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: nginxCopyEdit
DEBITPIN <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
| Method | Internet? | Process | Best For |
|---|---|---|---|
| ATM | No | OTP + PIN setup at ATM | Offline users |
| Mobile App | Yes | Complete PIN setup inside app | Smartphone users |
| Net Banking / Website | Yes | Instant regeneration via cards menu with OTP validation | Desktop/laptop users |
| SMS + ATM | No | SMS OTP request → visit ATM → enter OTP & set PIN | Minimal access situations |
| Customer Care + ATM | No | IVR call → OTP issued → visit ATM → set PIN with OTP | Assisted 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
