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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 6%* interest p.a., and save with the multiple offers we have in store
You can get started instantly with 811 lite account. Deposit up to Rs. 10,000 per month and use it for online payments and in-app purchases on KayMall - The Kotak Online Mall. Once you complete your in-person KYC process, you can get an 811 Digital Bank Account to enjoy all the above features.
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!
* Applicable for Resident Indian Individuals only
* Earn up to 6%* p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 1 cr. Earn 5% p.a. interest on savings account balance up to Rs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 1 cr. Applicable for Resident Accounts only. Interest rates are subject to change from time to time.
*Kindly call on our new number: 1860 266 0811, for any queries or issues between 9.30am to 6.30pm, Monday to Saturday (except holidays). Local charges apply.
Click here to read the terms & conditions
You can get started instantly with 811 lite account. Deposit up to Rs. 10,000 per month and use it for online payments and in-app purchases on KayMall - The Kotak Online Mall. Once you complete your in-person KYC process, you can get an 811 Digital Bank Account to enjoy all the above features.
Kotak 811 is a new age bank account offered by Kotak Mahindra Bank.
811 is a fully loaded Digital Bank Account brought to you by Kotak Mahindra Bank. Below are the key features of your 811 account:
*Earn 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 1 crores. Earn 5% p.a. interest on savings account balance up to Rs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs 1crores. Applicable for Resident Accounts only. If you have opened 811 Lite account as you didn’t receive Aadhaar OTP then you need to convert your account to Full KYC account in order to get Savings account interest, virtual debit card and cheque book.
There are 3 types of account opened under 811. Below is the feature comparison table for these accounts:
Features |
Kotak811 OTP Based |
Kotak811 Lite |
Kotak811 Full KYC |
Interest on Savings |
Available* |
No Interest |
Available* |
Cheque book |
Not Available |
Not Available |
Available |
Debit Card/Prepaid Card |
Default Virtual Debit Card (Physical card on request charges applicable as per GSFC) |
Virtual Prepaid Card only for online shopping. |
Default Virtual Debit Card (Physical card on request charges applicable as per GSFC) |
Account Restrictions |
Kotak811 OTP Based |
Kotak811 Lite |
Kotak811 Full KYC |
Total cumulative credits Allowed |
Rs.2,00,000 in a year |
Rs.10,000 in a calendar month & Rs 1,00,000 in a financial year |
No restrictions |
Maximum Balance allowed at any given point of time |
Rs.1,00,000 |
Rs.10,000 in a calendar month |
No restrictions |
Time limit to complete your Full KYC |
12 months |
12 months |
Not applicable |
*Earn 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 1 crore. Earn 5% p.a. interest on savings account balance up to Rs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs 1 crore. Applicable for Resident Accounts only.
If you are 18 years of age or older, and are a resident of India with an Indian address, you are eligible to apply for a Kotak 811 account. To apply online, you’ll need to have your PAN and Aadhaar Number handy. Kotak 811 is available for individuals who do not have any existing relationship with Kotak Mahindra Bank.
Unfortunately, the Kotak 811 account is intended for a single user only, and cannot be held jointly.
Don’t worry; we regularly back up all the information that you’ve entered. Please reopen the app, and you will be able to continue from where you left off.
Yes, of course! All the information you’ve entered is regularly backed up to our servers. You may leave the app or close it at any point. When you return, you can resume from where you left off.
The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.
Once your account is active, you can log in to the Mobile Banking App by entering your CRN and the MPIN that you chose during the account opening process.
Unfortunately, we need your PAN to open your 811 account. If you don’t have one, you can apply for one using the following link and visit us again. You will be directed to a third party website once you click the link below.
Unfortunately, we need your Aadhaar number to open your 811 account. If you don’t have one, you can apply for one using the following link and visit us again. You will be directed to a third party website once you click the link below.
Kotak 811 Edge is a savings account which brings you the best of Kotak 811 and our regular accounts. This account requires a minimum balance of Rs. 10,000.
FATCA stands for the Foreign Account Tax Compliance Act. The RBI requires us to collect a FATCA declaration from every customer who opens a savings bank account with us.
Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.
811 is free for use in the digital world. This means -
If you select one of our additional services, such as a physical debit card or a cheque book*, there may be additional charges. For detailed features and charges, please check here
*Cheque book applicable only for Full KYC customers
You can use your physical debit card to withdraw cash through an ATM. If you’ve met us to verify your identity details, you can also visit a branch to withdraw cash.
You can start a recurring deposit or a term deposit through the Mobile Banking App or through Net Banking. Please visit the ‘Banking’ section inside the Mobile Banking App or Net Banking and click on ‘Open Recurring Deposit’ or ‘Open Term Deposit’.. These features are available to customers who have met us to verify their identity details. If you haven’t done that yet, please schedule an appointment via the Mobile Banking app, call customer care on 1860 266 0811*, or visit your nearest Kotak Mahindra Bank branch.
