Kotak Net Banking or KMBL Net Banking

The following are the steps to register online for the Kotak Mahindra Net Banking: 

Step 1: Login Kotak Mahindra official portal  

Step 2: Under ‘Need Help’ tab, click on ‘Register for NetBanking’  

Step 3: Fill in the details, such as Username, CRN ID, or Forex card number  

Step 4: Agree to the terms and conditions and enter the captcha, and click on ‘Continue’  

Step 5: To confirm the details on the page, answer two out of four questions  

Step 6: Click on ‘Next’  

Step 7: Select the method of generating the secure password  

Step 8: Enter the Kotak Internet Banking Password  

Step 9: Click on ‘Continue’  

Step 10: Re-enter the new password and click on ‘Submit’ to complete the process  

Option 2 

The following are the various ways to register for Kotak Mahindra Net Banking offline: 

1. Channel Access Request: Download the channel access request form as per applicability: 

1. Individual 
2. Associations, trusts, and HUFs (Hindu Undivided Families)

1. Companies 
2. Sole proprietorships and partnerships 

1. Customer Care: Accountholders can contact the customer care at 1860 266 2666 (24/7) or +91 22 6600 6022 to register for Kotak Mahindra NetBanking services:  
2. Mailing: You can submit the completed paperwork and required documents to the branch or ATM(Automated Teller Machine) or mail it to the following address: 

The Customer Contact Center, 

Kotak Mahindra Bank Ltd., 

Post Box Number 16344, Mumbai - 400 013. 

Features of Kotak Net Banking

Kotak Mahindra Internet Banking offers multiple internet banking features to its customers. Some of them have been mentioned below:

1. 24x7 Banking - You can access Kotak Mahindra net banking at any time and from any location. You can access banking services by providing your username and password. 

1. Transaction Safety - Kotak Mahindra deploys a cutting-edge security system to safeguard the safety of all your online transactions. All transactions pass through a 256-bit SSL encrypted medium, the highest level of security available for online transactions. In addition, firewalls are installed on all of the bank's systems to prevent unauthorised access. 

1. Viewing Account Details - Get access to your online account where you can view all your account related details, check your account balance, cheque status, whether it is for Kotak Savings Account, Current Accounts, Term Deposits, or any other type of account associated with Kotak Mahindra. 

1. Online Fund Transfer - Net banking allows you to transfer funds online securely and rapidly. This service enables you to transfer cash not just between Kotak Mahindra bank accounts, but also between third-party, non-Kotak bank accounts, using NEFT (National Electronic Fund Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service). 

1. Term Deposits - Not only can you book a Term Deposit Online, but also make premature withdrawal on the same using NetBanking. 

1. Life Insurance - Through net banking, you can easily view the status of your Kotak Life insurance policy, pay your policy premium online, apply for a new life insurance policy, or even switch funds. 

1. Bill Payment - Payment of bills will be a snap with online banking, which allows you to pay a variety of bills such as utility bills, mobile / DTH connection bills, credit card payments, and many more using the Kotak Mahindra Kotak BillPay facility. 

1. Service Requests - You no longer need to go to the bank to file a service request; it can be done online with a few clicks. Net Banking now allows you to request a new chequebook, obtain your Debit Card PIN, register for Payment Gateway, and make a variety of additional service and transaction requests. 

1. Secure Online shopping - Experience the convenience of shopping online in a secure manner with Kotak Mahindra Netcard which allows you to purchase from over 8,000 websites online. 

1. Investments - With Kotak Mahindra Net Banking, you can view your mutual fund portfolio online and invest and redeem fund holdings online via the online banking website. 

1. Apply for IPO - You can now apply for IPO/FPO/Rights Issue from the comfort of your workplace or house with the ASBA facility, which eliminates any paperwork. 

1. Transaction Limit: The per day transaction limit of Kotak Mahindra Internet Banking is Rs.50,000. 

How to Login to Kotak Net Banking?

The procedure to login to Kotak Mahindra Bank's Internet Banking is extremely simple. The steps have been mentioned below:

If you are using CRN for logging in: 

Step 1: Enter your CRN. 

Step 2: Enter your Net Banking password 

Step 3: Choose where you want to land. To do that, select an option from the dropdown menu. 

Step 4: Click on 'Secure Login'. 

If you are using your Nick Name for logging in: 

Step 1: Enter your nick name. 

Step 2: Enter your Net Banking password. 

Step 3: Choose where you want to land on the website. 

Step 4: Click on 'Secure Login'. 

How to Login Using Your Forex Card?

Step 1: Enter your Forex Card number. 

Step 2: Enter your Net Banking password. 

Step 3: Select from the dropdown menu where you want to land on the website. 

Step 4: Click on 'Secure Login'. 

Note:

1. To protect the security of your data, Kotak Mahindra Bank provides a virtual keyboard for entering credentials. 
2. In case you have forgotten your nick name, you can click on 'What Is My Nick Name' option located right below the box.
3. If you have forgotten your password, click 'Forgot/Blocked Password?' to create a new password. 
4. In case you cannot remember your CRN, click on 'What is my CRN/CIF/Customer ID?' located below the box.
5. In case you are a new user, you will be required to register yourself first before availing the services.

How to Check Account Balance in Kotak Net Banking?

