Kotak Net Banking: Kotak Internet Banking How to register login & use Kotak Net Banking Online

Kotak Net Banking 2021 in this modern era of technology learn how to use Kotak Net Banking, How to register for Kotak Net Banking, How to start Kotak Net Banking, with the help of Netbanking247 under one roof.

Kotak Net Banking

Click Here to Login Kotak Net Banking

Kotak Bank Online Banking facilitates customers to make financial transactions easily at the comfort of their home or offices once they have registered for Kotak Internet Banking facility.

Kotak Online Banking
Kotak Net Banking Login https://www.kotak.com/j1001mp/netapp/MainPage.jsp
Services Offered Fund Transfer, Balance Check, Book online tickets, Making Payments, Opening FD/RD Account etc.
Registration Methods Visit Bank Branch/ATM or register online through Net Banking Portal
Online Fund Transfer Methods & Limit IMPS- ₹ 2 Lakhs
NEFT- ₹ Nil
RTGS- ₹ Nil

Kotak Net Banking

Kotak Mahindra Bank is well Bank in India Kotak Bank provide Net Banking / Internet Banking services to its retail as well as corporate Bank customers. Kotak Mahindra Bank Account holders can avail services like Fund transfer, Bill Payment, Apply for a new debit/credit card, open a new FD/RD account and book tickets and much more without paying any additional charges or fees provided that they have an internet connection and their mobile number is registered with the Kotak Mahindra bank. Customers can make financial transactions easily at the comfort of their home or offices once they have registered for Kotak Bank Internet Banking facility.

What are the benefits of using Kotak NetBanking?

Now with Kotak Net Banking you can enjoy a convenient way to bank from the comfort of your home or office. Explore a one-stop solution for all your banking needs 24x7 with Kotak Net Banking services.

The Internet Banking provides you a host of benefits like:

  • View your account balance, account activity, account details, un-cleared fund details, cheque status and current exchange rates.
  • Transfer funds between your accounts or third party accounts maintained with Kotak Mahindra Bank, or with any other Bank which participates in RBI NEFT / RTGS / IMPS scheme, open a Term / Recurring deposit, check the Term / Recurring Deposit rates over various tenures & amounts, set up standing instruction online to transfer funds between your own accounts, third party accounts or through Banker's Cheques.
  • e-File income tax
  • Request for a cheque book and give stop cheques request.
  • Download account statement for the financial or calendar year, for a month or a specific period.
  • Enquire about the TDS information on your deposits for the current & previous financial year.
  • Register and view your Kotak Life Insurance policy.
  • Register and apply for National Pension System (NPS)
  • Pay all your utility and credit card bills and recharge prepaid mobile / DTH through Kotak BillPay

What are the services which can be accessed through Kotak Net Banking?

Kotak Net Banking gives you accessibility to your account/s - anytime, anywhere, 24X7 - at your own comfort. You can manage your all your daily transactions online. You can view statements, order cheque books, do fund transfers, order DDs, pay your bills & even shop online.


  • Transfer funds online between your third party accounts with Kotak Mahindra Bank, or any other bank account via NEFT, RTGS or IMPS
  • Book a Fixed / Recurring Deposit and do premature withdrawal online
  • View and update your Profile details such as email ID, PAN Card , Aadhaar Number, FATCA Declaration, etc. online instantly
  • View account balance, account activity and check cheque status
  • Pay your Utility Bills, Credit Card, Recharge prepaid mobile / DTH using Kotak BillPay
  • Recharge prepaid mobile phone and DTH accounts
  • Book Air, Bus tickets and do Hotel bookings online
  • Place requests for a cheque book, Payment Gateway registration and many more transaction services
  • Re-generate Debit Card PIN, Activate/Deactivate Debit Card, Activate/Deactivate Debit Card for International Usage, Link Accounts
  • Apply for New Debit Card, Upgrade Debit Card, Apply for Image Debit Card, Apply For Priority Pass, Apply for Card Protection Plan
  • Download digitally signed statements through Statement tab
  • View securities available for Demat Accounts
  • Safe online shopping with Kotak Netc@rd at over 8500 websites
  • Invest/Redeem in Mutual Funds online and view current Mutual Fund portfolio
  • Apply for IPO/FPO/Rights Issue without any paperwork from the convenience of your home/office using ASBA facility
  • View Kotak Life insurance policy, switch funds, pay premium online
  • Apply online for new Kotak Life insurance policy

What do I need in order to use Kotak Online Banking service?

