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  • Kotak Net Banking

     4.0 / 5.0   by 25 users
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    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Savings Account
    • Instant money transfer
    • 24x7 ATM withdrawals
    • Attractive rate of interest

    About Kotak Mahindra Net Banking

    Internet banking has brought about a revolution in the way we bank. Earlier, individuals would be required to visit the bank branch personally if they wanted to carry out any transaction like fund transfer, open an account, etc. With the emergence of online banking, we have access to our bank branches, along with the facilities they offer, from the very comfort of our house or workplace. Kotak Mahindra has introduced its very own online Net Banking platform which will enable customers to save valuable time which would otherwise be wasted standing in queues at the bank branch. Offering unparalleled convenience, choice and flexibility, internet banking is like a one-stop solution for all your banking needs. Not only can you control and monitor your bank account, but also transact using your online bank account. One of the most important aspects of online banking is that it is available for use 24 hours a day, 7 days a week. With the help of internet banking, you can carry out a variety of banking related transactions like view your account details and obtain your account e-statement, monitoring investments and Demat accounts, transfer funds online not only between other Kotak /bank branches but also between non-Kotak Bank branches, request for a new cheque book, open an account, request for a credit/Kotak Mahindra debit card, pay utility bills online, carry out secure online shopping transactions, recharge your mobile phone / DTH connection, buy and redeem investments online and access several other services.

    Features Of Kotak NetBanking

    • 24x7 Banking – Kotak Mahindra net banking is available for you 24 hours a day, 7 days a week, anytime, anywhere. All you need is a steady internet connection, a pc/laptop with a browser, along with your User ID and password. Also, you can access `net banking on your mobile via the mobile banking app.
    • Transaction Safety – Kotak Mahindra employs a highly advanced security system which ensures the safety of all your online transactions. All transactions go through a 256-bit SSL encrypted medium which is the most advanced level of security available for online transactions. To add to this, all the bank’s servers also feature firewalls to prevent unauthorized access.
    • Viewing Account Details – Get access to your online account where you can view all your account related details, check your account balances, cheque status, whether it is for Kotak Savings Account, Current Accounts, Term Deposits or any other type of account associated with Kotak Mahindra.
    • Online Fund Transfer – With the help of net banking, you can now transfer funds online securely and quickly. This service allows you to transfer funds not only between other Kotak Mahindra bank accounts but also between other third party, non-Kotak bank accounts via NEFT, RTGS or IMPS.
    • Term Deposits – Not only can you book a Term Deposit Online, but also make premature withdrawal on the same using NetBanking.
    • Life Insurance – Via 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.
    • Bill Payment – Payment of bills will become a breeze with online banking which allows you to pay a number of bills like utility bills, mobile / DTH connection bills, credit card bill and many more using Kotak Mahindra Kotak BillPay facility.
    • Service Requests – You no longer need to go to the bank to place a service request as the same can not be done online with just a few clicks. You can now place requests for a new cheque book, getting your Debit Card PIN, register for Payment Gateway, and a variety of other service / transaction related requests via NetBanking.
    • Secure Online shopping – Experience the convenience of shopping online in a secure manner with Kotak Mahindra Netc@rd which allows you to purchase from over 8000 websites online.
    • Investments – With Kotak Mahindra NetBanking, you can now view your mutual fund portfolio online and also invest and redeem fund holdings online via the online banking website.
    • 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.

    How Do You Register For Kotak Mahindra Bank Internet Banking?

    Registering for Kotak Mahindra NetBanking is a simple process which allows you to take control of your Kotak Mahindra account, no matter where you may be. Registering for the service is easy and can be done online. Following are the two options you have to register for NetBanking:

    • Option 1 - You can register for online banking by calling up the Kotak Mahindra Customer Care Centre. Your request will be registered and processed by the customer care executive who will then guide you through the process.
    • Option 2 - Alternately, you may also register for online banking by submitting physical form called the Channel Access Request form which can be downloaded from the Kotak Mahindra website. Once you have downloaded and printed out the form, please fill it in completely and submit the same by putting it in the drop box placed at any Kotak Mahindra branch or ATM. The filled in form an also be sent via mail to the following address:

    Customer Contact Centre,

    Kotak Mahindra Bank Ltd.,

    Post Box Number 16344,

    Mumbai 400 013

    Services Offered Under Kotak Mahindra Net Banking

    Kotak Mahindra NetBanking has changed the way you bank by making available a host of services which can be accessed any time and anywhere. This service allows you perform a variety of banking related transactions and activities which include a few like monitoring your account activity, making online fund transfers, place service requests, shop from e-commerce websites, view your Demat Account details, in addition to several other activities.

