Glad you asked! Kotak 811 is a zero balance digital account which offers interest rate of up to 4%* p.a. Download the Kotak Mobile Banking App or visit Kotak811 Website to open your Kotak 811 account.

Register using your Aadhaar number*, PAN and other basic details. It will only take a few minutes! After setting up your mobile banking PIN, you can start using your account immediately.

* Submission of Aadhaar is voluntary

811 is a fully loaded Digital Savings Account brought to you by Kotak Mahindra Bank. Below are the key features of your 811 account:

• Open account instantly online
• Earn up to 4%* interest p.a. on your savings account balance
• No Minimum Balance required. Enjoy your Kotak 811 Zero Balance account
• Kotak 811 Account holders can avail free funds transfer online using NEFT or IMPS or RTGS.
• Shop online with ease using your Virtual Debit Card (VDC) or physical debit card.
• Request for your physical debit card through Net-banking or Mobile Banking App and get it for Rs 299/year (inclusive of taxes). Ensure you have adequate balance to pay for the Physical Debit Card before you request one.
• Avail Scan and Pay** for your payments
• Seamless handling of your Kotak811 account through Kotak Mobile Banking App

Earn 4% interest p.a. on Savings Account balance above Rs.50 lakhs, 3.50% interest p.a. on Savings Account balance above Rs.5 lakhs, 3% interest p.a. on Savings Account balances up to Rs.5 lakhs. Applicable for Resident Accounts only.  The interest rates are subject to change. www.kotak.com for latest information on interest rates. If you have opened 811 Lite account as you didn't want to use your Aadhaar or you didn't want to open savings account for receiving DBT or didn't receive Aadhaar OTP then you need to convert your account to Full KYC account in order to get Savings account interest, virtual debit card and cheque book.

**Scan and Pay at selected store outlets

There are 4 types of account opened under 811. Below is the feature comparison table for these accounts:

• Kotak 811 Limited KYC
• Kotak 811 Lite
• Kotak 811 Full KYC
• Kotak 811 Edge

Below is the feature comparison table for these accounts:

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times. If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

Earn 4% interest p.a. on Savings Account balance above Rs. 50 lakhs and 3.50% interest p.a. on Savings Account balance up to Rs. 50 lakhs. Applicable for Resident Accounts only. The interest rates are subject to change. Visit www.kotak.com for latest information on interest rates.

If you are 18 years of age or older, and are a resident of India with an Indian address, you are eligible to apply for a Kotak 811 account. Make sure you have the following details handy when applying for Kotak811 online:

• PAN Number
• Aadhaar Number*

Kotak811 is available for individuals who do not have any existing relationship with Kotak Mahindra Bank. *Submission of Aadhaar is voluntary

When you open a Kotak811 account online, it is intended for a single user only. After the full KYC of your 811 account, you can add a joint account holder by visiting the nearest bank branch.

Don't worry! We regularly back up all the information that you've entered. Please reopen the app, and you will be able to continue from where you left off.

Yes, of course! All the information you've entered is regularly backed up. You may leave the app or close it at any point. When you return, you can resume from where you have left off.

Absolutely! The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.

You can download the Kotak811 app and log into the Mobile Banking App by entering your CRN and the MPIN that you choose during the account opening process. In case you have forgotten the CRN or MPIN, click here.

Having your PAN Card to open your Kotak 811 Account is a must. If you don’t have your PAN Card, you can apply for it using the link and come back again. You will be directed to a third party website once you click the link.

Why not! You can open 811 Lite Account by providing your PAN and few other details.

Kotak811 Edge is a savings account that brings you the best of Kotak 811 and our regular savings accounts. Features of the account are as follows:

• Open account instantly online
• Earn up to 4%* interest p.a. on your savings account balance
• You need to maintain a minimum Average Monthly Balance of Rs.10,000 to enjoy the perks of Kotak811 Edge
• Get a Platinum Chip Debit Card
• Enjoy free online transactions via UPI^, IMPS, NEFT and RTGS

*Maximum of 5 transactions @ nil charges (incl. financial and non-financial) in a month with a cap of maximum 3 transactions (incl. financial and non-financial) @ nil charges in top 6 cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad).

If you already have an 811 account, you can upgrade to 811 Edge once you've verified your KYC details with us. Alternatively, if you don't have an account yet, you can visit www.kotak.com and get started.

• 25 free Cheque Book leaves every quarter
• 4 free Cash Deposit or Withdrawal at a Branch of up to Rs.2 Lakh per month.
• Daily ATM withdrawal limit of Rs.50,000
• Unlimited transactions on Kotak ATM
• Daily Point Of Sale purchase limit of Rs.3 Lakhs
• Lost Card Liability of up to Rs.3.5 Lakhs
• Purchase Protection Limit of up to Rs.1 Lakh

• FATCA stands for the Foreign Account Tax Compliance Act.
• RBI has made FATCA declaration mandatory for all bank account holders in India.
• FATCA is a self-certification provided by the bank account holders about their tax residence for their compliance with FATCA.

