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What is Mobile Banking?

Mobile banking features are not only confined to the banking scenario. The features offered by any typical mobile banking system are also useful in conducting hassle-free transactions in mutual funds, stocks, life & general insurance. Through the services offered by online mobile banking, you can also access loan & credit card records or statements. The overall concept of mobile banking is constantly updating itself with the advent of newer technologies in terms of the operating systems & smartphones.

What Facilities are Offered by Mobile Banking?

When you avail services from mobile banking, you can be assured of the following facilities:

  • Checking balance
  • Transferring funds
  • Checking mini statement
  • Paying bills
  • Requesting cheque books
  • Changing ATM PIN
  • Mobile recharges & so more


How to Use Mobile Banking?

The latest range of smartphones with the built-in operating system like Android, iOS, & others has app stores that allow you to download & access various types of mobile applications. As such, using the same, you can download the mobile app of your concerned banking institution to begin with mobile banking. Once you have downloaded the app and have linked it to your respective bank account, you can use its services & features sitting anywhere in the world.

The advanced use of smartphones & devices along with the emerging technologies has enabled the users to connect effectively with different financial institutions. As such, this digital change is creating a new scope for enhanced convenience for the upcoming generations. When you wish to utilize the features of mobile banking, you must look out for specialized features like the overall ease of use, smart interface, better responses, excellent customer care support, and various others.


Benefits of Mobile Banking

The experts claim the concept of mobile banking because it offers a myriad of benefits to the users. Here are some:

  • Better Access to Personal Accounts: If you wish to access your bank account frequently, you can do it with much ease using the respective mobile apps. In addition to the apps, banks also offer the ease of accessing the facilities offered by mobile banking through SMS, emails, and other forms of notifications.
  • Enhanced Security: Your important bank data remains safe through mobile banking. Moreover, when you are able to access your account directly as & when you need it, it ensures better security of your bank account.
  • Ease of Access: All you need to do is to open the mobile app & avail its services by sitting in the comfort of your home.

Have a great time!


Interest Rate
6%* p.a.
( 6.5% p.a. for Senior Citizens)(Open Kotak 811 and Book an FD to earn up to 7.00% interest)
Minimum Balance
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  • You can now avail the benefits of the banking solutions with a single touch
  • Kotak 811 offers a virtual debit card (VDC) for the ease of online banking
  • Ideal for all your daily needs such as shopping, groceries, cab payments, and various others
  • Earn 7.00% interest on fixed deposits and Senior Citizens can earn upto 6.5% p.a. To know more click
Interest Rate
4% p.a.
(Balance above Rs. 50 lac)
3.5% p.a.
(Balance of below Rs. 50 lac)
Minimum Balance
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  • Get the zero balance savings account number instantly
  • A free virtual debit card for online transactions
  • Transfer funds, get account statements, pay bills, and so more –free of charge

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