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Features & Benefits of Savings Account

Accessing your savings account is easy and convenient with our wide network of 1300+ branches and 24x7 ATMs across the country. Your savings account is always at your fingertips with our best in class net banking feature, SMS banking and our award winning mobile banking app for all your online transactions.

Healthcare benefits for your safekeeping

Earn FD like interest in your Savings Account with ActivMoney, click here to know more

Meet your savings goal with choice
of options from our Savings Account

Our Savings Account offers you
perfect option based on your needs

No transaction or monthly account
fees with our Savings Account

Types of Savings Account

Apart from regular features and offers like cashbacks and discounts, Kotak Bank have also come up with special savings account programmes designed specifically for women, children, senior citizens, working professionals and for the entire family. Please provide us with a few details related to your requirements so that we can find the most suitable savings account to meet your banking needs.

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811 Digital Bank Account

Free Virtual Debit Card & Lifetime Free Credit Card

With amazing benefits!

Earn 4%* 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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Sankalp Savings Account

AVERAGE QUARTERLY BALANCE (AQB) IS ₹2500

Complimentary Talk time offer from Jio

Terms & Conditions apply

AVERAGE QUARTERLY BALANCE (AQB) IS ₹2500

Flexibility in balance maintenance
Preferential pricing on loans- Gold loans, Two wheeler loans and Tractor loan
Enhanced cash deposit and withdraw facility up to Rs.24 lakhs per annum

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EveryDay Savings Account

₹20000 MINIMUM BALANCE REQUIRED or 30 TRANSACTIONS

Freedom from balance maintenance based on usage
Enjoy offers on Everyday Rupay Debit Card on Everyday Spends
Surprise rewards on achieving transaction milestones during the month

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811 Edge Digital Bank Account

Get Platinum Chip Debit Card
Pay for instore purchases using Scan & Pay
Free online transfers (NEFT, RTGS, IMPS) to help you go cashless

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Ace Savings Account

AVERAGE MONTHLY BALANCE (AMB) IS ₹50,000

15% Discount on locker rental
Free unlimited cash withdrawals across all ATMs
Offers & Discounts at Merchant Outlets in categories such as Lifestyle, Fine Dining, Travel, Health and Fitness

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Pro Savings Account

₹20000 MINIMUM BALANCE REQUIRED

Earn 4%* interest p.a. on your savings account balance
Free unlimited cash withdrawals across all ATMs
Free digital banking services and home banking facilities

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Edge Savings Account

₹10000 MINIMUM BALANCE REQUIRED

Convert savings account balance above a certain amount into term deposits with Kotak ActivMoney
Average monthly balance requirement of Rs.10,000
Free phone banking, net banking (including NEFT) and mobile banking

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Silk Savings Programme

Exclusive offers on Nykaa and Urban Company
Get up to 1500 Kotak Rewards points, special offers, privileges and lifestyle benefits on Kotak Silk Platinum Debit Card spends
Dedicated Query Resolution desk
(toll free – 80-6969-5555)

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Grand - Savings Programme

Get up to 1500* Kotak Reward points on your Debit Card spends for senior citizen holding a Grand Savings Account
Customized cash delivery
Priority Service & First Aid Card to get first preference at our branches
Average Balance Requirement is as per the Account Variant selected

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Junior - The Savings Account for Kids

NMC^ waived savings account
Personalized Junior # Debit Card for every Junior Savings Account
Exclusive privileges and discounts across kid’s brands

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My Family Savings Account

Convert balance above a certain amount in to a Term Deposit using ActivMoney with My Family Savings Account
Maintain balance in one savings account or spread across multiple accounts
Avail Home Banking services

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Classic Savings Account

₹10000 MINIMUM BALANCE REQUIRED

(Available only in semi urban and rural locations)

Earn 4%* interest on your savings account balance
Free cash withdrawals from any Kotak Bank branch and other domestic ATMs across India

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Nova Savings Account

₹5000 MINIMUM BALANCE REQUIRED

(Available only in semi urban and rural locations)

Earn 4%* interest on your savings account balance
Free cash withdrawals from any Kotak Bank branch and other domestic ATMs across India

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Alpha - The Savings & Investment Programme

Get upto 1500* Kotak Reward points on your Debit Card Spends
Maintenance Free Savings Account (Subject to monthly investments)
Earn up to 4%* Interest p.a.on your Savings Account balances

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Platina Savings Account (Discontinued)

Earn 4%* interest on your savings account balance
Free Home Banking up to 10 calls per month on Platina Savings Account

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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Features & Benefits of Savings Account

Types of Savings Account

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