This is a highly secured environment to conduct your transactions. This means that the communications between the client and the (host) Web server are encrypted.

Secure Hyper Text Transfer Protocol (HTTPS) uses HTTP, but, additionally activates Web server security, in the form of Secure Sockets Layer (SSL). Our mobile banking platform uses secure HTTPS protocol for communication between the mobile client and the mobile server. Without this code you cannot activate the app on your device. Also when you download the app and register it on your device, you will receive an activation code on your registered mobile number. Kotak Mobile Banking App requires a login password (MPIN) for performing any transaction. Two-factor authentication is a security mechanism that requires two types of credentials for authentication and is designed to provide an additional layer of validation, minimizing security breaches. Kotak Mobile Banking App uses two factor authentications. This ensures all your transactions are encrypted and completely secure. Kotak Mobile Banking platform uses the secured HTTPS protocol for communication between the mobile client and the mobile server. Change the account linked to your Kotak UPI ID (VPA).Create a new UPI ID (VPA) for UPI transactions.Send and receive money without entering bank information using UPI.

Schedule fund transfer post cut off time.

IMPS fund transfer using mobile No / MMID (P2P).

IMPS fund transfer using account No / IFSC (P2A).

Customer can send money back to payee using the ‘Pay’ functionality.

Repeat past debit transactions by using 'Repeat' feature.

Transfer funds without registering beneficiary, through One Time transfer.

Edit transaction limits for beneficairy.

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