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<h5>What is a dormant Savings A/c?</h5>An account becomes dormant when no withdrawals or deposits are made for 24 months. Please note that your account still exists with Kotak811, but you cannot access it until it is reactivated.<h5>How do you reactivate your account?</h5>Step 1: &nbsp;Enter your detailsStep 2:&nbsp; Verify your Aadhaar via OTPStep 3: &nbsp;Upload your PAN cardStep 4:&nbsp; Take a selfie for verificationStep 5: &nbsp;Choose between 811 super and a Zero Balance Savings a/cStep 6: &nbsp;Start video KYC to complete account reactivation process<h5>What are the benefits of reactivating&nbsp;your account?</h5>Here&rsquo;s why reactivating your Kotak811 account is a smart move:<ul><li>7.40%* interest with Fixed Deposits</li><li>Up to ₹35,000* savings with 811 Debit Card offers</li><li>Competitive interest rates on Recurring Deposits</li><li>Kotak recommended Mutual Funds</li><li>7%* interest with ActivMoney</li></ul><h5>*T&amp;C Apply</h5><ul><li>Providing Aadhaar is voluntary</li><li>Video KYC available daily from 8:00am to 8:00pm</li></ul><a href="https://811.onelink.me/xfzM/logo1" target="_blank" rel="noopener">Download the new Kotak811 App</a>

