811 Accounts

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A key component of digital banking in the post Demonetisation era is a purely digitally enabled savings account. 811 savings accounts are the new age solutions offered by Kotak Mahindra Bank thriving on completely paperless and cashless banking system. 811 is the first ever zero balance saving account that you can install by downloading the 811 App and set up a mobile banking PIN and start using your saving account immediately!

With this savings account app online bank account opening with zero balance just requires 5 minutes. What’s more, you can even use it as zero balance account or earn up to 6%* p.a. interest on savings account balance.


  • Earn Up to 6%* interest p.a. on your savings account balance
  • Your Digital, No commitment Zero Balance Savings Account
  • Instant account opening with Aadhaar Card (UID Card) details
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811 EDGE

  • Average Monthly Balance (AMB) of Rs. 10,000/-
  • Earn up to 6%* interest on your savings account balance
  • Free Online transfers (NEFT, RTGS, IMPS) - To help you Go Cashless!
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Jifi (Discontinued)

  • No minimum balance, non-interest bearing current account
  • Auto Term deposit creation once the average balance crosses Rs. 25,000/-
  • Hashtag Banking - Prepaid mobile & DTH recharge, Account updates, cheque book request and many more account activities just a tweet away
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