Kotak Net Banking – How to Register & Login?

Besides its extensive portfolio of banking products, Kotak Mahindra Bank is widely known for offering 24/7 net banking services to its corporate as well as retail customers, making their banking experience easier and more flexible. Through Kotak Mahindra Net Banking, you can pay bills, open an FD, apply for credit cards and conduct various financial transactions from the comfort of your home. 

Keep reading this blog to learn more about Kotak Mahindra Net Banking facilities in detail.

Kotak Mahindra Net Banking Services – KMBL Net Banking

To make banking easier for their customers, Kotak Mahindra offers an array of services through net banking. You can perform almost all banking functions through KMB net banking. Here are the services offered:

How to Register to Kotak Mahindra Net Banking?

There are 3 ways in which you can register for Kotak internet banking. Find the steps for each method below.

1. Online

• Step 1: Go to the official website of Kotak Mahindra Bank and click on “Log in”.
• Step 2: Click on the option “Register for Net Banking”.
• Step 3: Enter your customer ID/ CRN Number/user name/forex card number.
• Step 4: Enter the CAPTCHA, accept the terms and conditions and click “Continue”.
• Step 5: Verify the details by responding to 2 questions out of 4 and tap on “Continue”.
• Step 6: Choose from the methods to generate a password for Kotak net banking login.
• Step 7: Create and enter the new password and click on “Submit” to start using the facility.

2. Offline

• Step 1: Download and fill up the Request form for channel access. This form is available separately for individuals and organisations.
• Step 2: Submit the form along with the documents required (if any) to the nearest branch or send it to Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai – 400 013 via mail. You can also drop it at an ATM drop box.

3. Customer Care

Give a call at 1860 266 2666 or + 91 22 6600 6022 to Kotak Mahindra Bank customer care and follow the instructions given to register for Kotak Mahindra net banking.

How to Login to Kotak Mahindra Net Banking?

Here are the steps to log in to KMBL net banking login:

•  Step 1: Visit the Kotak Mahindra Bank’s official website and click on “Login”.
• Step 2: Enter your Kotak net banking login ID/phone number and password.
• Step 3: Click on “Proceed” and you will be able to access your Kotak Mahindra net banking facilities.

How to Reset Kotak Mahindra Net Banking Password?

In case you have forgotten your existing password, here are the steps to reset your Kotak net banking login password.

• Step 1: Go to the official website of Kotak Mahindra Bank.
• Step 2: Click on “Forgot Password” on the login page.
• Step 3: Enter your contact number and customer ID on the redirected page.
• Step 4: Enter the OTP received on the registered mobile number.
• Step 5: Provide your Credit/Debit/Forex card details or answer security questions, whichever is applicable.

If you opted for card verification, you will need to provide the following details:

1. Expiry date in MM/YY format.
2. The numeric value of the card chosen.
3. CVV (the 3-digit numeric code)
4. Card PIN

If you have chosen security question verification, you will need to answer 2 out of the 4 security questions correctly.

After successful verification, you will be redirected to a new page to reset your password. Upon successful resetting, you will receive an SMS and mail alert regarding the change in your net banking password for security purposes.

How to Check Kotak Mahindra Bank Account Balance Online?

There are 3 ways in which you can check your Kotak Mahindra account balance online. Find a stepwise guide for each method mentioned below.

1. WhatsApp

• Step 1: Give a missed call on 9718566655 from your registered mobile number. You will receive your bank account details along with a welcome message from the official WhatsApp number of Kotak Mahindra Bank 022 66006022.
• Step 2: Type and send “Bal” to view your account balance.

2. Mobile Banking

• Step 1: Log in to your mobile banking account.
• Step 2: Go to the “Banking” section.
• Step 3: Choose “Account Overview”.

The current account balance will be displayed on the screen.

3. Net Banking

• Step 1: Visit the official net banking website of Kotak Mahindra Bank. 
• Step 2: Log in to your “Net Banking” account using your login ID and password.
• Step 3: Click on “Banking”.
• Step 4: Visit the “Account Overview” tab to see your latest account balance.