You can see the ‘Scan & Pay’ option inside the Mobile Banking App. You will see this under the ‘Banking’ section of the Mobile Banking App. Once you click on it, it will open the QR code reader. You need to project it on the QR code and it will read it automatically. Once the QR is successfully captured, you can punch the amount you wish to pay and the amount will be transferred instantly.
Kotak 811 brings you a Virtual Debit Card inside your Mobile Banking App. You can use it to shop online, pay bills, recharge or use ‘Scan & Pay’ at merchant outlets. 811 Debit Card is given to customers who have verified their detailed using Aadhaar OTP.
Yes, you can! You can request a physical Debit Card from the 811 widget in your Kotak Mobile Banking app.
You can log in to the Mobile Banking App using your CRN and MPIN. Once you’ve logged in, click on the 811 widget to see the details.
You’ll get your Virtual Debit Card number the moment you’ve finished opening your account.
Kotak 811 is a digital savings account and doesn’t come with a physical welcome kit. If you’ve placed a request for a physical Debit Card and have not received it within 10 working days, please call us @ 1860 266 0811* and we’ll look into it right away. We’re really sorry about the delay.
Your 811 account is a digital savings account, and doesn’t come with a chequebook by default. If you’d like a cheque book, you can request one through the service request section of the Mobile Banking app.
You can deposit money via a payment gateway using your Debit Card or Net Banking of another bank This option is available just after the account activation screen as well as on the 811 page in the Kotak Mobile Banking App.
This depends on the type of account that you have. In case you have opened 811 by verifying your Aadhaar through an OTP from UIDAI, then the maximum amount you can have in this account at any given point of time is Rs. 1 Lakh. You can have a cumulative credit of maximum of Rs. 2 Lakhs in this account in a FYIn case you hold 811 Lite account then balance at any point cannot exceed Rs. 10,000 and transactions of up to Rs. 10,000 are only allowed in a month. The cumulative credits in this account should not exceed Rs. 1 lakh in a financial year.
Please don’t worry. The full amount will be credited back into your source bank account within 7 to 10 working days. If you need to check on the reversal with us, please contact us with the transaction reference number. In the meantime, please do try to make the transfer again. We’re really sorry about the inconvenience.
You are required to fund from your own bank account only held with any other Bank.
If you’ve used a payment gateway to deposit money into your account, you will see the funds in your account within two hours subject to activation of your account and we receiving successful response from the payment aggregator. In few cases, it may take up to 2 working days to credit money into your account. If the funding was successful and you haven’t received your money within two working days, please get in touch with us with the transaction reference number.
UPI stands for Unified Payment Interface. It is a payment method that lets you transfer money instantly,
VPA is a Virtual Payment Address that lets you make and receive UPI payments. Think of your VPA as your banking email address. You can send money to, or request money from anyone, with just their VPA. It’s instant, free, and it doesn’t matter which bank they use.
Once your account is active, we’ll automatically generate a VPA for your 811 account. The default VPA for your 811 account is <your registered mobile number>@kotak*.
Not registered your mobile number with your Aadhaar number? Or haven’t received an OTP?
You can deposit up to Rs. 10,000 per calendar month to your 811 Lite account, and hold up to Rs. 10,000 in it at a time. The aggregate of all credits in the account in a financial year should not exceed Rs. 1,00,000/- , unless Biometric full KYC process is completed. You won’t be able to have a Virtual Debit Card. In case full KYC is not completed within 12 months from the date of account opening no more credits will be permitted.
In order to upgrade to a regular Kotak 811 account, you will need to verify your details. You can either book an appointment through Mobile Banking App or Call our customer care on 1860 266 0811* and schedule your appointment. Alternatively, or you can just visit your nearest Kotak Mahindra Branch to convert your account. One of our executives will simply authenticate your Aadhaar details using a biometric device, and you’ll be all set in under 5 minutes. (*Local charges apply).
Your 811 Lite account can be used to shop using Kotak’s M-Store, recharge and make bill payments online, all from within our app.
811 also brings you a Virtual Prepaid Card, linked to your 811 Lite Account. You can use it to shop online, pay bills, do recharges or use ‘Scan & Pay’ to pay across lakhs of merchants across the country. If you need to check your card details - card number, expiry date and CVV - it’s easy, just log in to your Mobile Banking app after opening your 811 account and click on 811 widget.
Transaction limit of INR 10,000 and re-load limit of INR 10,000 per month and 100,000 per year will be applicable on your 811 Lite Account as well as your Virtual Prepaid Card.
The account doesn’t pay interest, and doesn’t come with a cheque book. You can deposit money to your account online via a payment gateway.
We’ve done everything we can to let you transact on your mobile, totally cash-free. We hope you enjoy the experience.
