A savings bank account
that’s ready in minutes

Get your 811 account instantly, without any paperwork.

Explore 811

811 for everyone

From a zero balance account to premium account, we’ve got something for everyone (Resident Indian individuals only).

Explore 811 Variants

4%* interest p.a. and other top reasons to love Kotak 811

Need help? Give us a call at 1860 2660 811 (local call charges apply) or check out our FAQs. FAQs

Virtual Debit Card

Get your card number instantly with a Virtual Debit Card & start transacting & paying online.

No Maintenance Fees

Don’t worry about maintaining a minimum account balance.Your 811 account has zero charges for non-maintenance of balance.

Get Interest On Your Balance

Avail up to 4%* interest per annum on your account balance.

Scan And Pay^

Why use cash or cards when you can scan and pay for your bills & purchases?

Award Winning Services

Experience Kotak 811 and know why it has received awards and accolades in the world of banking.

Enjoy unlimited banking with zero paperwork

Enjoy unlimited banking with zero paperwork

Get the full-fledged award-winning 811 experience - with unlimited account validity and unrestricted deposits and spends. Just complete your Full KYC verification right at your doorstep.

Advantages of Full KYC Verification

Customer speaks

"Thanks to the Kotak 811 app, I was able to transfer money to my sister, instantly. This made my Raksha Bandhan a little special" -Nirav (Finance Assistant, Mumbai).

Customer speaks

"For a young financial professional like me, Kotak 811 app gives me an opportunity to park my funds at 4% without any risk". - Prem (Investment Banker, Mumbai)

Customer speaks

"Kotak 811 app is fast and easy to access. I requested my cheque book through this app, and I received it in less than 7 days. I was highly impressed, and it made everything approachable and accessible". - Mohak (Advertising professional, Mumbai).

Join the 811 club today


No hidden charges, takes only 5 minutes.


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

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