The procedure to check your account balance via Mobile Banking and Net Banking is extremely simple. The steps for both have been mentioned below:

Step 1: Log in to 'Net Banking' 

Step 2: Choose 'Banking' 

Step 3: Select 'Account Overview' to view your account balance 

Check Balance through KMBL Mobile Banking 

Step 1: Log in to 'Mobile Banking' 

Step 2: Proceed to 'Banking' 

Step 3: Click on 'Account Activity' to check account balance 

What is the Limit on Fund Transfers Through Kotak Mahindra Bank Net Banking? 

The following are the limits of fund transfer through Kotak Mahindra Bank Net Banking via IMPS, RTGS, and NEFT services: 

How to Transfer Money Through Kotak Internet Banking?

You can transfer money into a different account easily and in a secure manner. Follow the below-mentioned steps:

Steps to Add Beneficiary:

1. On the Net Banking page, select 'Transfers and Payments'.
2. Select the option 'Add/Manage Beneficiaries' and add the details of the beneficiary who you want to transfer funds to.
3. Select the option 'Add Transfer Type' and click on IMPS.
4. Choose the type of IMPS transfer and put in the required details.
5. Verify the information that you have entered and hit the 'Confirm' button.
6. An activation code will appear on your registered contact number.
7. Enter the activation code and your beneficiary will be activated for fund transfer.

Steps to Transfer Money Through IMPS Using Account Number:

1. On the Net Banking page, select the option 'Make a Transfer'.
2. Click on Immediate Payment Services (IMPS) and select the 'IFSC' option.
3. Enter the required details and select the 'Submit Transaction' option.
4. Cross-check the transaction details and select 'Confirm and Transfer'.

How to Pay Kotak Credit Card Bill Through Kotak Net Banking?

In order to make credit card payment, you will first be required to register for Kotak Mahindra's Net Banking facility. Thereafter, you can transfer the bill amount from your Savings Account to the Credit Card Account. Follow the below-mentioned steps:

Step 1: Log in to Kotak Net Banking. 

Step 2: Choose 'Credit Card' on the Homepage. 

Step 3: Choose the option 'Payments'. 

Step 4: Select the 'Make Payment' option to complete the payment process. 

How to Generate Customer ID in Kotak Net Banking?

If you are a Kotak customer, a CRN will be the number located under your name on your Credit/Debit card. 

For retail net banking: 

Step 1: To know your CRN, enter your current customer ID 

Step 2: Enter the verification code 

Step 3: Click on 'Submit' 

For business banking: 

Step 1: Enter your corporate ID 

Step 2: Enter your user ID 

Step 3: Enter the verification code 

Step 4: Click on 'Submit' 

How to Reset Kotak Net Banking Password?

In case you need to generate a new password for your internet banking profile, you have to follow the below-mentioned steps:

1. Enter your Customer ID, Nick Name, or Forex Card Number.
2. Enter the text that is displayed in the box.
3. Select the box for 'I have read and accept and Terms & Conditions'.
4. Next, you will be required to verify your information/details such as date of birth, mother's maiden name, registered email ID, and contact number. Choose any of the two questions and provide accurate answers.
5. Click on 'Continue' to proceed further.
6. Thereafter, you will be required to choose a method to generate new password.
7. The options that you have to choose from are:
   1. Debit card/virtual debit card details
   2. Credit card details
   3. Secret questions
   4. Physical PIN

1. Select a method and click on 'Continue'.
2. In the last step, you will be required to enter a password of 6 characters and re-enter the same.
3. Select 'Continue' to proceed further.
4. Your new password has been generated. You can use this to log in to the Net Banking facility henceforth.

Steps to Make Kotak Bank Credit Card Payment Online via Other Bank Account

The following are the steps to make online payment of Kotak Bank Credit Card through other bank account: 

Step 1: Enter the Kotak Bank Credit Card details  

Step 2: Enter the credit card bill amount  

Step 3: Select the bank from where you wish to make payment  

Step 4: Click on ‘Pay’  

Step 5: The link redirects to the net banking interface as selected by you  

Step 6: Confirm the payment  

Step 7: Enter the username and password to complete authentication details  

Step 8: Verify the credit card amount  

Step 9: Confirming the payment will make online debit from the account  

Step 10: Reference number will be provided on confirming the transaction  

An email acknowledgement will be sent to the registered email address on completing the transaction successfully.  

How to Open an Online Kotak Mahindra Bank Savings Account? 

The following are the steps to open a savings bank account online in Kotak Mahindra bank: 

Step 1: Visit the official portal of Kotak Mahindra Bank  

Step 2: On the home page, click on the link ‘Open Savings Account’ under the ‘Savings Account’  

Step 3: Enter the required details, such as mobile number, email ID, and Pincode  

Step 4: Click on ‘Open Now’ to apply for opening the savings account  

Step 5: Tracking ID will be sent to the email ID as provided by you  

Step 6: You can track the status of application through this tracking ID  

Step 7: New account is opened after successful verification by the branch  

How is Your Data Secured in Kotak Net Banking?

The following are the ways through which Kota Mahindra Net Banking services secures the sensitive data of the customer:  

Step 1: Kotak's online banking service uses firewalls to prevent third party access  

Step 2: Encrypts transactions with SSL, 256 bits to secure all your online transactions  

Step 3: Dynamic access code must be entered that adds an extra layer of security  

Step 4: Auto-generated dynamic access code will be sent by the bank to the registered email address and mobile number  

Step 5: To prevent keylogging, Kotak Bank implements virtual keypad  

Step 6: You can contact customer care service to block accounts  

Step 7: Unlock account by creating new password via online mode, customer care, or by visiting branch  

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.