What are the channels through which I can initiate an NEFT Fund Transfer in Kotak?

  • Kotak Internet Banking - Send money to your chosen beneficiary from your desktop/laptop
  • Kotak Mobile Banking - Send money through your Kotak Mobile Baking app
  • Kotak Branch - Visit your nearest Kotak Bank Branch and fill the NEFT form to do an NEFT transaction
  • Kotak Enet - Net banking facility for Corporates

What are the transaction steps for NEFT through Kotak NetBanking/MobileBanking?

For NEFT you will need to begin by adding a beneficiary. Then you can go on to make a funds transfer or Credit card payment.
For online transaction, both the NetBanking and Third Party Funds Transfer facilities should be enabled. (If you’re not yet registered, just fill the form at your closest Kotak Bank branch).

Steps to add beneficiary for NEFT-

  • Addition of Kotak Bank Beneficiary
    • Go to PAYMENTS and click on Transfer Funds
    • Select the option "Other Kotak Bank Account"
    • Click on "Register New Beneficiary"
    • Enter the Beneficiary Nick Name and Account Number/Mobile Number. Click on Get Account Details. The name of the beneficiary will be displayed on the screen. Validate if the correct beneficiary is being registered.
    • Enter the Netsecure code to complete registration
    • Your beneficiary is now registered.

  • Addition of Other Bank Beneficiary
    • Go to PAYMENTS and click on Transfer Funds
    • Select the option "Other Bank Account"
    • Click on "Register New Beneficiary"
    • Enter the Beneficiary Nick Name and Account Number. Click on Get Account Details. The name of the beneficiary will be displayed on the screen. Validate if the correct beneficiary is being registered.
    • Enter the Netsecure code to complete registration
    • Your beneficiary is now registered.

Steps to make your NEFT funds transfer -
Step 1 - Go to Fund Transfer tab, and select 'Transfer to other bank(NEFT)'
Step 2 - Select account, beneficiary, and enter the relevant details
Step 3 - Accept the Terms and Conditions
Step 4 - Review the details, and, if all is correct, confirm to complete the process

  • The beneficiary will be activated after 30 minutes (due to security reasons). The Beneficiary can be viewed in the "View Beneficiary" option of the Enquire Section.
  • Post activation of a beneficiary, Rs. 50,000 (in full or parts) can be transferred for the first 24 hours.
  • An added beneficiary, to whom no funds are transferred for more than 24 months, is treated as a new beneficiary in all respects.
  • A maximum of 7 beneficiaries can be added/modified/deleted in a period of 24 hours.

What information is required to do an NEFT transaction?

For an NEFT remittance, the remitter has to furnish the following information:

  • Amount to be remitted
  • Remitting customer's account number which is to be debited
  • Name of the beneficiary bank
  • Name of the beneficiary
  • Account number of the beneficiary
  • Sender to receiver information, if any
  • IFSC code of the destination bank branch

How to do Credit card payments through NEFT?

Credit card payments can be completed easily through Kotak Bank’s NEFT service under NetBanking.
There are a few points to note:
  • You need to have the NetBanking and Third Party Funds Transfer facilities enabled (If you’re not yet registered, just visit your nearest Kotak Bank branch and fill the form).
  • The Credit card issuing bank must be enabled to receive payments via NEFT
  • The IFSC should be obtained from the Credit card issuing bank (without the correct IFSC, the transaction will be rejected)
Steps to make your Credit card payment -

Step 1 - Go to Fund Transfer tab, and click Transfer to other bank
Step 2 - Select account, beneficiary, and enter the relevant details
Step 3 - Accept the Terms and Conditions
Step 4 - Review the details, and, if all is correct, confirm to complete the process

What is a Kotak Bank Customer ID?

