Kotak Debit Card ATM PIN Generation — Full Guide

Kotak uses a 6‑digit ATM/Debit card PIN, which you can set or reset quickly via diverse secure channels including ATM, app, website, SMS, IVR, or customer care.

1. Generate via Kotak ATM (Green PIN)

  • Go to any Kotak ATM.
  • Insert your debit card, choose Set PIN or Generate PIN.
  • Enter account details when prompted; you’ll receive an OTP on your registered mobile.
  • Input OTP and set your 6‑digit new PIN, confirm it to finish.

2. Via Mobile App (Kotak 811 / Kotak App)

  • Log into Kotak mobile banking app.
  • Navigate to Banking → Service Request → Debit Card Requests.
  • Select Regenerate PIN, enter your card details, and choose a secure 6‑digit PIN.
  • Confirm to activate immediately.

3. Via Net Banking or Website

  • Sign into Kotak Net Banking.
  • Go to Cards → Debit Card → Instant Regeneration of PIN.
  • Provide your card number, expiry, and CVV; enter and confirm your new 6‑digit PIN.
  • Validate via OTP to finish setup instantly.

4. Using SMS (OTP Request Only)

  • From your registered mobile, send: nginxCopyEditDEBITPIN <last 4 digits of your debit card> to 9971056767 or 5676788.
  • You will receive an OTP; visit a Kotak ATM within validity, enter OTP, and set your PIN.

5. Via Customer Care (IVR)

  • Call 1860‑266‑2666 from your registered number.
  • Choose Debit Card Services → Generate Green PIN.
  • Submit card details; receive OTP via SMS, then visit a Kotak ATM to validate and set PIN.

Channel Comparison

MethodInternet?ProcessBest For
ATMNoOTP + PIN setup at ATMOffline users
Mobile AppYesComplete PIN setup inside appSmartphone users
Net Banking / WebsiteYesInstant regeneration via cards menu with OTP validationDesktop/laptop users
SMS + ATMNoSMS OTP request → visit ATM → enter OTP & set PINMinimal access situations
Customer Care + ATMNoIVR call → OTP issued → visit ATM → set PIN with OTPAssisted OTP generation

Important Notes & Best Practices

  • PIN length is 6 digits, unlike the 4-digit standard at many banks.
  • Methods generate an OTP (Green PIN) — valid only once and must be used within 48–72 hours.
  • Only active cards are eligible. Permanently blocked or deactivated cards cannot be used.
  • OTP or PIN entries allowed up to three attempts; after that PIN may get locked and require physical reset.
  • No fees for digital PIN generation; Physical PIN generation (via courier) involves nominal charges (~₹50+GST).
  • Registered mobile number is mandatory across all methods.
  • Choose a strong PIN, avoid birthdays or predictable sequences. Don’t share with anyone.

Quick Summary

  • ✅ PIN length: 6 digits
  • ✅ Choose your method: ATM / App / Net Banking / SMS + ATM / Customer Care + ATM
  • ✅ Must use OTP promptly
  • ✅ Set or reset anytime, 24×7
  • ✅ Keep your mobile linked for OTP delivery