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Kotak Change UPI PIN

Kotak UPI (Unified Payments Interface) services enables you to easily operate your Kotak account and perform financial transactions. This helps you do all your banking work online and save a lot of time which otherwise would go in visiting the branches and ATMs. Kotak UPI is an online service which can be used 24x7 for performing any type of financial transaction.


But as per Kotak UPI policies, you have to create a UPI PIN for performing any transaction. Once you create Kotak Mahindra Bank UPI PIN if for some reason you want to change your PIN then you can do it online using our mobile app. Our simple to use mobile app allows you to change Kotak UPI PIN online and quickly.


After downloading our app and linking your Kotak account, select Change UPI PIN, enter your existing UPI PIN and then enter new PIN that you want to set. Your Kotak Mahindra Bank UPI PIN will be changed and registered in Kotak so you can perform financial transactions using your new Kotak Mahindra Bank UPI PIN.


You can perform following types of transactions after resetting your UPI PIN:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to change your Kotak UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Kotak account
  3. Select Kotak for BHIM registration
  4. All your Kotak accounts will be registered and activated for BHIM services
  5. Select Change Kotak UPI PIN option
  6. Enter your current UPI PIN
  7. Enter new UPI PIN you want to set
  8. Confirm UPI PIN again
  9. Your new UPI PIN will be registered with Kotak and you can now use your new UPI PIN to perform financial transactions on your mobile

This completes the process of changing Kotak UPI PIN and now you can start performing Kotak Mahindra Bank UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN Change Service


Change Kotak UPI PIN online

Kotak enables you to change your UPI PIN online. In the app select Change UPI PIN option and then proceed to change your PIN. Your new UPI PIN will be registered in Kotak and you can start using it immediately.

24x7 service

You can change UPI PIN whenever required. As it is an online service which works 24x7, you can change Kotak Mahindra Bank UPI PIN from the comfort of your home whenever you need. And as long as you keep your UPI PIN secure, your bank accounts will remain 100% safe.

Mandatory for each transaction

Use of UPI PIN is mandatory for each transaction. This is to safeguard your account so that only you perform transactions from your Kotak accounts. Transactions will be successful only if you enter your correct UPI PIN, else they will be considered as failures.

Reset Kotak UPI PIN

In case you have forgotten your Kotak Mahindra Bank UPI PIN then using our mobile app you can reset and create a new UPI PIN. This is again an online service wherein you can change your PIN whenever required.

Benefits of Online Change UPI PIN Service

There are many benefits to using Kotak Change UPI PIN services such as:

Time saving: By using online service for changing Kotak UPI PIN you can save a lot of time as the entire process of changing the PIN for your Kotak account can be done online. There is no need to visit Kotak branch or ATM for changing your Kotak BHIM PIN.

Security: All Kotak Mahindra Bank UPI transactions are 100% secure due to linking of your account on your mobile number and your UPI PIN. Transactions will be successful only if you enter your correct PIN.

Multi Purpose: You can use multiple services under Kotak UPI such as account balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Kotak account.

Security of Change UPI PIN Service

100% security for Kotak UPI PIN Change service is ensured in the following ways:

  1. UPI registration for your Kotak accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using Kotak Mahindra Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of financial transactions you have to use your Kotak UPI PIN. Transaction will not be successful until you use your correct PIN
  4. App password can be created so that no one can even open the app without knowing your app password
  5. PIN or pattern lock can be created for your phone so that no one can open your mobile

Timing of Change UPI PIN Service

  • As banking is extremely crucial in day to day life, Kotak UPI services can be used on all days, including Saturday and Sunday
  • Main benefit of Kotak BHIM is that you can use it at night as well
  • For your convenience, the UPI facility is available even on bank holidays and public holidays
  • The BHIM services are available throughout the year

Eligibility for using UPI PIN Change Service

In order to use Kotak UPI PIN Change service you must meet the following requirements:

  • A savings or current account with Kotak
  • Mobile number should be registered with Kotak Mahindra Bank
  • Android or iPhone mobile phone
  • Internet connection either via SIM card or WiFi

Limitations of UPI PIN Change Service

Please keep in mind the following limitations of Kotak UPI PIN Change service:

  • It will not work if your mobile number is not registered with Kotak
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per Kotak Mahindra Bank account under UPI facility

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