A Customer ID is a 9-digit number which uniquely identifies your relationship with Kotak Bank. Your customer ID is usually your login ID for the Internet Banking login. Please mention this ID in all your communications with Kotak Bank.

What to do if i am unable to login into Kotak NetBanking?

It might be due to one of the following reasons:

  • Incorrect login ID or password:
    Your login ID is your Customer ID. In case you have forgotten your Customer ID, it is written in the welcome letter and on your cheque book. In case you have forgotten your password click on "Forgot Password" (Incorrect link) link to generate your password online. Please note that password is case sensitive.
  • Disabled login ID: In case of 5 incorrect login attempts, the system disables your Internet Banking Login ID/User ID for the calendar day. Now you can enable your login ID instantly using Enable Login ID link, else it will be enabled automatically on the next calendar day.
  • First time user: If you have a debit card, you can straight away login to the Internet Banking by using the card credentials without any further registration process If you do not have a debit card, please use “First Time User” ‘Hyperlink’ option on the login page, to register online and generate password instantaneously.
  • Browser Issues: The Internet Banking is best accessed using the latest version of the below browsers - Internet Explorer, Chrome, Firefox and Safari.


What general precautions should I take to protect my account on the internet?

To protect your account from online fraudulent activities, please take care of the following:

  • Keep your password top secret and change them as often as possible
    Changing passwords often helps in protecting your account even if inadvertently you may have disclosed it to someone.
  • Make your password difficult to crack
    When you create your password, make it at least 8 characters long. Include at least one capital letter, one numerals (0-9) and one special character (like #, $ etc.). This makes the password very difficult to crack
  • Avoid using cyber cafes to access your Internet Banking accounts
    PCs at cyber cafes may be infested with viruses and Trojans that can capture and transmit your personal data to fraudsters. The easiest way to grab information is key logging software, which record all the keystrokes you typed, to be retrieved later for fraudulent usage. Beware of typing passwords on unknown PCs.
  • Keep your computer secure
    Some phishing emails or other spam may contain software that can record information on your Internet activities (spyware) or open a 'backdoor' to allow hackers access to your computer (Trojans). Installing anti-virus software and keeping it up to date will help detect and disable malicious software, while using anti-spam software will stop phishing emails from reaching you. It is also important, particularly for users with a broadband connection, to install a firewall. This will help keep the information on your computer secure while blocking communication from unwanted sources. Make sure you keep up- to-date and download the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example users of Internet Explorer should go to the Microsoft website.
  • Check the website you are visiting is secure
    Before submitting your bank details or other sensitive information there are a couple of checks you can do to help ensure the site uses encryption to protect your personal data:
    • If the address bar is visible, the URL should start with 'https://' ('s' for secured) rather than the usual 'http://'.
    • If the address bar is not visible as in our Internet Banking website, look for a lock icon on the browser's status bar. You can check the level of encryption, expressed in bits, by hovering over the icon with your cursor.
  • Validate the SSL Certificate
    If you are in any doubt, click on the lock icon at the bottom of the secured page. This opens up a new window, displaying the SSL certificate information. Ensure that there is no red cross mark preceding the title 'Certificate Information'. It should also be 'Issues to:https://www.axisbank.co.in
    You can get more information by clicking on the other tabs in the certificate window. Following the above steps would help you in protect yourself. However, please remember, fraudsters are always trying to stay a step ahead. To ensure that you remain protected at all times:
    • Never let anyone know your PINS or passwords
    • Do not write them down
    • Do not use the same password for all your online accounts
    • Avoid opening or replying to spam emails, as this will give the sender confirmation they have reached a live address.
  • Never respond to emails that request personal information
    At Kotak Bank, we would never ask for your personal details through an email. Nor would we ask for your password through any means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. If you do not recognize an amount charged to you, please report the same in writing to Kotak Bank immediately. In case you suspect an email claiming to be from Kotak Bank is fraudulent, please report it to the Call Centre.

What do I do if forgotten Kotak Internet Banking password?

You can generate Kotak Internet Banking password online in case you have forgotten it. You will need your 16 digit ATM/debit card number and ATM PIN. If you do not have a debit card, then please place a request for PIN at the call center or your nearest branch. Click here For generating your password online to generate your password online.