Your 811 Virtual Prepaid Card will be blocked and replaced by a new Virtual Debit Card once you complete your Full KYC. The new Virtual debit card will come with higher transaction limits and you will also get an option to request for a physical card for ATM withdrawals and offline POS transactions. You can access your Virtual Debit Card from the same 811 widget present in the Mobile Banking App post login.
This account is a 0 interest account which does not comes with acheque book. You cannot use Net Banking and will only be able transact using Kotak Mobile Banking App or Virtual Prepaid Card for your transactions. You can only deposit money in to you Kotak 811 Lite account through payment gateway transactions or via IMPS/NEFT from other Bank. Please refer to the detailed charges on this account in our features and charges section.
In order to upgrade to a regular Kotak 811 account, you will need to verify your details.
In order to upgrade to a regular Kotak 811 account, you will need to verify your details. You can either book an appointment through Mobile Banking App or Call our customer care on 1860 266 0811* and schedule your appointment. Alternatively, or you can just visit your nearest Kotak Mahindra Branch to convert your account. One of our executives will simply authenticate your Aadhaar details using a biometric device, and you’ll be all set in under 5 minutes. (*Local charges apply)
One of our customer executives will call you to confirm the time of visit and your address of visit.
One of our agents will call you to confirm your appointment details. If you need to, you can request that your appointment be rescheduled.
We’re really sorry about the inconvenience. We’ll speak to our executive to figure out why this happened.
One of our agents will call you back to reschedule an appointment. If you’d like to contact us before that, then please call us @ 1860 266 0811*
*Local call rates apply
Our customer executive will ask you to verify your credentials by checking your fingerprints on a biometric device. We’ll need just a couple more details from you, and your final consent to release your details through biometric authentication
We aim to keep our process paper-free by using fingerprint-based authentication, and we don’t really require you to show us any documents.
In this event, we regret that we will be unable to open an account through our app. We request you to follow the normal process of filling in our account opening form which our executive will have with him. Once you’ve submitted photocopies of your KYC documents, we will process your paperwork and open your account as soon as possible.
We aim to finish the process in under 5 minutes.
Your account will be activated within 1 hour of completing the verification process.
If you can’t use the OTP-based process, we require you to verify your identity using UIDAI’s fingerprint authentication process. This means that our customer executive needs to meet you in person.
An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and access your Virtual Debit/Prepaid Card details whenever you need them.
When you use the Kotak app to create an 811 account, you’ll be able to create a 6-digit MPIN of your choice during the account opening process.
Don’t worry! You can SMS MPIN to 9971056767 from your registered mobile number and we’ll send you a link to reset your MPIN. You’ll need to enter your date of birth, your mother’s maiden name and your PAN number. We’ll send a One-Time Password to the number you’ve registered with us. You’ll need to enter this OTP, and you’ll be able to reset your MPIN.
You’ll need to log in to the Mobile Banking App and click on ‘Service Requests’. Under the Debit Card section, you’ll see an option to generate your PIN.
You can use your Virtual Debit Card credentials to register for Net Banking. You’ll need your card number, expiry date, CVV and PIN.
As per RBI guidelines, your Kotak 811 Lite/ limited KYC Account has a validity of 1 year, if the KYC formalities are not completed before the completion of 1 year. If you haven’t completed these formalities, your account will lapse/need to be closed at the end of a year (Year is calculated from the date of opening of the 811 Lite, 811 Limited KYC account).
It’s easy. All you need to do is schedule an appointment to meet us once to complete your KYC formalities. One of our bank representatives will visit you at your preferred location. It will just take a few minutes to complete your KYC formalities using Aadhaar-based biometric identification and you can continue to enjoy uninterrupted banking on your 811 account.
811 mited KYC Account: Since a Kotak 811 Limited KYC account is only valid for 1 year,
Important: In case you have not provided bank details for transferring the balance in the account, on the due date for account closure, we will be marking total freeze in your account.
811 Lite Account: Since a Kotak 811 Lite account is only valid for 1 year, your account will be automatically closed after the year is complete. If you have any balance in your account, credit freeze will be placed on the account and you will be allowed to only utilise the balance funds in the account.
811 Limited KYC Account
We will, be able to transfer your money to you quickly and easily. You’ll need to give us your other bank account details by visiting https://mao.kotak.com/accountclosure/account/
Once the details are successfully entered, your account balance will be transferred to your account of choice within 7-10 working days.
In case of failure to provide the bank details, total freeze will be marked on your account, and you will not be able to access it at a branch or ATM. Post total freeze you can still access the above mentioned link and provide your bank account details.
811 Lite Account: The balance in the 811 Lite account can be utilised however you will not be able to top up the balance in the account – there will be a credit freeze in the account.
Click on the Link below to initiate: https://mao.kotak.com/accountclosure/account/
Unfortunately, once your 811 account is closed, you won’t be able to reactivate it or open a new 811 account. We are keen to have you as a customer again and you can walk-in to our branch or request our Bank representative to visit you and help you with starting the relationship again with Kotak Mahindra Bank.
