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Kotak UPI PIN - Create & Reset

Kotak provides UPI (Unified Payments Interface) service using which you can quickly and easily access your Kotak accounts on your mobile and perform financial transactions. Kotak UPI is a very useful service so that you can perform all financial transactions directly on your mobile instead of visiting the branch or ATM.

But to perform transactions via Kotak UPI you have to create a secure banking PIN called as the Kotak UPI PIN. This PIN helps you perform all financial transactions on your mobile and keeps your account safe as without knowing your UPI PIN no one can transact from your account.

To generate Kotak UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your Kotak Mahindra Bank UPI PIN online using our mobile app. After downloading our mobile app you can immediately create UPI PIN for your bank account and instantly start performing financial transactions from your Kotak account.

You can perform following types of transactions after creating Kotak 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 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.

Benefits of UPI PIN

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

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

Eligibility for using UPI PIN Creation Service

To use Kotak UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with Kotak
  • Your mobile number should be registered with Kotak
  • You should have a atm/debit card associated with your Kotak Mahindra Bank account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

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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