Kotak Debit Card PIN Generation

Kotak Mahindra Bank provides a six-digit PIN with its debit cards, enhancing security compared to the four-digit PINs offered by most other banks. Users can reset their Kotak debit card PIN through both online and offline methods.

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For online methods, users can utilise net banking, the mobile banking app, or ATMs.

  1. In net banking, users log in to the bank's portal, navigate to the 'Debit Card' section, and follow the prompts for 'PIN Generation' or 'Reset PIN'.
  2. The mobile banking app offers similar functionality, allowing users to select 'PIN Generation' or 'Reset PIN' and set a new PIN.
  3. At ATMs, users can insert their debit card, select the relevant option, and follow on-screen instructions. 

Offline methods include calling customer care or visiting a bank branch.

  1. By calling the customer care helpline, users can request a PIN reset and follow the instructions given by the representative.
  2. Alternatively, users can visit the nearest Kotak Mahindra Bank branch, request a PIN reset at the customer service desk, provide necessary identification, and follow the provided procedure.
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How to Generate Kotak Debit Card PIN Offline?

The PIN for Kotak Debit Card can be generated through various offline modes such as ATM, SMS, and customer care. Below are the PIN generation steps mentioned for each offline mode:

Steps to Change/Generate Kotak Debit Card PIN through ATM

Kotak Mahindra Bank allows its customers to generate debit card PIN through ATMs within just a few minutes. Here are the detailed steps of PIN generation through ATMS:

Step 1: Visit your nearest Kotak Mahindra Bank branch and insert your Kotak Bank Debit Card into the ATM.

Step 2: Select ‘Set PIN’ from the options displayed on the screen.

Step 3: You will receive an activation passcode on your registered mobile number. Enter this passcode when prompted.

Step 4: Provide your account information, including your registered mobile number and Date of Birth, on the screen.

Step 5: Once the details are verified, set your desired 4-digit ATM PIN for activating your Kotak Bank debit card.

Step 6: Confirm the PIN by entering it again as instructed.

Step 7: You will receive a notification confirming the successful activation of your debit card PIN.

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Steps to Generate Kotak Debit Card PIN through SMS

Kotak Debit Card Pin can also be generated through SMS service. Following are the steps to generate PIN through this offline mode:

  1. Send SMS from registered mobile number to 9971056767 or 5676788
  1. Type ‘DEBITPIN(space)last four digits of debit card number’

Example: DEBITPIN 4252

Note:

  1. PIN cannot be generated for permanently blocked debit cards.
  2. For temporarily blocked debit cards, users must unblock the card before regenerating the PIN.

Steps to Generate Kotak Debit Card PIN through Customer Care

Kotak Mahindra Bank provides fast customer services by assisting the customers over the phone. This bank also allows the users to generate their Kotak debit card PIN just by calling the customer care number. Here are the steps to generate Kotak Debit Card Pin through customer care:

Step 1: Users need to call the customer care number (1860-266-2666) from their registered mobile number.

Step 2: Select ‘ATM and Prepaid Card Services’ option

Step 3: Select ‘Generate Green Pin’ option

Step 4: Enter debit card number for verification

Step 5: Users will receive an OTP on their registered mobile number, which will be valid for two days

Step 6: Visit nearest Kotak ATM to activate the debit card and generate PIN using the OTP

How to Generate Kotak Debit Card PIN Online?

Kotak Mahindra Bank facilitates online mode to generate new PIN for Kotak debit cards. The following are the three different online modes offered by the bank to generate debit card PIN:

Steps to Generate Kotak Debit Card PIN through Net Banking

Kotak Debit Card PIN can be generated using Net Banking credentials. Here are the steps of PIN generation through net banking:

Step 1: Sign in to your Kotak Mahindra Bank online banking account using your login ID and password.

Step 2: Navigate to the ‘Account’ section and select ‘Debit Card’.

Step 3: Choose ‘Set Debit Card PIN’ from the ‘Additional Services’ menu.

Step 4: Enter a four-digit PIN of your choice, which will serve as your ATM PIN/Kotak Bank Debit Card PIN.

Step 5: Confirm the PIN by entering it again and enter the expiry date of your debit card.

Step 6: Proceed by entering the OTP (One-Time Password) sent to your registered mobile number to successfully complete the Kotak Mahindra Bank ATM PIN generation process.

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Steps to Generate Kotak Debit Card PIN through Mobile Banking

Kotak Bank offers mobile banking service to generate PIN through the bank’s 811 app. Here are the steps to generate Kotak Debit Card PIN through mobile banking:

Step 1: Download 811 app and install it on the mobile device

Step 2: User registered mobile number to register

Step 3: Create MPIN to log in

Step 4: Select ‘Service Request’ option followed by ‘Debit Card’ option

Step 5: Select ‘Re-generate PIN’ option

Step 6: For verification enter MPIN

Step 7: Enter a new PIN and click on ‘Submit’ to complete the process

Step 8: You will receive a notification confirming the successful generation of your Kotak Mahindra Bank debit card PIN soon after completing the process.

