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Kotak/KMBL Net banking – How to Register?

Updated on :  

08 min read.

Kotak Mahindra Bank received the banking license from the Reserve Bank of India (RBI) in 2003. The firm was the first non-banking finance company to get transformed into a bank. In 2015, ING Vysya Bank merged with Kotak Mahindra Bank. The bank handles consumer banking, corporate banking, commercial banking, and treasury. Here is how you can register and make transactions on the Kotak Net Banking portal.

Ownership TypePrivate
ChairmanPrakash Apte
Customer Service1860 266 2666
FoundedFebruary 2003

How to Register for Kotak Net Banking?

The bank offers two ways for individual customers to register for Kotak Net Banking services.

Method 1:

Step 1: Download the Channel Access Request Form from the bank’s website and fill it up with relevant details.

Step 2: Drop the duly filled form in the drop box placed at the branch or ATM.

Step 3: You can also mail the duly filled form to the address: Customer Contact Centre, Kotak Mahindra Bank Ltd., Post Box Number 16344, Mumbai 400 013

Method 2:

Call up the customer care centre at 1860 266 2666 (round-the-clock) or +91 22 6600 6022 to request for netbanking registration.

How to Generate Customer ID?

Kotak customers can find their CRN on your credit/debit card, specified below your name. ING Vysya customers can only find their customer ID below your name on debit cards. To generate the CRN, you can follow the below steps: Step 1: Visit the official Kotak netbanking website at https://www.kotak.com/j1001mp/netapp/MainPage.jsp.

KMB Customer ID Generation 1

Step 2: Click on ‘What is my CRN/CIF/Customer ID?’ option below the CRN field. Step 3: Enter the customer ID in the field and the verification code before clicking the ‘Submit’ button.

KMB Customer ID Generation

Step 4: You will receive the CRN for the entered customer ID.

How to Login on the Kotak Netbanking Portal?

Method 1: Step 1: Visit the official Kotak Net Banking login page at https://www.kotak.com/j1001mp/netapp/BANKAWAYConverge.jsp.

KMB Login 1

Step 2: Enter your CRN and password. Step 3: Specify which page you would like to visit by selecting an option in the dropdown menu under the ‘Take me Directly to’ label. Step 4: Click on the ‘Secure Login’ button. Method 2: Step 1: In the login page, click on the ’User Name’ tab.

KMB Login Method 2

Step 2: Enter your username as registered with the bank and the corresponding password. Step 3: Select the page you would like to land on. Step 4: Click on the ‘Secure Login’ button to log in. Method 3: Step 1: Enter your forex card number, password, and the page you would like to be redirected to.

KMB Login Method 3

Step 2: Click on the ‘Secure Login’ button to access your online account.

What Services are Available with Kotak Netbanking?

Kotak Net Banking offers several services as given below:

  • Check account details and recent transactions.
  • Make a lien inquiry to view the funds on hold and related summary.
  • Stop payment of a cheque whose status is ‘Pending’.
  • View/modify nominee details related to your account.
  • Open and withdraw a fixed deposit /recurring deposit account.
  • Make fund transfer to self, beneficiaries within the bank, and beneficiaries outside the bank.
  • Schedule a payment for a future date.
  • Schedule recurring payments at regular intervals of time.
  • Add/manage beneficiaries online.
  • Open a Demat account, check the status, and transact with securities.

How to Check the Account Balance Online?

Step 1: Log in to the official Kotak Net banking account. Step 2: Choose the ‘Banking’ option on the dashboard. Step 3: Select the ‘Account Overview’ option to view your account balance.

How to Transfer Funds with Kotak Netbanking?

Step 1: Log in to your Kotak Net Banking account. Step 2: Select the ‘Make a Transfer’ option. Step 3: Select a transfer type from the dropdown menu. Step 4: Select the beneficiary account and fill up details such as the amount to transfer and remarks; and set the transfer time. Step 5: Click the ‘Confirm’ button. Step 6: All the details related to the transaction will be displayed for verification. Step 7: Once you verify the details, click the ‘Submit’ button to initiate the transfer.

Transaction Limits

Transfer Type

Daily Transaction Limit

Transaction Limit per Beneficiary


Rs.10 lakh

Rs.5 lakh


Rs.2 lakh

Rs.2 lakh


Rs.10 lakh

Rs.5 lakh

One-Time Fund Transfers (UPI, Scan & Pay)



Transfer within Kotak Bank

Rs.10 lakh

Rs.5 lakh

Daily Total Transaction Limit through Kotak Net Banking

Rs.15.5 lakh

Daily Total Transaction Limit through Mobile Banking

Rs.10.5 lakh

Consolidated Limit

Rs.15.5 lakh

How to Reset Password on Kotak Net Banking Portal?

Step 1: In the login page, click on the ‘Forgot/Blocked Password?’ link below the Net Banking Password field.

KMB Reset 1

Step 2: Now, enter the username, CRN, or forex card number. Step 3: You will be prompted to answer two mandatory questions. Step 4: Select a method for additional verification from the options such as debit card, security questions, and credit card. Step 5: After the additional verification via the chosen method, enter a 6-character password of your choice. Step 6: The other 6-characters of your password will be sent to your registered email address and contact number. Step 7: If you are looking to unlock password, the existing password will be unlocked instantly. Step 8: Log in to the Kotak Net Banking portal with the 6-character password you chose followed by the 6-character password as sent by the bank. Step 9: Additionally, you can request a physical PIN by answering account-related questions or generating an OTP.

How to Pay Credit Card Bill Online?

Step 1: Log in to the Kotak Net Banking account. Step 2: Click on the ‘Credit Card’ option on the homepage. Step 3: Click on the ‘Make Payment’ option under the ‘Payments’ section.

Frequently Asked Questions

How long does it take to transfer funds after adding a beneficiary?

Upon registering a beneficiary, you can instantly transfer money via NEFT, RTGS, IMPS, and Kotak-to-Kotak transfers. There is no need to activate or deactivate a transfer type for a particular beneficiary.

What is the significance of the ‘Send Receipt’ option?

Send Receipt is a feature offered for Kotak Net Banking customers that intimates the beneficiary regarding a fund transfer. Once you complete a fund transfer, just enter the mobile number or email address of the beneficiary. The bank will send an SMS or email to the beneficiary with the transaction details.

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