How can I create UPI pin in Kotak Mahindra Bank?

Author

Mia Ramsey

Published Feb 26, 2026

How can I create UPI pin in Kotak Mahindra Bank?

Set UPI PIN (Mandatory)

Dial *99# to set UPI PIN or simply click on Confirm after Registration to set UPI PIN.
Enter the last 6 digits of debit card and expiry date (mmyy) separated by a single space (For ex.
Enter the UPI PIN of choice.
Re-enter the 6 digits and confirm.

Thereof, how can I activate UPI in Kotak Mahindra Bank?

Steps to create a VPA/ UPI ID on Kotak Mobile Banking App

Click on 'BHIM UPI' present in 'My Kotak' section or 'Banking' section.
In the 'BHIM UPI' menu, go to 'Manage VPA' and click on 'Create VPA'
Select the account that you want to link with your VPA *
Enter a new VPA in the space provided and check its availability.

Also, how do I get an UPI pin number? You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI-PIN.

Also Know, what is UPI pin in Kotak Mahindra Bank?

UPI stands for Unified Payment Interface. You will need to enter the virtual payment address (VPA) of the bank account from which you'd like to transfer funds into your Kotak 811 Account. This will create a collect request which you will need to authenticate using your UPI PIN.

Why can't I create a UPI pin?

I am not able to set my UPI Pin. The last 6 digits and expiry date of the debit card is required for setting the UPI PIN. If you're not receiving the OTP in time, kindly click on Resend OTP option.

What is my UPI ID?

Your UPI ID is an address that identifies you on UPI (typically yourname@bankname).

How do I get an UPI ID?

UPI ID, also called Virtual Payment Address (VPA), can be created using a UPI-enabled bank application or a 3rd party app. Download the app and set-up your account. After this, go to 'create UPI ID' and on the next screen, enter the prefix for your VPA (for example abcd@upi).

Why is UPI free?

Although the government has said that payments using UPI would be free, bankers say that the charges have been introduced to prevent frivolous transactions from putting a load on the system.

What is 6 digit PIN Kotak?

All you are required to do when you call us, is to enter your Customer Relationship Number followed by the '#' key, and validate it by entering your 6-digit Phone Banking PIN. This enables higher security for your transactions. Please ensure that Phone Banking PIN is known to no one but you.

How do I increase my Google pay limit?

Google generally increases the transaction limit of an account considering all the payment history of an account. The eligible users are also sent an official mail and notification regarding the increase in transaction limits. If you wish to increase the transaction limit, you can reply back on the same email.

How do I link my Kotak account with Google pay?

To Add Kotak Debit/Credit Card, open Google Pay App and follow below steps:

Tap Profile Payment methods -Add card.
Enter the Kotak Card number, Expiry date, CVV, and the cardholder's name and billing address.
Tap Save.
OTP will be auto read or can be entered manually.

How do I know if my Kotak 811 is full KYC?

In order to upgrade to a regular Kotak 811 account, you will need to verify your Full KYC details. You can either book an appointment through Mobile Banking App or Call our customer care on 1860 266 0811* and schedule your appointment.

How can I activate my Kotak ATM card?

On Mobile Banking:

Go to Service Request.
Select Debit card Service requests.
Activate / Deactivate Debit Card.

Does SBI charge for Google pay?

UPI Transaction Charges of SBI, Paytm, Phonepe etc

SBI, ICICI, HDFC, Paytm and other banks do not charge for this transaction. The banks are losing some money just to promote this way of fund transaction.

Does Kotak debit card have 6 digit PIN?

You can regenerate your 6-digit Kotak Debit Card PIN by: Logging in to net banking at www.kotak.com (Click on Banking -> Debit Card -> Regenerate Debit Card Pin) Logging in to Kotak Mobile Banking App (Click on Service Request -> Debit Card Requests -> Select -> Regenerate PIN)

How do you create a VPA?

How to Create VPA

Download a UPI-enabled app.
Provide your bank account details.
Choose a VPA.
Link VPA to bank account.
Submit details after verification.