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<ul>
<li>Interest rates on Savings Account have been de-regularized by RBI. The rate may vary from time to time and will be calculated on Daily Product basis on clear balance. The interest on savings accounts will be credited at quarterly intervals or as prescribed by Reserve Bank of India from time to time.</li>
<li>The Savings Bank Account should be used to route transactions of only non-business/ noncommercial nature. In the event of occurrence of such transactions or any such transactions that may be construed as commercial/ business/ dubious or undesirable, the Bank reserves the right to unilaterally freeze operations in such accounts and/ or close the account. The number of permissible deposit and withdrawal transactions without any charges are available in GSFC.</li>
<li>Computation of AMB / AQB is the summation of end of day balances for the period (month / quarter) / no. of days of the said period (month/quarter). Refer GSFC for details on Non - Maintenance charges.</li>
<li>Relationship Value (RV) is a combination of the Average balance across all accounts maintained with the Bank and Investments in MF &amp; Insurance routed through the Bank.</li>
<li>Nomination Facility is available for all types of individual deposit accounts.</li>
<li>Cash Deposit facility is provided at both home &amp; non-home branches. Charges applicable on nonhome branches cash deposit is available in GSFC. Cash can also be deposited in Cash Deposit Machines (wherever available)</li>
<li>Bank Customers can avail the facility of Cash Withdrawal through Cash Withdrawal Slip as per limit prescribed by the Bank from time to time by visiting any Bank Branch in person. There is no requirement of submitting passbook while withdrawal of cash through withdrawal slips.</li>
<li>SMS Banking and Alert Facility is available to all account holders for all products. Refer to GSFC for charges applicable.</li>
<li>Bank extends passbook facility on Savings Bank Accounts. Bank provides monthly statement of customer Bank account free of cost on customer visiting the Branch personally. Quarterly physical statements will be issued by default to all Passbook Customers. Charges for issuance of Duplicate passbook /statement are available in GSFC. Duplicate passbook, if requested for, can be printed for the period as requested while issuing the passbook. There are no charges for printing the past entries in the duplicate passbook</li>
<li>In case of the Entity accepting / receiving any Foreign Contributions , customers need to comply to Foreign Exchange Management Act of 1999 (FEMA).</li>
<li>Customer should carefully examine the entries made in their Statement of Account/s/ Passbook and draw Bank&rsquo;s attention to any errors/omissions/ discrepancies that may be discovered within 30 days from the date of entries falling which the same shall be deemed to be correct and accepted by the customer and the customer shall not be entitled to question the correctness/ accuracy thereof.</li>
<li>Accounts which have not been operated over a period of one year and two years are termed as inoperative and dormant account respectively. Accounts which are not operated for Ten years will be marked as &ldquo;Unclaimed&rdquo;. A request for activation of account has to be made by the customer in writing by visiting our nearest branch with his original identity proof documents acceptable to the Bank. There are no charges on activation of such accounts.</li>
<li>The request for Transfer of Account from one Branch to other can be submitted at any of the Branch. Charges with regards to Closure of Account are specified in GSFC. There are no charges for Transfer of Account between Branches.</li>
<li>Charges for issuance of Cheque book &amp; Cheque Return charges are available in GSFC.</li>
<li>Registration of Standing Instructions / Direct Debits can be done by giving a request at any Branch. Charges as specified in GSFC will be levied for non-execution of Standing Instructions / Direct Debits.</li>
<li>Satisfactory Conduct of the account entails maintaining stipulated average balance (wherever applicable) and there are no Cheque / standing instruction bounces. If there are high incidences to the contrary, the Bank reserves the right to close the Account under intimation to the customer. Any nonmaintenance of stipulated minimum balance will attract service charge as per Bank&rsquo;s journal schedule of Features and Charges which are available with our Branches and on the Bank&rsquo;s website <a href="https://www.kotak.com">www.kotak.com</a>.</li>
<li>The Bank reserves its right to close any account which is not operated satisfactorily/dormant with prior notice.</li>
<li>The customer needs to intimate Bank in writing of any change in the contact details/address. Customer needs to submit documentary proof wherever applicable.</li>
<li>The age considered for minor is below 18 years and for senior citizen as 60 years and above.</li>
<li>The Bank may disclose information about customer&rsquo;s account if required or permitted by any law/rule or regulations or at the request of any public or regulatory authority or if such disclosure is required for the purposes of preventing fraud without any specific consent of the customer.</li>
<li>Copies of Citizens Charter, BCSBI Code, Customer Education Brochure, General Terms and Conditions which govern the conduct of Savings Bank Account are available in the Branch and on the website www.kotak.com. For any information or changes in Bank&rsquo;s Policies, interest rates, service charges, etc., applicable to your account, refer to notices displayed in the customer area of the Branch.</li>
<li>The Bank will give a prior intimation of 30 days for any change in T&amp;Cs / increase in fees &amp; charges.</li>
<li>Mere deposit of an amount for opening an account does not mean that the Bank has opened the Account. The account opening cannot be deemed to come into existence until the Bank gives the intending customer a Welcome Kit containing Account Number, Cheque Book, Debit Card etc. the Bank reserves the right to make any changes, alterations, cancellations in the above rules at any time without notice. Any person opening the account shall be bound by the rules governing the account.</li>
<li>Bank Deposits up to Rs.5,00,000 in respect of each depositor are fully protected by the Deposit Insurance and Credit Guarantee Corporation under the deposit Insurance Scheme.</li>
<li>The Bank reserves the right to make any changes, alterations, cancellations, in the above rules at any time without notice. Any person opening the account shall be bound by the rules governing the account.</li>
</ul>

Privacy Policy

Choose between 811 super and a Zero Balance Savings A/c

Start video KYC to complete account reactivation process

Enter the details below to complete your application

Welcome!

