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For a better experience, download our new app. (https://kotakapp.onelink.me/Xoqo/vnw5l9ex)  The app allows customers to manage their bank accounts—make payments, money transfers, check balance, change card PINs, and perform various other tasks.   New customers are required to visit their nearest branch to open their bank accounts. Once enrolled, you can use the application to access the services.   Key Features:  * Manage financial transactions, send and receive money with UPI.  * Pay bills, recharge mobile and DTH services & set up AutoPay for repeat payments.   * Update profile details, request statements and manage cards on-the-go.  * Invest & redeem mutual funds while you keep track of your investments.   * Apply for a credit card, keep track of your spending, and pay bills.  * Manage card settings including PIN regeneration and temporary blocking.   * Payday loans are available for eligible users directly through the app.     Getting Started: To start using the app, you need your Customer Relationship Number (CRN) and either a card PIN or your net banking password. The app will guide you through a one-time setup process.  Permissions Required:  * Contacts: For mobile number access  * Location: To find branches or ATMs  * Media & Camera: For profile photo  * Phone: To contact support  * SMS: For device activation and optional data access (with consent)    Please note that your data is safe with Kotak Mahindra Bank. We do not share any information with third parties without your permission.