How use Kotak Bank app?

5 easy steps to set up your Kotak Mobile Banking

Locate your CRN (Customer Relationship Number) mentioned on your Debit Card / cheque book.
Authenticate using your CRN (Customer Relationship Number)
Create a 6 digit MPIN (Mobile Banking password).
You will receive an SMS with the activation key.

How can I get Kotak QR Code?

Customers have to first locate the Bharat QR code or the Visa Logo at the merchant establishment or on the utility bill. For utility bills, the QR code will be displayed on the portal. Next, the customer has to log on to the Kotak Mahindra Bank app through their 6-digit mPIN.

How do I send an UPI request?

How to request money from UPI?

Choose 'Collect money'' in your UPI app.
Enter payers virtual payment address.
Enter amount.
Enter the time when you want to collect.
Give the remarks for the transactions.
Hit on confirm.

How do I change my 6 digit UPI to 4 digit?

Below you can see the steps to do that:

Open the BHIM app.
Enter 4 digit code to access the app.
Go to Bank Accounts section.
Click on Reset UPI PIN option.
Enter the last 6 digits of your debit card and validity.
Verify the OTP.
Finally, set the new PIN.

Is UPI pin and MPIN same?

Difference between UPI PIN and mPIN

MPIN (Mobile banking Personal Identification Number) is a passcode that is used to make any kind of mobile banking transaction like IMPS, NEFT or National unified USSD Platform whereas UPI PIN is needed to authenticate UPI-based payments.

Is UPI pin same for all bank account?

Note that your UPI PIN will remain the same for your bank account on all apps. It isn't necessary for one to remember your UPI ID to send or request for money.

How do I change my UPI pin without a debit card?

Step1: Open the Phonepe App and from the bottom menu, click on My Money option. Step2: Now, select the Bank accounts option and select the bank for which you forgot UPI PIN. Step3: Tap on reset UPI PIN to reset it.

Can we create UPI pin without debit card?

The executive told me that at present it is not possible to get the UPI PIN without using the debit card. So if you have not a debit card, you can not use the useful services of UPI.

How can I send money without UPI pin?

You simply need to dial *99# on the phone, and wait for a few seconds. The service options will appear on your screen. These options include transferring funds using your mobile number, UPI ID, IFSC and bank account number, and so on. Use the desired service by dialling the number mentioned adjacent to the service.

Does Google ask for ATM PIN?

Google has provided certain guidelines that users should always keep in mind. Your UPI PIN is only needed to send money. Receiving needs no PIN. In case if someone asks you to enter a PIN, it means you are approving an outward payment.

What is UPI pin in Amazon pay?

A UPI PIN is a four or six digit pass code you create/set while registering for UPI and can be used for authenticating your UPI transactions. Once you have registered for UPI, you will get a UPI ID, a virtual payment address linked to your bank account.

How do I change my UPI pin on PE?

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Open menu by tapping on the icon at top right corner of the screen.
Go to "Bank Accounts" section.
Select the bank account for which you want to set a UPI Pin.
Enter the " Last six digits " and "Expiry date" of your Debit/ATM card .
You will receive an OTP from your bank.

How do I activate my Google Pay account?

To set up the Google Pay app:

Make sure your phone's Android version is Lollipop (5.0) or higher.
Download Google Pay.
Open the Google Pay app and follow the setup instructions.
If you have another contactless payment app on your phone: In your phone's Settings app, make Google Pay the default payment app.

How do I add my bank account to Google pay?

How to add a bank account

Check to make sure that your bank works with UPI. If it doesn't, your bank account won't work with Google Pay.
Open Google Pay .
In the top left, tap your photo.
Tap Add bank account.
Choose your bank from the list.
If you have an existing UPI PIN, you'll be asked to enter it.

Is Bhim UPI safe?

“BHIM uses three-factor authentication and hence, is relatively more secure from a consumer point of view. It also combines the convenience of a mobile wallet with the security of net banking,” he told TheHindu. BHIM app will be tied to your phone number and devices and cannot be used with other phones.

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