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Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Saving money in the Kotak 811 digital savings account can help you maximize your benefits. Kotak Mahindra Bank is India’s first new-age financial company to introduce a no-minimum balance digital savings account. Kotak 811 digital savings account is available in 2 variants, each catering to specific spending habits of customers. With zero-contact and video-KYC benefits, open a Kotak 811 digital savings account anytime, and from anywhere. Avail the best online banking solutions in just a few clicks. Open an online savings account and unlock the seamless banking with 811 Mobile Banking App. Your all-in one digital banking solution.
* Applicable for Resident Indian Individuals only
W.e.f. June 18, 2025, Earn 2.75% interest p.a. on all Savings Account balance. Applicable for Resident Accounts only. The interest rates are subject to change. Visit www.kotak.com for latest information on interest rates.
*Kindly call on our new number: 1860 266 0811, for any queries or issues between 08.00 AM to 08.00 PM (Monday to Sunday excluding Bank holidays). Local charges apply
Click here to read the terms & conditions
Zero Balance Savings Account | Fees & Charges | FAQs | 811 Variants | UPI Payments App | Kotak811 WhatsApp Bot
Business Correspondents 811 (For Full KYC Conversion)
Your zero balance digital savings account does not require you to carry a passbook. You can check all your transactions online on the Kotak811 Mobile Banking App.
If you wish to have a statement of your transactions for documentation purposes, you can place a request on the Kotak Mobile Banking App and receive your statement on your registered email ID.
If you still prefer a Passbook, you can apply for it online and get it be delivered to your preferred communication address as per Bank records in 7-10 working days. Please note, only Full KYC account holders can request for a passbook. This process is applicable only for customers applying for a passbook for the first time. For second passbook onwards, please visit your nearest bank branch.
To apply for a passbook, Click Here
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 or call customer care on 1860 266 0811*
*Local call rates apply.
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 details using Aadhaar OTP.
Yes, you can! You can request a physical Debit Card from the 811 widget in your Kotak Mobile Banking app. Just login into the Kotak Mobile Banking App and navigate to 811 section -> virtual debit card -> Get one now.
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