Kotak-811,UPI,Payments & Loans

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

The app doesn't work smoothly. There is 5 sec delay on every click that you make. Logging in with fingerprint reader alone takes 30 sec. At night, the app doesn't work at all. Currently, they're offering credit limit upgrade to users but guess what, It is taking forever to load and the app throws this error "Something went wrong. Please try after some time", but they'll happily do it if you pay them money and opt for limit upgrade via email. Kotak Rewards also stuck on loading. Not recommended.

It's great to have everything you need in single application. But sometimes spendz scanner doesn't work as fast as it needs to be. Like other UPI apps it takes time to recognise QR code. In shaky situations like traveling in bus or train it works very slow and it's not desirable in that situation 🌹🌹

Very poor service from kotak bank. Just opened a 811 full kyc account but very bad experience overall. Didn't get virtual debit card which was promised as soon as I sign up the account. Unable to track down cheque book status and also application for debit card also got cancelled without any knowledge of it. Also the app is crashing down all the time and I am not able to any of the transactions or anything else on the app. Very very very bad experience overall.

What's new

1. Private banking – investment portfolio enabled for Wealth Customers.
2. Bug fixes and enhanced security to improve your Mobile Banking experience