• Adding a nominee to your account is the smart thing to do.
• In the unfortunate event of an accident or death, the funds in your account will be transferred to your nominee quickly and easily.
• You don't have to add a nominee if you don't want to Simply select the I don't wish to add a nominee option while you open your Kotak811 Account.
• You can always change your mind and nominate an individual later.

Enjoy the digital world of Kotak 811 zero balance by paying no charges at all! This means –

• No minimum balance charges
• Free Virtual Debit Card
• Free online fund transfer

If you select one of our additional services, such as a physical debit card** or a cheque book*, there may be additional charges. For detailed features and charges, please check here.

* Cheque books are available only to Full KYC customers

There are two ways to withdraw your money :

• Through an ATM using physical debit card
• You can also visit a branch to withdraw cash

*Cash withdrawal not allowed on Kotak Lite account

Following are the steps to apply for RD/TD through Kotak Mobile Banking App:

• Log in to the Mobile Banking App by entering your CRN and the MPIN
• Please visit the Banking section inside the Mobile Banking App
• Go to Fixed/Recurring Deposits
• Tap on Open Recurring Deposit or Open Fixed Deposit.

These features are available to customers who have verified their identity details with us through FKYC. If you haven't done that yet, please schedule an appointment via the Kotak Mobile Banking app.

Here are the steps:

• Log in to the Kotak Mobile Banking App by entering your CRN and the MPIN
• Visit the Pay and Transfer section in the My Kotak section inside the Mobile Banking App
• Click on Scan and Pay
• It will open the QR code reader
• Project it on the QR Code to read it
• Once QR code is successfully captured, put in the amount you want to pay
• The amount will be transferred instantly

• Kotak 811 Limited and full KYC account comes with a free Virtual Debit Card. Since it is not a physical card, it is called as Virtual Debit Card. It can be used for all online shopping and payments similar to how you use a physical debit card. It is completely safe and secure.

Follow the steps below to view Virtual Debit Card in the Mobile Banking App:

• Log in to the Kotak Mobile Banking App using your CRN and MPIN
• Once you've logged in, click on the 811 tab
• Navigate to Virtual Debit card tab to see the details
• Virtual Debit Cards cannot be used at ATMs or Point Of Sale (POS) machines. If you wish, you can apply for a physical debit card as well.

Yes, you can! Steps to request for a Physical Debit Card are as follows:

• Login into the Kotak Mobile Banking App
• Navigate to the 811 section
• Click on Virtual Debit Card
• Click on GET ONE NOW.

Few details about the process of availing the Physical Debit Card:

• The physical Debit Card can be availed at a charge of Rs.299/year (inclusive of taxes).
• You will need to have sufficient balance in your account to order one.
• Once you've requested a Physical Debit Card, we'll charge the card fees to your account
• Your card will be delivered to you within 7-10 working days at your communication address registered with us.
• Kotak811 #DreamDifferent physical Debit Card is not given to 811 Lite customers.
• Kotak811 Lite customers are issued a Virtual Prepaid Card. Once the Full KYC for the account is completed, physical debit card can be availed.

Follow the steps below to view Virtual Debit Card in the Mobile Banking App:

• Log in to the Kotak Mobile Banking App using your CRN and MPIN
• Once you've logged in, click on the 811 tab
• Navigate to Virtual Debit Card tab to see the details

Instantly! You'll get your Virtual Debit Card number the moment you've finished opening your account.

Follow the steps below to view Virtual Debit Card in the Mobile Banking App:

• Log in to the Kotak Mobile Banking App using your CRN and MPIN
• Once you've logged in, click on the 811tab
• Navigate to Virtual Debit Card tab to see the details

Kotak 811 is a digital savings account and does NOT come with a physical welcome kit. Instead, you can visit here to view your digital welcome kit on our YouTube Channel.

If you've placed a request for a Physical Debit Card or Personalized Cheque Book and have not received it within 10 working days, you can chat with Kotak's Virtual Chat Bot, Keya and track the status through the mobile banking app.

• Log into Kotak811 App
• Go to Service Request section
• Tap on Track your Packages

Cheque Book is available to Full KYC accounts.

To avail Personalized Cheque Book, follow the steps below

• Log in to the Kotak Mobile Banking App
• Go to 811 section
• Tap on REQUEST FOR A CHEQUE BOOK

Request for a 25 or 50 leaf Personalized Cheque Book. It will be charged according to our General Schedule of Features and Charges (GSFC). Click here to request a personalized Cheque Book.

