UNI Student Bank Account
A savings account for students in India,
which will continue to address their banking requirements for
the rest of their bright professional career.

Get Kotak League Platinum Credit Card & earn 8X reward Points on your every spends of Rs.150 across all categories.
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A savings account for students in India,
which will continue to address their banking requirements for
the rest of their bright professional career.
A complete digital-first student banking experience
Enjoy a no-hassle, zero-balance student bank account
Curated brand offers and specifically tailored deals
Eligibility to apply for a #DreamDifferent Credit Card ***
Eligibility to get Student Loans as per specific requirements
Features |
Description |
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Experience Digital Banking with 180+ features on the Kotak Mobile Banking App |
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Free Platinum Debit Card with exclusive benefits and complementary insurance covers
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Eligibility to apply for a #DreamDifferent Credit Card*** without any credit score check, on booking an FD of Rs 15,000 or above |
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Eligibility to get Student Loans## as per specific requirements |
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Additional Features |
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*Scan & Pay at selected in store outlets.
Personal Accident Death Insurance on Platinum Debit Card - Sum Insured Rs. 5 Lacs - Min. 2 POS/ECOM transaction in last 30 days of Min. Rs. 500 each. Advanced Sum Insured - Rs. 25 Lacs - Min. 6 POS/ECOM transactions in last 60 days of Min. Rs. 500 each.
^^Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru & Hyderabad ATMs.
**Cashback amount is for the year. Cashback subject to meeting of minimum Average Monthly Balance requirement & spends. The spends should be on domestic merchant transactions using Debit Card. Cashback will be credited in the subsequent month. Details of the same will be communicated through email & SMS. ATM Cash withdrawals are not eligible for rewards.
##Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.
***Issuance of Credit cards is at the sole discretion of Kotak Mahindra Bank Ltd. All features and benefits are subject to Credit Card Terms & Conditions. Please read the Terms & Conditions provided on the bank website www.kotak.com
W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.
Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges
The Kotak Uni Student Bank Account can be opened by resident individuals who are pursuing professional courses, between 18 to 25 years of age.
Revision in General Schedule of Fees & Charges for Savings and Salary w.e.f 1st May 2022, Click here to know more
You can open a Kotak UNI Student Bank Account digitally, from anywhere, thanks to the Video KYC feature. It involves getting on a video call with a Kotak bank executive to complete your KYC process, essentially ruling out a visit to a Kotak bank branch completely.
In the Video KYC process, you have to fill up your details online. After you fill up all the required details, the Kotak bank executive will carry out basic checks over video interaction. The agent will guide you through the entire process. Just have your original documents, a blank paper, and a blue/black pen handy. Once this Video KYC is done, you will have a fully-functional Kotak UNI Student Bank Account within 24 hours.
To open this student savings account you will need a residence proof, an identity proof, a signature proof, and a proof to ensure student status.
Once the Video KYC process is done to open the Kotak UNI Student Bank Account online, it takes less than 24 hours for the account to be activated.
While the effort has been made to provide the UNI Student Bank Account with class-leading benefits that remain extremely useful even when students take up a job post their course completion, this student savings account also ensure that students develop a strong sense of financial learning. In the future, it will lead to these students becoming individuals who have great understanding and control of their personal finance requirements.