    Banking Accounts

    • Customers can view their Savings or Current Account details an also keep track of their online transaction activity. They an view their transactions history and download e-statements of their account. Additionally, customers can also make a Lien enquiry, make cashless deposits, view cheque status, stop cheque, and make a Temporary Overdraft Inquiry.
    • Customers can book Term Deposit Accounts online, do a premature withdrawals, view deposit details, request for a change in maturity instructions online, simulate Term Deposit pre-closure, etc.
    • Online fund transfers can be made securely not only between other Kotak Mahindra accounts but also between other non-Kotak Bank accounts. Fund transfers can be done via a variety of mediums like via NEFT, RTGS or IMPS. Customers can also transfer funds via Demand Drafts or email by using the beneficiary’s registered email ID or mobile number.
    • You can add and manage beneficiaries via online banking. You can set a transfer type for each beneficiary and also change the Beneficiary Limits.

    Service Requests

    • Savings & Current Account – Place requests for a new cheque book, Stop Cheque, account statement, Balance Certificate, Interest Certificate, etc.
    • Term Deposit – Via online banking, you may place requests to open a new Term Deposit, for a premature withdrawal of your Deposit, link a Term Deposit to a Current or Saving account, changing maturity instructions for a Term Deposit or to obtain your Term Deposit account statement.
    • Home Banking – Kotak Mahindra also offers a number of home banking services like Cash Pick-up request, Cheque Pick Up request, Demand Draft Delivery Request, Cash Delivery Request, etc., which can be requested for online.
    • Debit / Prepaid Card Related Requests – Online banking enables you to request for a new debit card, report the loss of a debit card, get your debit card activated to use it at retail establishments, request for a new debit card PIN, de-link an bank account from a debit card, change the primary account linked to your debit card, block or unblock a debit card or buy a Best Compliments Card (prepaid card).
    • Payment Gateway Related Request – Register for Payment Gateway, Modify Payment Gateway Registration, Client ID Registration for Online Trading.

    Demat Account

    • View your Demat Account details – activity, billing details, inquire about transaction status, holding details, Demat status of securities, request for an account statement, view shareholding details, request for Client Master Details or Pledge forms etc.
    • Trade online by opening a Kotak Securities Ltd. trading account.

    Investment

    • View the details of your investment portfolio – account details, transactions details, percentage gain/loss, current NAV, IRR, get details of investments classified by Fund Name or Asset Class
    • View, purchase and redeem mutual fund shares online.
    • Request for Standing Instructions for auto debit into for investment in your selected fund.
    • Check the status of Buy / Sell requests and get investment advice and industry updates on a regular basis.

    Kotak Netc@rd

    Netc@rd is a single use, prepaid card with which you can securely shop online at websites which accept payment via VISA cards.

    Kotak BillPay

    Pay bills quickly and conveniently via Kotak BillPay, a service which allows you to manage your bill payments. Pay utility bills (electricity, telephone, etc.), recharge your mobile / DTH connection, pay insurance premium, pay for magazine subscriptions, make donations online or even pay your taxes.

    Receive Funds

    You can also receive funds from a non-Kotak bank account to your Kotak Mahindra account via the ECS service provided by the RBI, free of charge.

    ASBA (Application Supported Blocked Amount)

    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.

    Account Statement

    Via NetBanking, you can download and view your account statements, including your Annual Combined Statement, for previous month / year by clicking on the ‘statement’ tab. You can also choose the delivery option by which you want to receive your account statement.

    Fees And Charges For Services

    Kotak Mahindra currently offers the facility of NetBanking absolutely free of charge. However, charges will be applicable for services which are offered via net banking like fund transfers, etc.

    Kotak Mahindra NetBanking FAQs

    1. Who is eligible to register for Net Banking?

      All customers who hold a Savings or current account with Kotak Mahindra can register for NetBanking and will be provided with View and Transactional access on Net Banking.

    2. Is banking via NetBanking secure?

      Kotak Mahindra employs a highly advanced security system which ensures the safety of all your online transactions. All transactions go through a 256-bit SSL encrypted medium which is the most advanced level of security available for online transactions. To add to this, all the bank’s servers also feature firewalls to prevent unauthorized access.

    3. Can I regenerate my NetBanking password?

      Yes, you can easily regenerate your NetBanking password via the ‘Generate Password' option available under NetBanking. For this you must go to the login page of Kotak NetBanking or you may also request for a password re-generation by calling up the Kotak Mahindra 24-hour Contact Centre. The customer care executives will assist you with your request. In case your online password re-generation service is blocked, you must call the customer care center or visit the nearest bank branch.