Following are the ways in which you can deposit money into your Kotak 811 account:

• You can deposit money using your Debit Card or Net Banking of another bank.
• You can transfer money from another account through NEFT,IMPS or UPI*
• You can visit your nearest Kotak Mahindra Bank branch to deposit cash.
• To know different ways to deposit money in 811 Account, Click here

*Not applicable for 811 Lite accounts

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times. If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

Please don’t worry. The full amount will be credited back into your source bank account within 7 to 10 working days. We're really sorry about the inconvenience caused.

Generally, funds are credited instantaneously. In some cases, it may take up to 2 working days to credit money to your account. If funds are not reflected after two days, please get in touch with us with the transaction reference number.

• UPI stands for Unified Payment Interface.
• It is a payment method that lets you transfer money instantly, even between banks.
• You can fund your account by via UPI
• You will need to enter the virtual payment address (VPA) of the bank account from which you'd like to transfer funds into your Kotak 811 Account.
• This will create a collect request which you will need to authenticate using your UPI PIN. Your Kotak 811 UPI ID/VPA will be BankRegisteredMobileNumber@Kotak and it is created by default during 811 account opening.

For e.g. A customer's mobile number registered with the banking during 811 account opening is 9876543210, then the default VPA is going to be: 9876543210@kotak. (UPI transfers are not available to 811 Lite customers)

• VPA is a Virtual Payment Address that lets you make and receive UPI payments. Think of your VPA as your banking email address.
• You can send money to, or request money from anyone, with just their VPA. It's instant, free, and it doesn't matter which bank they use.

Here is how you can use VPA to make payments:

• Click on BHIM UPI present in Pay and Transfer section or Banking section of the Kotak Mobile App
• In the BHIM UPI menu, navigate to Send Money
• Select your mode of Payment - Pay to VPA or Pay to Account

You can get an 811 Lite account in either of the below cases

You do not want to use Aadhaar for opening your account

You did not receive OTP on your Aadhaar registered no. or do not have mobile no. registered with Aadhaar

Here are some of the features of Kotak811 Lite account:

Shop using Kotak's in-app mall KayMall, recharge and make bill payments online

Shop online, pay bills, recharge through the Virtual Prepaid Card or use Scan and Pay to pay across lakhs of merchants across the country.

The aggregate of all credit in this account should not exceed Rs.5,000 in a calendar month and Rs.1.2 lakh in a financial year

The maximum amount you can keep in this account at any given point of time is Rs.5,000

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times.
If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

Yes, there are restrictions on the transactions.

Outward fund transactions for Kotak811 Lite is not available

You can deposit up to Rs.5,000 per calendar month to your 811 Lite account, and hold up to Rs.5,000 in it at a time

The aggregate of all credits in the account in a financial year should not exceed Rs.1.2 Lakh, unless Biometric full KYC process is completed.

Virtual Prepaid Card is available.

Credits are not permitted if Full KYC is not completed within 180 days from the date of account opening.

Lifting these restrictions is easy! Just schedule an appointment so one of our representatives can visit you to complete your Full KYC. To book an appointment, click here

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times.
If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

• Your 811 Virtual Prepaid Card will be blocked and replaced by a new Kotak811 Virtual Debit Card
• You can access your Virtual Debit Card from the same 811 widget present in the Mobile Banking App
• The new Virtual Debit Card will have no transaction limits
• You can also request for a physical card for ATM withdrawals and offline Point Of Sale (POS) transactions via the Virtual Debit Card tab by tapping on and GET ONE NOW

• You can transact and add up to Rs.5,000 in a month and Rs.1,20,000 per year
• It is a 0 interest account
• Outward fund transfer is not available
• Physical Debit Card is unavailable
• Cheque Book is unavailable
• UPI Transactions are unavailable.
• Customers can't do banking transactions through net banking

There are no such limitations in a Full KYC Kotak811 account.

1. Log in to the Kotak Mobile Banking App
2. Visit the 811 section
3. Tap on Book an Appointment to fix an appointment with our bank representative for getting your Full KYC done.

One of our executives will visit you to complete the in-person Full KYC verification. To book an appointment, click here

To become a Full KYC customer, you need to complete in-person verification in any of the following ways:

KYC at your Doorstep:

Schedule your appointment for full KYC with the help of these steps.

• Log in to the Kotak Mobile Banking App
• Visit the 811 section
• Tap on Book an Appointment to fix an appointment with our bank representative for getting your Full KYC done.

One of our executives will visit you to complete the in-person Full KYC verification. To book an appointment, click here

You can also give a missed call to 02233067171 and complete Full KYC process. Bank representatives will get in touch to help you with the process.

