Kotak SMS Banking
After entering the banking industry in 2003, Kotak Mahindra Bank has continuously improved how it provides financial services to its clients. The SMS Banking service is one of the company's most recent convenient offerings.
Customers who have previously registered their cell numbers with the bank just need to send an SMS to the bank number to get important information like the current amount, the monthly statement, the status of their checks, etc. The service is always accessible.
Features of the Kotak SMS Banking:
- Just with a single message, a customer can access details of his/her savings account or current account, credit card details, loan dues, etc.
- The service is available on all Android phones.
- The service is secure as only if the customer has registered his/her mobile number with the bank can this be possible. That said, only basic transactions can take place.
- No PIN or password is required.
- SMS charges are applicable. No internet service required.
- Through SMS Banking, a customer can link his/her Aadhaar card to his/her bank account.
- Customers can apply for savings schemes such as the Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) through this SMS Banking option.
- One can make a transfer upto Rs.2,500 without even having to register the beneficiary.
- The SMS Banking option comes in a number of languages - English, Hindi, Gujarati, Kannada and Tamil.
- Customers can download the Kotak Bharat Banking app from Google play store to avail this facility.
How the SMS Banking works?
- The customer will have to first have his/her mobile number registered with the bank.
- No log in or PIN required.
- Once on the app, the customer will have to send an SMS with the keyword. The app will then send a message to Kotak Mahindra Bank and fetch the required details.
- Standard SMS charges are applicable.
Other Ways to Check Kotak Balance Check:
The various other ways in which one can check their Kotak balance check are mentioned below -
1. Internet Banking - Kotak Mahindra Bank account holders get access to internet banking services to take advantage of digital transactions. Customers must use the credentials issued by the bank to log into the Kotak Mahindra Bank Net Banking platform. Customers can simply check their account balances, submit service requests, send money online, and apply for credit cards and other banking-related services through internet banking.
2. Kotak Mahindra Bank ATM - Account holders can check their account balance at the Kotak Mahindra Bank ATM that is closest to them. Customers must have a valid debit card and four-digit PIN for this. At an ATM, the available balance is immediately shown on the screen.
3. Kotak Mahindra Bank Passbook - The passbook serves as a physical document that contains both a detailed description of transactions and the current balance of your accounts. Passbook is available right away when opening a bank account.
4. SMS Banking - Account holders must SMS 9971056767 or 5676788 from their registered mobile number. Owners of Kotak Bank accounts must type "BAL" and send it to the specified number to inquire about their balance. Additionally, Kotak Balance Check will be subject to regular SMS fees.
5. Mobile Banking - Customers are assisted by mobile banking services in order to do financial transactions using their mobile devices. Customers can transfer funds, apply for loans, and apply for credit using some of the apps that the bank has made available to them in this respect. Check your Kotak balance and others. Here are a few of the apps that are offered -
- BHIM Kotakpay - Customers can effortlessly send and receive money with this app using secure transactions. Account holders must download and install the app in addition to performing a one-time UPI ID account connecting process. Customers can access options like Kotak Balance Enquiry, Fund Transfer, Shopping, Cab trips, and others after downloading the app.
- Kotak 811 - The Kotak Bank app has a number of advantages for people who have savings bank accounts. Customers' Android and iOS smartphones must have this software downloaded and installed. This app is easy to use and offers clients mobile banking.
- Kotak Bharat Banking - This bank-provided software has a wide range of functionality. After the app is downloaded and activated, users must send an SMS from their registered mobile number to 9971056767. You may do 36 different operations, including fund transfers, mobile/DTH recharges, and checking your Kotak Bank balance.
GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.
FAQs on Kotak SMS Banking
- What all can I do with the Kotak Bharat Banking App?
You can do a number of things on the Kotak Bharat Banking App. Some of them are:
- View Account Balance
- Request for Cheque Book
- Block Debit card
- Request last 3 transactions
- Fund Transfer
- View credit card Application Status
- View credit limit
- Recharge prepaid mobile or any DTH service
- Check Loan Account Balance
- Apply for a loan
- Insurance renewal
- Check loan details
- Link your Aadhaar card with your bank account
- Apply for insurance - Life, health, accident, etc.
- Find closest ATM or bank branch
- Select language of your choice
- Is there a separate registration for this app? Who all can use this?
No, there is no separate registration for the Kotak Bharat App. All Kotak Mahindra Bank customers that have a savings account, current account or demat account can download and use the app.
- What kind of mobile (handset) is required to use this app? Would I require Apple i7 for this?
No, there is not a separate Kotak Bharat App registration process. The app is available for download and use by all Kotak Mahindra Bank clients who have a savings account, current account, or demat account.
- I want to transfer money to a friend but cannot find the 'add beneficiary' option. What do I do?
For SMS banking on the Kotak Bharat app, you do not need to add a beneficiary to transfer funds. Only Rs.2,500 can be transferred per day.
- Will I get a notification for any transaction made using SMS banking?
Yes, whether the transaction has failed or has been successful you'll be notified via SMS.
- Will the online establishment of a zero balance Kotak Mahindra Bank account involve the video KYC process?
Yes, when opening an online account with Kotak Mahindra Bank, the applicant must complete a video KYC process.
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