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Kotak UPI PIN - Create & Reset

Kotak UPI (Unified Payments Interface) facility is designed to help Kotak customers easily and safely perform financial transactions on their mobile. Hence after registering for Kotak UPI you don’t have to visit the branch or ATM to perform banking transactions and can instead use your mobile and perform all types of financial transactions.

To keep your Kotak account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your Kotak account. This PIN is called as the Kotak UPI PIN and it helps you easily and safely perform financial transactions from your bank account.

Kotak UPI PIN can be created online using our mobile app and you don’t have to visit the branch or ATM for generating your Kotak Mahindra Bank UPI PIN. After downloading our app, you can instantly create your UPI PIN and then immediately start performing banking transactions.

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

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How to create and reset 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 accounts will be registered and activated for Kotak BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Kotak for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Kotak and you can now use it to perform financial transactions on your mobile

After this step your Kotak Mahindra Bank UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN

Create Kotak UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each Kotak account

If you have more than one account with Kotak Mahindra Bank then you have to generate a separate UPI PIN for each account. This ensures that your Kotak BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of Kotak Mahindra Bank UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of Kotak BHIM PIN. Without entering your Kotak UPI PIN no transaction can go through. This ensures your Kotak account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your Kotak Mahindra Bank UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with Kotak. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your Kotak Mahindra Bank BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your Kotak BHIM PIN you have to use your new PIN while performing transactions.

UPI PIN Benefits

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

Time saving: Using our mobile app you can create your own Kotak UPI PIN online directly on your mobile. This helps you save a lot of time as you don’t have to visit the branch or ATM to generate your Kotak BHIM PIN.

Security: All 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 UPI PIN.

Multi Purpose: Kotak Mahindra Bank UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Kotak account.

UPI PIN security

100% security for Kotak UPI PIN 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. Before using Kotak Mahindra Bank BHIM services, you must create a new secure UPI PIN using your debit card
  3. While performing transactions on your mobile you have to use your Kotak UPI PIN. No transaction will go through without this secure UPI 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 UPI PIN Generation 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, Kotak UPI facility is available even on bank holidays and public holidays
  • Kotak BHIM services are available throughout the year

UPI PIN Generation Service Eligibility

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

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

Create UPI PIN Service limitations

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

  • It will not work if your mobile number is not registered in Kotak
  • You cannot use it if you don’t have a Kotak atm/debit card
  • 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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