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Kotak 811 Bank Zero Balance Savings Account, Features, Interest Rates

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If You don’t possess any saving Bank Account yet, You Should Check Kotak Mahindra Bank Before you Apply to any other Bank.

Get the full power Digital Account with Video KYC in 3 steps

1 PAN and Aadhaar Verification.

2 Fill in Personal details with Complete Privacy.

3 KYC Verification via Video Call.

Start Digital Banking with Kotak 811 Zero Balance Savings Account for All Your Needs, No paperwork is needed.


Quick Glance of Kotak 811 Saving Account

  1. Zero Maintenance Fees.
  2. Let’s your money pay you at our interest up to 4%*interest p.a. interest rates are subject to change.
  3. Get instant benefit of virtual Debit Card.
  4. Enjoy Award-Winning Services with 811 Kotak bank account. The interest rates are subject to changes in market risk.

Unique Features and Benefits of the 811 Digital Bank Account

The Kotak 811 bank account packages let you into the entire digital banking ecosystem where You Get the best deals on entertainment, travel, shopping, and benefited all your banking/investment needs Through Kotak Mahindra mobile app.

  1. Instant Account Opening.

Instant account opening is easy with Kotak Mahindra Bank. No visiting required to any bank branch or leaving your home Just Download Kotak Mahindra mobile app.

  1. No minimum balance commitment.

Kotak 811 bank account gives you the freedom of maintaining a minimum balance in your account.

  1. Get Up to 4%* Interest Rate per annum.

Earn up to 4%* interest annually on your saving account balance. Let’s wok your money while you rest or play!

  1. Free online fund transfer through NEFT or IMPS or RTGS.
  2. All your banking solutions in one place.

Apply for RD/TD in a single click from the 811 Kotak Mobile banking app. You can also request for cheque book, Transfer funds, and many other amazing features.

  1. Virtual Debit Card.

In a minute you will get a Virtual Debit Card once you successfully created Kotak 811 account. Start online shopping, paying bills, or recharging mobile/DTH, in few taps.

  1. Shop, Travel, and Many more with Kotak 811 zero balance open.

Once you downloaded the Kotak Mahindra Mobile app which enables you to enter digital banking world into your Smartphone. Through the Kotak Mahindra Mobile app, you will best deals on travel, shopping, entertainment, and meet all your banking/investment needs at just one click away.

Still, have you any questions? Don’t hesitate to call at 1860 2660 811 (local call charges apply) or you will get all deciding juggling questions out once you go through our FAQ.

  1. What is Kotak 811?

Kotak 811 unique feature offering you a savings bank account in Kotak Mahindra bank without any initial balance for a new applicant.

  1. How to apply for Kotak 811 account?

Very easy process to apply for Kotak 811 account through the bank’s website or by downloading the app. Click here to know more about Kotak 811 through the official website.

  1. Is Kotak 811 Account holder eligible to get a Debit Card or Not?

Definitely, once the account is created, you will get a free virtual debit card that you can use for online shopping and payments. All this possible through Just  Kotak Mahindra Mobile Banking App. In just Rs. 199 with taxes, you will get a Physical debit card as well by applying through your mobile banking app.

  1. What is the Basic requirement/criteria for Kotak 811 account open?

Every citizen of India who is 18 years old, and completes the full KYC (Know Your Customer) Process. Not having an existing Savings Account in Kotak Mahindra Bank.

  1. I don’t want to keep a minimum balance in the account.

Non-maintenance of minimum balance in ordinary Kotak 811 account. Absolutely independent financial freedom with Kotak Mahindra bank zero balance account.

  1. How much interest rate on Kotak 811 Saving Account?

Kotak 811 offers an attractive interest rate on a savings account. The interest rate given depends on the total deposit available on the savings account on the day of closing. As of now up to 4%.

  1. The existing savings account holder or recently closed Kotak Mahindra bank account can apply?

No. Kotak 811 is offering for those looking to open a zero balance account.

  1. Can I open a Kotak 811 Account as a student?

The Kotak 811 bank account packages cover a range of digital banking platforms for your Smartphone.

  1. Will I have to pay for bank Statements and Alerts.

No Cost for Email account statements. Schedule of Features & Charges are subject to as per the General Policy.

  1. Is there any transaction charge in Kotak 811.

Account opening, online fund transfers, full KYC, etc have no charges.

However, We follow the guideline of the General Schedule of Features & Charges (GSFC) for some of the transactions. Click here to know more.

  1. I Don’t get my question in the FAQ.

No Worry our customer care center on 1860 266 0811 (*Local charges applicable)

  1. Is my Banking Secure?

Absolutely! Kotak Mahindra Bank maintains strict security standards to prevent unauthorized access to your credentials.

  1. Can we apply for a joint account with Kotak 811?

Once the full KYC of your 811 accounts, you can add your Partner by visiting the nearest bank branch.

If you have any other questions remain you can ask representatives for assistance.

So, let’s begin your financial digital journey with Kotak 811 and start banking with the best bank for a savings account in India.


Scan and Pay through your Kotak Mobile Banking App at your nearest in-store outlets.

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