamless, instant, and secure digital transactions. This article provides a detailed overview of Kotak Bank’s UPI service, covering its features, registration process, transaction limits, and more.

Features and Benefits of Kotak Bank UPI App

Kotak Mahindra Bank’s UPI service, integrated into the Kotak Mobile Banking App and supported by platforms like Kaypay and BHIM UPI, offers a range of features designed to simplify banking:

• Instant Fund Transfers : Send and receive money in real-time, 24/7, without needing bank account numbers or IFSC codes. Transactions are completed within seconds using Virtual Payment Addresses (VPAs) like yourname@kotak.
• No Beneficiary Addition Required : Transfer funds directly to a recipient’s VPA without the need to add them as a beneficiary, saving time.
• Multi-Account Linking : Link multiple UPI-enabled bank accounts to a single app for consolidated management.
• Push and Pull Transactions : Initiate both sending and requesting money, offering flexibility for users.
• QR Code Payments : Use the "Scan & Pay" feature to make quick payments at merchant outlets by scanning Bharat QR/UPI QR codes.
• Merchant Solutions : Supports offline (dynamic/static QR codes) and online (collect requests, in-app payments) solutions for merchants.
• Enhanced Security : Transactions are secured with a UPI PIN and multi-layer authentication, ensuring confidentiality and safety.
• Versatile Transactions : Use UPI for fund transfers, bill payments, mobile/DTH recharges, online purchases, and even IPO applications.
• User-Friendly Interface : The app offers a seamless and intuitive experience, making it easy to manage transactions.
• Zero Balance Account Support : Kotak811 users can manage UPI payments with a zero-balance savings account, adding flexibility.

How to Register Kotak Bank UPI App?

Registering for Kotak Bank’s UPI service is straightforward and can be done via the Kotak Mobile Banking App or Kotak811 App. Follow these steps:

1. Download the App : Install the Kotak Mobile Banking App or Kotak811 App from the Google Play Store or Apple App Store.
2. Log In or Register :
   • Existing Customers : Open the app, tap "Already have an account? Login," and enter your Customer Relationship Number (CRN) and existing MPIN. For first-time setup, authenticate using debit/credit card details or net banking credentials.
   • New Customers : Download the app, click "Apply for an Account," and follow the prompts to open a Kotak811 zero-balance account. Provide KYC documents and complete verification.
3. Create a UPI ID/VPA :
   • Navigate to the "BHIM UPI" section under "My Kotak" or "Banking."
   • Select "Manage VPA" and click "Build VPA."
   • Choose the account to link, enter a preferred VPA (e.g., yourname@kotak), verify availability, and confirm.
4. Set UPI PIN : Create a 4- to 6-digit UPI PIN to authorize transactions. This is separate from other MPINs and must be set within the app.
5. Complete Activation : Follow the one-time activation process prompted by the app, which may require SMS or device verification.

If you forget your MPIN, reset it via the "Forgot MPIN" option in the app, following the authentication steps.

Kotak Bank UPI Pay Limit per Month / per Year

Kotak Mahindra Bank’s UPI transaction limits are aligned with standard banking regulations and app-specific restrictions:

• Daily Limit : Up to ₹1,00,000 per day for one-time fund transfers without adding a beneficiary. For newly registered devices or reinstalled apps, the limit is ₹10,000 per day for the first 7 days across all transfer types (UPI, NEFT, IMPS, Scan & Pay).
• Per Transaction Limit : Up to ₹1,00,000 per transaction for standard UPI transfers. For IMPS to registered beneficiaries, the limit is ₹5,00,000 per transaction daily.
• Monthly/Yearly Limits : Kotak Bank does not explicitly specify a monthly or yearly UPI limit in available sources. However, the National Payments Corporation of India (NPCI) guidelines typically cap UPI transactions at ₹1,00,000 per day, which applies unless customized by the bank. For high-value transfers exceeding ₹10,00,000 daily, visiting a Kotak branch is recommended.

Note: Limits may vary based on account type (e.g., Kotak811 zero-balance accounts) or regulatory updates. Always check the app or contact customer care for the latest limits.

How to Increase Kotak Bank UPI Limit?

To increase your UPI transaction limit beyond the default settings, follow these steps:

1. Contact Customer Care : Reach out to Kotak’s customer care at 1860 266 2666 or email social.experts@kotak.com to request a limit increase. Provide your CRN and account details.
2. Visit a Branch : For transactions exceeding ₹10,00,000 daily or to customize limits, visit a nearby Kotak Mahindra Bank branch with a photo ID and account details.
3. Verify KYC : Ensure your account has completed full KYC, as incomplete K Ang or limited KYC accounts (like Kotak811) may have restricted limits. Complete KYC through the app or by scheduling an agent visit.
4. Check Account Type : Higher limits may be available for premium accounts compared to zero-balance accounts like Kotak811. Upgrading your account type may help.
5. Monitor App Notifications : The app may prompt you to authenticate or update settings to enable higher limits after the initial 7-day restricted period.

Note: Limit increases are subject to bank approval and compliance with NPCI guidelines.

How to Transfer Funds by Using Kotak Bank UPI

Transferring funds via Kotak Bank UPI is quick and simple:

1. Open the App : Launch the Kotak Mobile Banking or Kotak811 App and log in using your CRN and MPIN.
2. Access BHIM UPI : Navigate to the "BHIM UPI" section under "My Kotak" or "Banking."
3. Select Send Money :
   • Choose "Send Money" from the BHIM UPI menu.
   • Select the payment mode: "Pay to VPA" or "Pay to Account."
4. Enter Details :
   • For VPA: Enter the recipient’s VPA (e.g., recipient@upi), amount, and optional remarks.
   • For Account: Enter the beneficiary’s account number, IFSC code, amount, and remarks.
5. Authenticate : Review the details, enter your UPI PIN, and submit to complete the transaction. The transfer is instant, and the recipient receives funds immediately.

For QR code payments:

• Select "BharatQR Scan & Pay" in the app.
• Scan the merchant’s QR code, choose your VPA, enter the amount, and authenticate with your UPI PIN.

How to Receive Funds through Kotak Bank UPI?

To receive funds using Kotak Bank UPI:

1. Share Your VPA : Provide your UPI ID (e.g., yourname@kotak) to the sender.
2. Request Money :
   • In the app, go to "BHIM UPI" and select "Request Money."
   • Choose your VPA, enter the payer’s VPA, amount, and comments, then submit.
   • The payer receives a notification and must approve the request with their UPI PIN.
3. Check Notifications : Monitor the app for incoming requests or transaction confirmations. Funds are credited instantly upon approval.
4. View Transactions : Check your account statement in the app to confirm receipt. Note that SMS alerts are sent only for debit transactions above ₹100 and credit transactions above ₹500.

Kotak Bank UPI Customer Care Number

For any issues or queries related to Kotak Bank UPI, contact:

• Toll-Free Number : 1860 266 2666 (available 24/7 for general banking queries).
• Kotak811-Specific Number : 1860 266 0811 (for Kotak811 app-related queries).
• WhatsApp Banking : Add 022-6600-6022 to your contacts and send "help" to access services.