    4. What is DNC? How can I Register for this service?

      All customers who do not wish to receive or be contacted by bank representatives regarding various marketing activities done via multiple channels (phone, email, SMS, etc.) can easily opt out for the same by registering for the DNC service. The bank has made available the DNC option for customers who wish to opt out of marketing related activities carried out by the bank. Customers can register for the DNC service (de-register themselves from receiving marketing calls, emails or alerts) by following these steps:

      1. You can put in a request for DNC at any Kotak Mahindra bank branch by submitting a fax or a letter.
      2. You can contact the Kotak Mahindra 24-hour Customer Contact Centre via phone, email, fax or send them a letter stating your request.
      3. You can send a DNC request via NetBanking. Log into NetBanking and go to the 'Requests' section or send it via mail by clicking on the 'Mail' section.
    5. Are there any charges levied for usage of the Kotak NetBanking Service?

      No, currently there are no charges applicable for using the Kotak Mahindra NetBanking facility.

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

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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  • Page 1 of 2 1 2
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      "Good Bank"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
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      , bangalore
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    • Kotak Debit Card
      "Decent Credit Card"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have a Salary account with them and the bank has offered a complimentary Credit card on the basis of this account. They have given me a Credit Limit of Rs.2.5 Lakhs, which I felt is quite a good one to have. One thing which let me down over here is their high interest rate. Also an added advantage is, they have good reward points system available with them.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2018
    • Kotak Debit Card
      "Good"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I am using domestic debit card of Kotak Mahindra Bank. The daily withdrawal limit was 25,000 rupees which was satisfactory. I am using this debit card for the last six months. There is no charge for other ATM swipe. ATM facilities are good and enough.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Jan 04, 2018
    • Kotak Debit Card
      "Good service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      Within 4days of time I got the car loan from Kotak Mahindra bank. The customer support is good with Kotak mahindra bank. The rate of interest which they have offered was low, when compared with other banks. The required loan amount has been disbursed and I am happy with it.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2017
    • Kotak Debit Card
      "Kotak Mahindra Bank Fraud Services"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Kotak Mahindra Bank has **fraud banking services**. Rs. 800+ charge for other ATM Withdraws. 10000+ Charge for not maintaining minimum balance. 1000+ for delayed credit card payments. One Purchase = Service Tax+Conversion Charge+Interest Charge+Actual MRPâ?¦. **Close all your accounts** of Kotak Mahindra Bankâ?¦
      Was this review helpful? 19
      , bangalore
      Reviewed on Apr 06, 2017
    • Kotak Debit Card
      "GOOD BANK BEST SERVICES GOOD JOB NICEBANK GOODRELATIONSHIP "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      SUPPORTING WITH A MINIMUM WORKING TIME BANK QUICK DESISION WONDERFUL JOB GOOD PROVIDED BY OTHER BANKS LIKE ICICI, HDFC , IDBI , AXIS AND MORE NATIONALIZED BANKS FUTURE GOOD BANK MANAGMENT GOOD ALSO SUPPORT AND THANKS TO ALL THEY ARE HELPING PEOPLE THANK YOU AGAIN..
      Was this review helpful? 10
      , vadodara
      Reviewed on Mar 26, 2017
    • Kotak Debit Card
      "Share a experience with Kotak Mahindra Bank on line service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I like Kotak Mahindra Bank because this bank replied fast comparing with another bank.The process was comleted process on line with in a five minute.its pleasant experience when compared with other bank services I like Kotak than another private sector banks.
      Was this review helpful? 15
      , ahmedabad
      Reviewed on Mar 25, 2017
    • Kotak Debit Card
      "zero use for kotak rupay debit card"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      i applied for a kotak mahindra rupay debit card after surrendering my existing visa debit card. firstly for some strange reason kotak doesnt allow rupay debit card as a addon card to my existing visa card. hence they automatically blocked my visa debit card on applying for rupay card. next i tried using the kotak rupay debit card on various POS terminals and online transactions. but it was declined everytime. later i got to know that they mention that it cant be used online. but there is no mention of non usage at POS too. after i tried it at around 20-30 machines i wrote them an email. to which they replied that there rupay card is not enabled for POS yet. and its not happening anytime soon. WHILE OTHER BANKS' RUPAY CARD WORKS EASILY ONLINE AS WELL AS AT POS, KOTAK CHOSES NOT TO ENABLE THESE. this card is only usefull for taking out cash from atm and that too only 10000. i was left bitterly dissapointed and have finally blocked it for reissue of visa debit card.
      Was this review helpful? 16
      , new delhi
      Reviewed on Mar 09, 2017
    • Kotak Debit Card
      "Very Poor service - Dont go for it - i am frustrated ."
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Deducted money, I tried to communicate with them, but I didnt get any response. having many features of KOTAK bank is not good when it comes to customer service. Do not open your account in Kotak bank they will not give you service. I am frustrated with Kotak bank. Very bad feelings.
