Kotak 811 launches India's first
zero-contact, video KYC
saving account.


Features of the 811 Digital Bank Account

811 is a full service digital Bank account given to you within the convenience of the app. With zero charges on non-maintenance of balance. This account gives you the flexibility to spend,  earn up to 4%* interest p.a., and save with the multiple offers we have in store

Earn up to 4%* interest p.a. on
your savings account balance 

Zero charges on non-maintenance
of balance in the account

Get the new 811 Virtual Debit
Card and use it to shop online

Transfer money online for
free and with ease

Find all your banking solutions in one single touch


Important information



6 & 12 Month EMI

Valid Till : 31 December 2020


3, 6, 9 & 12 Month EMI

Valid Till : 31 December 2020

The Mobile Store

3, 6 & 9 Month EMI

Valid Till : 31 December 2020


3, 6, 9, 12, 18 and 24 Months EMI

Valid Till : 31 December 2020


3, 6, 9 & 12 Month EMI

Valid Till : 31 December 2020


3, 6, 9 & 12 Month EMI

Valid Till : 31 December 2020


3, 6, 9 & 12 Months EMI

Valid Till : 31 December 2020

Apple Iphones

6, 9, 12, 18 & 24 Month EMI

Valid Till : 31 December 2020

Spice Hotspot

3, 6 & 9 Month EMI

Valid Till : 31 December 2020

Reliance Digital

3, 6 & 9 Month EMI

Valid Till : 31 December 2020

Banking solutions with 811

Social Updates

What's New

What's New

Revamped & ready!

Experience the all-new 811 section in your Kotak Mobile Banking App 

As the world is moving ahead, so are we. Here to make your new-age digital banking easier & simpler, we have re-structured the look of the Kotak 811 section on the Kotak Mobile banking App.

Now simply find easy - seamless banking solutions at a tap. Now you can check your account details in one tab and your Card details on the other!


Here convenience comes free of cost.

"The 811 account is amazingly handy. I can do instant and free of charge fund transfer using IMPS.”
- Pallav (Equity Research Analyst, Mumbai)

4%* means an opportunity to me.

''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)


This app makes banking requirements easy and accessible.

Kotak 811 app is fast & easy to access. I requested my cheque book & got it in less than 7 days. I was very impressed.”
- Mohak (Advertising professional, Mumbai)


* Applicable for Resident Indian Individuals only

W.e.f. May 25, 2020, interest rate on daily balances in Savings Account stands revised as follows: Daily balances above Rs. 1 lakh will earn 4% interest p.a. and daily balances up to Rs. 1 lakh will earn 3.50% interest p.a. The interest rates mentioned are applicable for Resident Accounts only.

*Kindly call on our new number: 1860 266 0811, for any queries or issues between 10.00am to 6.00pm, Monday to Saturday (except holidays). Local charges apply.


Click here to read the terms & conditions

Ready to take the next step?

Related Products

811 Edge Digital Bank Account

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  • Pay for instore purchases using Scan & Pay
  • Free online transfers (NEFT, RTGS, IMPS) to help you go cashless

Silk Woman Savings Account

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  • Get cashbacks, special offers, privileges and lifestyle benefits on Kotak Silk Debit Card spends
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Edge Savings Account

  • 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