We are delighted to introduce you to Kotak Mahindra Bank’s chatbot, Keya-your very own virtual assistant!

 Now, you can ask Keya questions on these topics and get your queries resolved instantly.

  • Documents required to open Kotak 811 account
  • 811 Account related questions
  • 811 Full KYC process
  • CRN related questions
  • MPIN related questions
  • Charges for 811
  • Virtual Debit Card related questions
  • Physical Debit Card related questions
  • How to fund your 811 account


So, go ahead and get your queries solved .

Here are a few examples of questions that you can ask Keya:

  • How can I book an appointment for Full KYC?
  • What is Virtual debit card?
  • How to set MPIN?
  • How to transfer money to Kotak 811 account?

Where can you find Keya?

  • On the Kotak website at
  • After logging in to Net Banking
  • After logging in to Kotak Mobile Banking App

How does Keya work?

Keya is powered by Artificial Intelligence to answer your banking queries. The more you talk, the more it learns. Keya is always improving and learning. When there are questions that it can’t answer immediately, Keya learns and updates itself  to serve you better.

So, what are you waiting for? Get all questions  about your 811 online savings account answered instantly on Keya.  





Frequently Asked Questions

How can I start a Recurring Deposit/Term Deposit?

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.

*Local call rates apply.

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How can I use Scan & Pay feature inside the Mobile Banking App?

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.

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What is a Virtual Debit Card? How do I use it?

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.

If you need to check your card details - card number, expiry date or CVV - it’s easy; just log in to your Mobile Banking App after opening your Kotak 811 account and click on the 811 widget.

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Can I have a physical Debit Card? How do I apply for one?

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.

The physical Debit Card will be charged at Rs. 299 p.a. (inclusive of taxes) You’ll need to have sufficient balance in your account to order one.
Once you’ve requested a physical Debit Card, we’ll charge the card fees to your account and your card will be delivered to you within 7 working days at the communication address you’ve registered with us.
811 physical debit card is not given to 811 Lite customers. 811 Lite customers are issued a virtual debit card once the full KYC for the account is completed. After the virtual debit card is issued, customers can follow the process mentioned above to get the physical card.

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How do I view my Virtual Debit Card in the 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 and navigate to “Virtual Debit card” tab to see the details. 

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