      Was this review helpful? 27
      , pune
      Reviewed on Dec 15, 2016
    • Kotak Debit Card
      "Make False Offer"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      I'm a Kotak Platina Salary account holder which comes with a Kotak Platinum Debit Card. The Platinum Card holders has no withdrawal limit from Kotak and Non-Kotak ATM in india. Everything was going fine for last 1.5 year. I have been happily withdrawing cash around 10-15 times a month from Non-Kotak ATM. Suddenly they charged me with some CW Fee. Querying on that, I get to know that they downgraded my account upto five ATM transaction/Month. The reason of downgrading my account is many number of withdrawal of 300-400 INR. But still they are showing in the charges page the same unlimited Kotak and non-Kotak transaction. The link of the charges page is : http://www.kotak.com/service-charges.html
      Was this review helpful? 16
      , bangalore
      Reviewed on Dec 10, 2016
    • Kotak Debit Card
      "Good overall"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I am happy with the services and response I received from Kotak Mahindra Bank for the debit card application. They contacted me and informed me all the details and the procedure as well. Since I went ahead with another bank, I cancelled my application with them. I do not wish to comment on the charges.
      Was this review helpful? 7
      , mumbai
      Reviewed on Dec 05, 2016
    • Kotak Debit Card
      "KOTAK MAHINDRA CLASSIC DEBIT CARD"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I never new applying for KOTAK MAHINDRA CLASSIC DEBIT CARD will be so easy. Awaiting to open an account with KOTAK MAHINDRA & get the best previlages offered better than other banks. KOTAK BANK is doing well compared to other banks with Customer service. I have heard of the bank quite some time & eagerly waiting to have an account with KOTAK MAHINDRA.
      Was this review helpful? 8
      , bangalore
      Reviewed on Nov 30, 2016
    • Kotak Debit Card
      "Very use ful site, Its very easy-to-use site Bank Bazaar i l"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      Very easy applying Very use ful site, Its very easy-to-use site Bank Bazaar i like it. Bank bazar is giving me too awesome offers and I would like to use all offers. I will tell about this to my relatives and my families and also my friends and I hope bank bazaar is giving us more offers in future. So, thanking you for this great offers..
      Was this review helpful? 11
      , indore
      Reviewed on Oct 26, 2016
    • Kotak Debit Card
      "Application for debit card"
      KOTAK MAHINDRA BANK
      0.5 4.5/5 "Excellent!"
      Excellent experience on line debit card application filling application. I am not experiencing any google service it is excellent so we can purchase all in one place with our debit card so I am very much assured to open account in any bank in our computer & use any places in india so my request to all dont miss this opportunity.
      Was this review helpful? 8
      , chennai
      Reviewed on Oct 12, 2016
    • Kotak Debit Card
      "Good service "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      They are require a minimum balance of 10000Rs in the account.The service provided was good with Kotak Mahindra based on the saving account maintenance.They have responded on time for the application.They have taken around 5days to respond for the application
      Was this review helpful? 61
      , nagpur
      Reviewed on Jan 28, 2016
    • Kotak Debit Card
      "Wonderful service "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have opened and commercial account with Axis Bank so I was not requiring this saving account with Kotak Mahindra.The service provided by Kotak Mahindra was very good in account maintenance.They have provided wonderful service to the customer and the rates applied was around 9%.
      Was this review helpful? 18
      , pune
      Reviewed on Jan 14, 2016
    • Kotak Debit Card
      "Good bank"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I had my address proof which was not belonging to my personal address .The customer service provided was all good with Kotak Mahindra.They have to improve on the terms and conditions applied by Kotak.They have to works on the proofs required because all customer will not have the required proofs.
      Was this review helpful? 15
      , new delhi
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Need immediate response!"
      KOTAK MAHINDRA BANK
      0.5 2.0/5 "Expected more"
      Once I applied for a debit card with Kotak Mahindra bank, there was a delay in the response from the executives. But after 6 days they made a call to me and I am not able to respond to them properly. And as the online executive told me there are good offers on the debit card, I opted to take the debit card with them.
      Was this review helpful? 12
      , mumbai
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good debit card feature"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      The response was good from kotak mahindra when i applied for the debit card and they gave all the details about the product. The debit card feature are good compare to other banks. I was not available in the station so the application was closed.
      Was this review helpful? 5
      , chandigarh
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have postponed the process of getting the debit card with the Kotak Mahindra Bank. Services and the follow up were good with them and I requested the executives to call back me after pongal. Response is immediate with them.
      Was this review helpful? 5
      , vijayawada
      Reviewed on Jan 13, 2016
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