What is the daily transaction limit in Kotak Internet Banking?

The daily transaction Default limit for the day is Rs. 5 Lakh. There is no maximum limit for Funds Transfer. You can enhance your daily limit upto 50 lakhs through the Internet Banking. You can place a request for increasing the limit beyond Rs. 50 lacs and the same is processed on case to case basis.

What are types of fund transfers i can do through Kotak Netbanking?

You can do the following types of Fund Transfer:

  • Fund Transfer between your own accounts
  • Fund Transfer to any Other Kotak Bank account
  • Fund Transfer to Other Bank's Account (NEFT/RTGS/IMPS)
  • Visa Card Payment
  • Instant Money Transfer

Who is eligible for the Kotak Internet Banking?

Kotak Internet Banking service is available to all individual Savings and,Current account, only credit card and only loan customers. This is applicable for all domestic & NRI customers. In all cases, the customer should have the authority to operate the account with full permission.

How to get Kotak Bank Internet Banking Login ID?

  • You can SMS” CUSTID<account no.> to 5676782 from your registered mobile number to get AxiLogin/ customer ID
  • NRI customers also obtain your customer ID by sending an SMS CUSTID <AccountNumber> to +919717000002
  • Your login ID is same as the Customer ID that is mentioned on -your welcome letter & in the cheque book that is mailed to you post your account opening

What are the things to kept in mind while creating Kotak Netbanking Password?

You should remember below points while setting your passwords:

  • The password cannot consist of all the characters as are in your Username. For e.g.If your Username is "Bob", then your password cannot be "Bobby".
  • Password should mandatorily contain both digits and letters and special characters.
  • Password cannot contain following special characters ( ) [ ] @ , : ; \”
  • Spaces are not allowed in between Password.
  • The Password should contain a minimum of 8 characters and a maximum of 28 characters
  • Your new password cannot be the same as any of your previous 3 password(s)

Kotak Bank Balance Enquiry Number via Missed call

Kotak Bank account holders can give missed call on 1800 274 0110 to Check Account Balance

Customers can check available account balance by giving a missed call at Kotak Bank Account Balance Enquiry Number 1800 274 0110.

  • To avial this facility, customers need to have a registered mobile number with the bank
  • With the help of this missed call service, customer will receive an SMS alert on their registered mobile number along with the available balance

Kotak Bank Balance enquiry via SMS Service

Kotak Bank SMS Service enables the customer to check account balance by just sending SMS from registered mobile number. This is a very simple and quick service and avilable 24x7. To check Kotak Bank Balance Enquiry:

  • Customer just need to send SMS to 5676788 or 9971056767 by typing BAL <Account Number> from their registered mobile number
  • An SMS alert will be received by the customer with available account balance details

How to Block Kotak Bank Credit Card - Ways to Deactivate Kotak Bank Credit Card

If you have lost your Kotak Bank Credit Card or it has been stolen, you can Deactivate or cancel it by calling our Kotak PhoneBanking numbers, blocking it online through Kotak Bank Net Banking or by visiting an Kotak branch.

Blocking Kotak Bank Credit Card Via Kotak Net Banking

  • Step 1 - Login to Online Banking of Kotak Mahindra Bank or Kotak Mobile App using your ID and password
  • Step 2 - Select Help Services
  • Step 3 - Go to “Card Management” and select “Report Lost/Stolen Card”
  • Step 4 - Follow the instructions on the screen
  • Step 5 - On completion, your card will be blocked and a replacement card will be sent to your registered mailing address

Blocking Kotak Bank Credit Card Via Kotak PhoneBanking

This how you can cancel or block your Kotak Credit Card through 24x7 Kotak PhoneBanking

  • Step 1 - Call on this number 18602662666 from your registered mobile number only.
  • Step 2 - Press Option 2 and speak to the Customer Care Executive for blocking the card

Blocking Kotak Bank Credit Card Via visiting Kotak Bank branch

This how you can cancel or block a Kotak Bank Credit Card by visiting a Kotak Bank branch and submitting a form