How to Transfer Money via Kotak Mahindra Net Banking?

The Kotak Mahindra Net Banking facility allows individuals to transfer money via KMB net banking – NEFT, UPI, IMPS/RTGS. Find the steps for each method below.

1. NEFT

• Step 1: Log in to your net banking account with your login ID and password.
• Step 2: Add details of the beneficiary – account number, account holder’s name and IFSC code of the bank branch.
• Step 3: Authenticate the fund transfer by entering the OTP received in your registered mobile number.

2. UPI

The best part about transferring funds via UPI is that there is no need to share the beneficiary details, making the process more straightforward. Here are the steps:

• Step 1: Download and install the UPI app.
• Step 2: Create your UPI account and log in with your user ID and password.
• Step 3: Add a bank account/s linked to your mobile number. 
• Step 4: Create your unique VPA (Virtual Payment Address).
• Step 5: Enter the receiver’s VPA and transfer money.
• Step 6: Enter the amount to transfer, and your unique UPI ID, and click on “Submit”.

3. IMPS/RTGS

These methods are used for immediate payments, unlike NEFT. Also, RTGS is only beneficial for high-value transfers. The minimum transfer amount in the case of RTGS is ₹2 lakhs with no upper limit.

• Step 1: Log in to your net banking account.
• Step 2: Enter beneficiary details such as beneficiary account number, name and IFSC code of the branch.

After successfully adding the beneficiary, you can transfer the fund by authenticating with an OTP received on your registered mobile number.

Kotak Mahindra Net Banking – Daily Limits and Charges

Know the daily transaction limits and associated charges to avoid penalty or transactional mishaps. Refer to the table below:

How to Pay Credit Card Bills via Kotak Mahindra Net Banking?

Here are the steps you need to follow to pay your credit card bills via Kotak Mahindra Bank net banking online.

• Step 1: Log in to your net banking account.
• Step 2: Choose ‘Pay Now’ or ‘Make Payments’ in the ‘Credit Card’ section.
• Step 3: Provide the required payment details and confirm the same.

Your Kotak credit card account will receive the payment within 24 hours.

Kotak Mahindra Net Banking Features

Here are the exclusive features of Kotak Mahindra net banking facility:

1. Get access to banking facilities anywhere, anytime
2. Highly secure online transactions
3. Access to information regarding all your bank accounts in one place
4. Online password reset and unlock user ID instantly
5. Easily transfer funds between Kotak Mahindra Bank and your third-party accounts via NEFT, IMPS, RTGS and UPI
6. Start and manage fixed or recurring deposits online
7. View account balance, and account activity, and track cheque status anytime
8. View and modify your profile details such as PAN Card, Aadhaar details, email ID, FATCA Declaration, etc
9. Pay electricity bills, utility bills, and mobile/ DTH bills
10. Bookings for rail, train and air tickets are available online
11. Apply for a Debit Card/Priority Pass/Image Debit Card/Card Protection Plan and upgrade your existing Debit Card
12. Check securities in the Demat account
13. Download statements with digital signatures 
14. Secure online shopping 
15. Apply for Kotak Life Insurance Policy and pay premiums online
16. View, invest or redeem mutual funds
17. Through ASBA facilities, apply for IPO/FPO/Rights Issues without any paperwork
18. Link accounts, activate or deactivate debit cards or domestic and international usage, and reset debit card PIN
19. Place new cheque book requests, register for Payment Gateway and avail similar services

Kotak Mahindra Net Banking Customer Care

Find the details of Kotak Mahindra Banking customer care below:

Head Office Address

Final Word

Kotak Mahindra net banking brings all of the facilities under one roof, making banking easier and more convenient. By going through this comprehensive guide, you must have a clear idea of how to access a banking service at any time, from anywhere.

FAQs

Disclaimer

This article is solely for educational purposes. Stable Money doesn't take any responsibility for the information or claims made in the blog.