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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. One SMS will be sent from your phone to verify your mobile number
  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

This completes the process for Kotak UPI registration and you can immediately start performing BHIM UPI transactions 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

Using our mobile app, you can easily create Kotak UPI PIN for your bank account. You don’t have to visit the branch or ATM and can instead create your own Kotak BHIM PIN online.

Separate UPI PIN for each bank account

For the safety of your Kotak Mahindra Bank accounts you have to create separate UPI PIN for each account. This ensures that all your bank accounts remain safe and secure and no authorized personnel can perform transactions on your behalf.

Mandatory for any financial transaction

The most important safety aspect of UPI is the use of Kotak UPI PIN for each transaction. As per UPI guidelines, you cannot perform any transaction without Kotak BHIM PIN. Hence without knowing your UPI PIN no one can transact from your account. So please do not share your UPI PIN with anyone, this will ensure your Kotak account remains 100% secure.

Easily recreate Kotak UPI PIN if you forget your old PIN

In case you forget your old Kotak Mahindra Bank UPI PIN then you can again use our mobile app to generate a new UPI PIN. This also can be done completely online and you don’t have to visit the branch or ATM.

Easily change Kotak UPI PIN

If you want to change your Kotak Mahindra Bank BHIM PIN for any reason then you can easily do so using our app. All you have to do is enter your existing UPI PIN and then enter the new PIN that you want to set. Your new PIN will be immediately registered in your Kotak account and you can use the new UPI PIN for performing financial transactions.

UPI PIN Benefits

Following are the benefits of using Kotak UPI PIN service:

Saving Time: You can save a lot of time by generating Kotak UPI PIN on mobile using our app instead of visiting the branch or ATM. This helps you quickly create your own UPI PIN on your mobile and then you can instantly start performing transactions using UPI.

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

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

Kotak UPI PIN service is fully secured in 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. To use Kotak Mahindra Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your Kotak UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. You can also create a PIN or pattern lock 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

Following are the limitations of Kotak Create UPI PIN service:

  • It will only work if your mobile number is registered with Kotak
  • It will not work without an active Kotak atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per Kotak Mahindra Bank account under UPI facility

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