  • Step 1 - Collect application form from a branch or download it from Kotak Bank website
  • Step 2 - Complete the form and submit at the branch

Kotak Mahindra Bank Internet Banking Services :

Sr. No. Kotak Bank Internet Banking Services Availability Status
1 View Account Details/Balance Yes
2 Edit Personal Profile Details Yes
3 Download Account Statement Yes
4 Stop Cheque Payment Yes
5 Request for a Cheque book Yes
6 View Credit Card Details Yes
7 Redeem eDGE Loyalty points Yes
8 View Demat Account Details Yes
9 View your Portfolio Summary/Snapshot Yes
10 View your Loan A/C Details Yes
11 Mail Facility Yes
12 Register for e-statement Yes
13 Transfer Fund to Own Kotak Bank Account Yes
14 Transfer Fund to Other Kotak Bank Account Yes
15 Transfer Fund to Other Bank Account Yes
16 Transfer Fund to Visa Credit Card Yes
17 Recharge Mobile Yes
18 Request for Demand Draft Yes
19 Create Fixed Deposit Yes
20 Apply for IPO Online Yes
21 Pay Credit Card Bills Yes
22 Pay utility Bills Yes
23 Shop online and pay using Kotak Bank Internet Banking Yes

About Kotak Mahindra Bank

In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group's flagship company, received banking license from the Reserve Bank of India (RBI), becoming the first non-banking finance company in India to convert into a bank - Kotak Mahindra Bank Ltd.

Effective April 1, 2015, ING Vysya Bank Ltd. merged with Kotak Mahindra Bank Ltd.

The Bank has four Strategic Business Units – Consumer Banking, Corporate Banking, Commercial Banking and Treasury, which cater to retail and corporate customers across urban and rural India.

Kotak Mahindra Bank Netbanking FAQs

⭐Q. How do I receive my Kotak Net banking PIN?

Due to security reasons, your Kotak Net Banking PIN will not be shared with you online. It will be sent to you via post.

⭐Q. Is Kotak mobile banking safe?

Yes its Kotak Bank, ensure that its customer gets a good, safe and hassle-free online banking experience. With all the necessary checks of authentication and security in place, you can be rest assured of a secure online banking experience.

⭐Q. How can I unlock my Kotak NetBanking account?

Well if the account is locked due to wrong password attempts, don’t worry! It’s temporary and will be locked for 24 Hrs. after that you can again try or you can get your password reset online itself.

⭐Q. How to Block Kotak Bank Credit Card - Ways to Deactivate Kotak Bank Credit Card?

If you have lost your Kotak Bank Credit Card or it has been stolen, you can Deactivate or cancel it by calling our Kotak PhoneBanking numbers, blocking it online through Kotak Bank Net Banking or by visiting an Kotak bank branch.

⭐Q. Kotak Bank Balance Enquiry Number via Missed call?

Kotak Bank account holders can give missed call on 1800 274 0110 to Check Account Balance

⭐Q. What is the user ID for Kotak NetBanking?

The Customer ID is a unique identification number given to every Customer holding a Savings/ Current Account with Kotak Bank.

⭐Q. What is Kotak IPIN password?

Internet PIN or Internet Personal Identification Number. This is the password via which you can do net banking with your Kotak Bank Account. It is used to view you online account and perform online transaction.

⭐Q. Does Kotak Bank charge any Fee for Internet Banking?

No, Kotak Bank does not charge any fee for availing the services of Internet Banking. However, if Kotak customers transfer funds to the third party using different modes such as NEFT, RTGS or IMPS then the bank of the third party may charge some fees for fund transfer.

⭐Q. How can one avail the Kotak Bank net banking facility?

To avail Kotak Bank Net Banking facilities, user must have an account at Kotak Bank. Also, you need to register for the Internet banking service with the Kotak bank. Bank will provide you with a Pre Printed Kit (PPK) containing username and password. You can also request the bank to send the username through SMS to your registered address. To complete the registration process, Log on to https://www.kotak.com/j1001mp/netapp/MainPage.jsp using the same username and password and follow the procedure as required.