<ul>
<li>Any resident Indian of the age of 18 years and above who is a citizen of India as per FEMA guidelines and is physically present in India, while applying for the Kotak 811 Account Opening offered by Kotak Mahindra Bank Limited (KMBL), can provide his/her details provides.</li>
<li>By providing his/her details, customer agrees to the terms and conditions of the Bank as listed in <a title="" href="http://www.kotak.com/terms-conditions.html" target="_blank" rel="noopener">http://www.kotak.com/terms-conditions.html</a></li>
<li>By sharing all the information, customer consents to provide his/her name, contact details and other information on an at will basis with Bank</li>
<li>Bank shall not be liable for any connectivity/ signal/ data issues leading to non-completion or wrong/false/incomplete information being provided by the customer leading to the incompletion of his/her application.</li>
<li>The customer understands and agrees to voluntarily share her/his valid Aadhaar details and valid PAN card number. She/he understands and agree that the information provided during the account opening process are accurate and complete failing which, the bank reserves the right to reject the a/c opening application due to error or incomplete KYC as per KYC norms, third party funding (i.e. the initial payment in the account should be done by one&rsquo;s own account).or any other reason deem appropriate by Bank.</li>
<li>Customer agrees that the name in the account will be the customer name as per his/her name mentioned on Aadhaar Card.</li>
<li>Application for opening the 811 account is absolutely free of charge and Bank shall not be liable to pay for any costs (technical/ data plan related or otherwise) incurred by the customer in the course of sharing his/her details on the application.</li>
<li>This A/C opening process is not available for existing Kotak Bank customers who have a customer relationship number (CRN) with the bank.</li>
<li>If a customer has a tax obligation to any country other than India (FATCA reportable), then the account opening process for the customer should be done at the nearest branch. Customers opening an 811 account declare and understand that if there is a change in the tax residency (i.e. FATCA reportable) they will intimate the bank within 30 days of such change.</li>
<li>Customer declares and confirms that all information/details given to the bank through electronic /physical form shall be considered final and legally binding. Bank reserves the right to take necessary action, legal or otherwise, if it finds any willful modification/ withholding of information or misrepresentation by the customer. Bank shall not bear any liability for any loss arising out of customer&rsquo;s failure to do so.</li>
<li>Customer understands and agrees that interest on the amount funded online will be paid subject to activation of the account and only from the date when the funds has been credited into the account.</li>
<li>The customer shall not enjoy the services provided by the bank unless the customer on-boarding process is complete. i.e. the customer has logged on the app and created net banking /MPIN.</li>
<li>The customer understands and confirms that the Bank has every right to close or debit freeze the account if
<ul>
<li>The details provided by her/him are found to be inaccurate or incomplete by the Bank on regular monitoring or document verification or</li>
<li>For any other reason whatsoever without assigning any reason thereof. The bank can cancel the CRN if the FKYC verification is not done in the allotted time. In such an event, the deposit amount will be refunded to the source account. The bank shall not be liable to pay any interest on the deposit amount. The bank will retain the documents / Photographs (if any) and any other signed document submitted.</li>
</ul>
</li>
<li>The customer herewith agrees to be contacted by the bank to receive information with respect to account maintenance, alerts, payments due, and updates on existing and new products, servicing of account for sales, marketing or servicing their relationship with KMBL, its group companies/associates or agents through Telephone/Mobile/SMS/Email etc. Further she/he understands and confirms that the consent to receive calls/communications shall be valid and shall prevail over their current or any subsequent registration of their mobile number for NDNC.</li>
<li>The customer authorizes Bank to share his/her mobile number and address with the respective mobile operator to verify customer's address at any point of time</li>
<li>The 811 Digital Account is not available to a certain set of individuals (person operating with thumb impression or sick /incapacitated or any person where the bank feels that they may require additional controls / diligence to safeguard Bank / Customer interest). These set of individuals may visit our Branch to select other products available. If the bank finds out that the above mentioned set of individuals have opened an 811 Digital Account, the Bank reserves the right to offer another account and close this 811 Digital account.</li>
<li>The customer confirms that the account is being opened by him/her for his/her own use and that the mobile number, SIM &amp; device used for opening the account belongs to him and same have not been shared by him with any other individual. The customer further confirms that he has not shared the credentials pertaining to the account opening with any other person. In case of any discrepancy, the bank reserves the right to block or close the account without any notice.</li>
<li>The customer herewith agrees that if the application is rejected, Bank will retain the documents / Photographs and any other signed document submitted by the customer on the application or otherwise. The customer confirms that the account is being opened by him/her for his/her own use and that the mobile number, SIM &amp; device used for opening the account belongs to him and same have not been shared by him with any other individual. The customer further confirms that he has not shared the credentials pertaining to the account opening with any other person. In case of any discrepancy, the bank reserves the right to block or close the account without any notice.</li>
</ul>

What is a dormant Savings A/c?

How do you reactivate your account?

What are the benefits of reactivating your account?

*T&C Apply