Visiting the Bank Branch:

If you don't want to schedule a Full KYC appointment, you can walk into a Kotak Mahindra Bank branch to complete your Full KYC process. To locate your nearest Kotak Mahindra Bank Brach, click here

One of our customer executives will call you to confirm the time of visit and your address of visit.

Yes, you can reschedule via mobile banking app. Just book an appointment for your revised date.

We're really sorry about the inconvenience. We'll speak to our executive to figure out why this happened. In case you wish to book your appointment again, click here or give a missed call to 02233067171.

Here is the verification process for verification with and without Aadhaar Card.

You don't need to carry any documents for verification process with Aadhaar. However, for verification process without Aadhaar card, customers have carry their original PAN card and one of the communication address proof (Passport, Voter's ID or driving license*).

You would need to complete your in-person KYC verification to enjoy all benefits of your 811 Digital Bank account. We therefore request you to choose a time and date convenient to you, so we can finish this process quickly and easily.

An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and manage your Kotak 811 Account.

When you use the Kotak app to create an 811 account, you'll be able to create a 6-digit MPIN of your choice during the account opening process.

You can reset your MPIN in the following ways:

• Open your Kotak811 Mobile Banking App
• Click on Forgot MPIN
• Fill your personal details such as your date of birth, mother's maiden name etc
• Add a new 6-digit MPIN
• Confirm your new MPIN

How do I create a PIN for my Virtual Debit Card*?

Here's how you can create a PIN for your Virtual Debit Card:

• Log into your Kotak Mobile Banking App
• Click on Service Requests.
• Under the Debit Card section, you'll see an option to Regenerate PIN.

*Unfortunately, we can't offer Virtual Debit Card to Kotak811 Lite customers.

You can use your Virtual Debit Card credentials to register for Net Banking. You'll need your card number, expiry date, CVV and PIN.

*Unfortunately, we can't offer Net Banking to Kotak811 Lite customers. To use our Net Banking services, please upgrade to a full-service 811 account by verifying your KYC details.

• As per RBI guidelines, your Kotak 811 Lite / Limited KYC Account has a validity of 1 year.
• If you haven't completed these formalities, your account will need to be closed at the end of a year (Year is calculated from the date of opening of the 811 Lite, 811 Limited KYC account).

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times.
If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

It's easy. All you need to do is schedule an appointment to meet us once to complete your KYC formalities. One of our bank representatives will visit you at your preferred location. It will just take a few minutes to complete your Full KYC formalities and you can continue to enjoy uninterrupted banking on your 811 Account.

Click hereto schedule an appointment through Kotak Mobile Banking App. You can also give a missed call to 02233067171 and complete your Full KYC process. Bank representatives will get in touch to help you complete the Full KYC process.

811 Limited KYC Account:

If you have not completed the full KYC of your account within the stipulated time period, the account will be closed. Once closed, the balance amount will be sent to your registered communication address via Demand draft within 30 days post closure of your account.

811 Lite Account:

The balance in the 811 Lite account can be utilised however you will not be able to top up the balance in the account as credit freeze will be applicable in the account.

Unfortunately, once your 811 account is closed, you won't be able to reactivate it or open a new 811 Account. You can open a different savings account by visiting the nearest bank branch or requesting our bank representative to visit you.

Most of the services provided to Kotak 811 customers are free such as online fund transfers, account opening, full KYC etc. However, some of the transactions carry a charge as per the General Schedule of Features and Charges (GSFC). Click here to know more.

Kotak 811 Lite, Kotak811 Limited KYC account and Kotak 811 Full KYC account are zero balance accounts. Hence, there is no need to keep a minimum balance.

However, Kotak811 Edge Account requires you to maintain minimum Average Monthly Balance of Rs.10,000. Please Click here to know more about the charges on non-maintenance of the Average Monthly Balance.

Online fund transfer using RTGS, NEFT, & IMPS, bill/ merchant payments using UPI^ are free. Fund transfer using UPI or through branches are charged as per General Schedule of Features & Charges(GSFC).Click here to view the GSFC.

^UPI merchant payments are free. For UPI fund transfer charges refer the General Schedule of Features and Charges (GSFC). Click here to view the GSFC.

Virtual Debit Card is free of cost. The charge of the physical debit card will depend on the type of the Debit Card. To know more about transaction charges, refer to the General Schedule of Features and Charges (GSFC)

That's unfortunate. You will be charged as per the current General Schedule of Features and Charges (GSFC). Refer to the ECS/cheque issued and return (due to non-availability of funds) category in GSFC. Click here to view the GSFC.

Email account statements are free of cost. Physical statement and SMS alerts are charged as per General Schedule of Features and Charges. Click here to view GSFC.

If you have any other questions speak with any of our bank representatives for assistance. You can reach our customer care centre on 1860 266 0811* (*Local charges applicable).