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Steps to Generate Kotak Debit Card PIN through Website

Generation of new Kotak Debit Card Pin can be done online through the bank’s official website. Here are the steps to generate a new PIN for Kotak Debit Card:

Step 1: Visit the official website(https://www.kotak.com/en/transaction-services/generate-pin.html) of the bank

Step 2: Click on ‘Debit and Credit Cards’ under ‘Service Request’

Step 3: Click on ‘Generate PIN for all your Kotak Cards’

Step 4: Select the card type and then choose the variant

Step 5: Enter card details such as card number, expiry date, and CVV number

Step 6: Enter new PIN and re-enter it again

Step 7: Click on ‘Confirm’ to complete the process

Note:

  1. This process is applicable only for active cards
  2. For temporarily blocked, users will have to unblock the card first to generate PIN
  3. PIN will get locked, if wrong card details are entered three times in a row. Users need to go for Physical PIN generation option for this case.
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How to Generate Kotak Bank Debit Card PIN Physical?

Kotak Bank also allows Physical PIN generation mode to the users if someone does not want to opt for online or offline mode. Here is all you need to do to generate Physical PIN:

Step 1: Visit official website of the bank

Step 2: Enter username and password to log in

Step 3: Click on ‘Debit Card’ option

Step 4: Select ‘Request for Physical PIN’

Step 5: Enter card details and communication address

Step 6: Click on ‘Submit’ to complete the process

The user will receive Physical PIN within seven working days and the process will incur Physical ATM charges which will be deducted from the user’s account.

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FAQs on Kotak Bank Debit Card PIN Generation

  • How does the PIN get locked for Kotak Debit Cards?

    Wrong entry of card details while PIN generation or entering wrong PIN in the ATM three times in row, will block the PIN automatically. In such case, the user will have to apply for Physical PIN generation. 

  • Can I call customer care on Sunday to regenerate Kotak Debit Card PIN?

    The Kotak customer care is functional from Monday to Saturday. So, you cannot generate PIN for your Kotak debit card by calling the customer care number on Sunday. 

  • I got a call from Kotak Bank to generate my debit card PIN, what should I do?

    Never provide your sensitive banking details to anyone over the phone. Debit card PIN can be generated through online and offline modes as provided in the bank’s official website. Always remember, bank staff will never call you to generate your debit card PIN. 

  • Do I need any documents to generate a new PIN?

    No, you don’t need any documents to generate PIN. All you need is your debit card number, expiry date and CVV number for online mode. For offline mode, only the card number is required. For both offline and online mode registered mobile number of the user is needed. 

  • Are the PIN generation modes chargeable?

    No, not all the modes are chargeable. All the online and offline modes are non-chargeable. Only the Physical PIN generation mode is chargeable and costs a nominal fee to the users.

  • Why am I not getting the OTP in my mobile?

    OTP may not be received if the registered number is inactive. You may not receive the OTP due to insufficient balance in your registered number. OTP may not be delivered on the number due to server or network issue as well. 

  • How frequently should I change my debit card PIN?

    According to the cyber experts, ATM PIN should be changed every three to six months to avoid cyber scams. PIN should not be shared with anyone, not even with bank staff. 

  • What should be my debit card PIN?

    Kotak debit cards have six digits PIN. Make it extra-long and keep something familiar so that you can remember. Avoid using obvious numbers and keep something meaningful. Keep it hidden in your phone than to have it written. 

  • Is Kotak debit card PIN the same as the ATM PIN?

    Is Kotak debit card PIN the Yes, debit card and ATM PIN are same, provided the utility of the cards and PIN are the same. In some cases, ATM cards are used for cash withdrawals, while Debit cards are used both for cash withdrawals and fund transfer. If in such case, the PIN for both the cards are same then with the same PIN both the cards can be operated.

  • How to regenerate your Kotak Debit Card PIN?

    You can regenerate your Kotak Debit card PIN in case you have forgotten your PIN, provided your card is an active card only, as PIN regeneration is not possible for blocked cards. You can regenerate PIN through mobile banking and net banking services. Click on ‘Debit Card request’ under ‘Service Request’ option and select ‘Regenerate PIN’ through mobile banking. 

  • Why is my Kotak debit card not working online?

    Your Kotak debit card is probably not working online due to various reasons such as entering wrong card details, incorrect OTP, or incorrect VBV (Verified by Visa) password. Incorrect card details such as CVV number, card number, and card expiry date. 

  • I have not received my Kotak Debit card or Debit card PIN. Where should I contact?

    In case you have not received your Kotak debit card PIN, then either you can contact the nearest Kotak Mahindra Bank branch or call at 1860 266 2666, the 24-hour customer care service number. 

About the Author

author

Annie Jangam

Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. She combines her analytical and communication skills to simplify complex financial concepts, delivering precise and creatively engaging content in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. 

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