@Manan Surana while opening demat acc, i had given my Kotak acc num.
So from Kite app, i do funds trf via upi or direct net banking or reg Zerodha as beneficiary in Kotak and do imps.
For ipo, in Kotak net banking Asba section, i have added beneficiary with Zerodha details.
So i can apply ipo from Kotak net banking or Zerodha, whichever i like