Kotak Mobile Banking App

Kotak Mahindra Bank Ltd.

About this app

The Kotak Mobile Banking App, a best in class App, provides banking on the go, which is a must in today’s digital era.
If you are not an existing Kotak customer, you can open a Kotak Savings account or an 811 digital bank account by visiting your nearest branch.

If you are an existing Kotak customer, you can use the 250+ features of the app to Bank, Pay bills, Invest, Shop and access services.
One of our recent additions to the 250+ features is our new Pay Your Contact feature, where you can now send money to anyone using just their mobile Number

• Bank on the go:
Manage all your financial transactions, send and receive money through NEFT, IMPS and RTGS & UPI, request for a cheque book and much more
• Shop at your fingertips:
Dive into KayMall and shop via Flipkart, Amazon, Bigbasket, book flights and hotel rooms via Goibibo and book train tickets (IRCTC Authorized Partner) and much more
• Pay your bills:
Pay your Mobile Recharge, DTH payments and other bills with the online BillPay feature. Also, use the AutoPay feature to remember your monthly bills and pay them automatically from your account. Never miss a deadline again
• Services:
Instant completion on requesting for services such as updation of profile details, switching on/off of your Debit/Credit Card online

There's a lot more you can do with our Mobile Banking App:
• Transfer money instantly using BHIM UPI without the need for any bank information
• Transfer funds easily on the go without registering a beneficiary
• Send money with Pay Your Contact, by just knowing your beneficiary’s mobile number
• Book train tickets (IRCTC Authorized Partner), Flight tickets, Bus tickets, Hotels. Shop on Amazon, Flipkart, BigBasket, and more in KayMall
• Recharge your mobile & DTH subscriptions with ease
• Purchase and redeem Mutual Funds and keep track of your investments
• Apply for a Kotak Credit Card
• Regenerate your Debit and Credit card PINs
• In case of loss, temporarily switch off your Kotak Debit Card for security purpose
• Pay Credit Card bill online
• Check your Bank Account statement
• Check your account balance
• Pay your bills, open a Term Deposit
• Post opening Account, go to Manage Profile and Click a selfie or upload your photo to set as profile picture

And that’s not all!
Mid-month cash crunch or an emergency? Get your salary in advance!
Kotak Payday Loan is available with just a few taps. Repay the loan when your salary gets credited next month.
Features of Payday Loan:
• Get a loan within seconds starting at Rs.3,000
• Pay interest as low as Re.1 per day
• Avail loan with no documentation
Eligible users can apply from the ‘Apply Now’ section.


Get started:
To get started, you just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time.


Kotak Bank App requires following permissions:
- Contacts: This is required to allow you fetching mobile number while mobile / DTH recharge or sharing IFSC/MMID
- Location: This is required for Branch / ATM locator
- Photos / Media / Files / Camera: This is required to let you access gallery / click an image to set profile picture.
- Phone: This is required to let you dial customer contact center
- SMS: This is required to auto activate the device during activation process.
- Read SMS : This will be applicable for select customers and basis customers' specific consent, KMB App will access device level alternate data for credit risk assessment and decisioning towards better product offering.

Please note that your data is safe with Kotak Mahindra bank. We do not share any information with third party without your initiation.

Ratings and reviews

I absolutely love this app. It's always had bugs but they were worth dealing with. However, after this latest update. This it's completely broken. Initially, it would just not connect to the internet and would only use offline maps, which of course wasn't very helpful when it came to the traffic. But more recently it stopped loading the map entirely and now it's completely useless. I tried to uninstall, clear cache, clear data, to no avail. So currently I'm on stupid Google maps. So sad!

Please bring back the 'Add fund by debit card' option! This feature was a game-changer for me and many others. It's a unique advantage that sets your bank apart from others. Without it, I'm forced to explore other banking options that offer more convenient funding methods. This is the only differentiating feature you guys have, and losing it would be a significant disappointment. Please reconsider and revive this handy option!

A lot of effort has been put into this app, but unfortunately I found it way too cluttered. An app like this, which revolves around building habits should be a lot more focused and guided. too many things happening. Also didn't appreciate how pushy it is about payment. I might have actually subscribed and used it if it was simpler and the UI didn't seem predatory to make me pay. When you say no, it keeps trying to get you to say yes - bad ux, made me not trust the app at all.

What's new

• General speed and design improvements.
• Bug fixes and enhanced security to improve your Mobile Banking experience.