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Kotak 811 launches India's first zero-contact, video KYC savings account.
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For Kotak Bank Customers
For Kotak811 Customers
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
Check the documents required for opening 811 Savings Account.
For General Schedule of Features and charges for 811 Savings account with effect from 1st October 2025 - Click here
| Particulars | Kotak 811 Limited KYC | Kotak 811 Lite | Kotak 811 Full KYC Account (Classic Account) | |
|---|---|---|---|---|
| Average monthly Balance | Zero | Zero | Zero | |
| Non-maintenance Charges | Charges for Non-maintenance of minimum monthly average balance | Nil | Nil | Nil |
| Funds Transfer | NEFT/ RTGS / Funds Transfers / IMPS (Through Net / Mobile Banking)# | NEFT / IMPS: Nil Charges; (RTGS: Not available) | Outward Funds transfer is not available | NEFT / RTGS / IMPS: Nil Charges |
| NEFT / RTGS done through Branch | Not available | Not available | For NEFT: Up to Rs.10000: Rs.2; Rs.10001 to Rs.100000: Rs.4; Rs.100001 to Rs.200000: Rs.14; > Rs.200001: Rs.24. For RTGS: Rs.200000 to Rs.500000: Rs.20; > Rs.500001: Rs.40 |
|
| Cash Transactions At Branch | Cash Transactions at Branch / Cash Deposit Machine(Deposit or Withdrawal) | Nil Charges for 1 transaction or 10,000 / month, whichever is earlier. Post these limits, charged at Rs.5/- per Rs. 1000/- (Minimum Rs.150) (Cash Withdrawal: Not available) |
Nil Charges for 1 transaction or 10,000 / month, whichever is earlier. Post these limits, charged at Rs.5/- per Rs. 1000/- (Minimum Rs.150) (Cash Withdrawal: Not available) |
Nil Charges for 1 transaction or Rs.10,000/month, whichever is earlier. Post these limits, charged at Rs.5/- per Rs.1,000/- (Minimum Rs.150) |
| Virtual Debit Card | Issuance Fee | First issuance free, post which Rs.49 /issuance |
Virtual Prepaid Card with Nil Charges | First issuance free, post which Rs.49 /issuance |
| Renewal/Annual Fee | Nil Charges | Virtual Prepaid Card with Nil Charges | Nil Charges | |
| Debit Card / ATM Charges | Issuance/Annual Fees for Physical Debit Card (available on request) | Refer below table for detailed fees on Debit card | Not available | Refer below table for detailed fees on Debit card |
| Image Debit Card Issuance(available on request only) | One time image cost as per image selection + Rs.399 / year (inclusive of taxes) | Not available | One time image cost as per image selection + Rs.399 / year (inclusive of taxes) |
|
| Kotak Bank's ATM – Financial Transaction/ Non-Financial Transaction* | Refer below table for card wise free limits. Beyond free limits the charges will be as follows: Financial txn: Rs.23 / txn Non-Financial txn: Rs.10/txn |
Not available | Refer below table for card wise free limits. Beyond free limits the charges will be as follows: Financial txn: Rs.23 / txn Non-Financial txn: Rs.10/txn |
|
| Other Domestic ATMS – Financial Transaction / Non-Financial Transaction## | Not available | |||
| Financial Transaction / Non-Financial Transaction at International ATM + | Rs.150 / Txn. for Financial transactions and Rs.25 / Txn for non-Financial transactions | Not available | Rs.150/Txn. for Financial transactions and Rs.25 /Txn for non-Financial transactions | |
| Transactions declined at merchant outlets/websites/ATMs, due to insufficient balance(w.e.f April 1,2019) | Rs.25 / Instance | Not available | Rs.25 / Instance | |
| DD / Pay order / Cheque book | DD / Pay Order | Not available | Not available | Rs.4/- per Rs.1000/- (Min Rs.50 Max Rs.10000) For senior citizens Rs. 3/- per Rs.1000/- |
| FCY – DD / TT/ Cheque Collection / Revalidation/ Cancellation / FCY Cheque Deposited and Return |
Not available | Not available | Rs.500 | |
| At-par Cheque Book Charges | Not available | Not available | Chargeable Rs.5/ cheque leaf (available on request) | |
| ECS / Cheque Issued & Returned (due to non-availability of funds) | Not available | Not available | Rs.500 / instance | |
| Cheque Issued & Returned Fee for Non- Financial Reasons | Nil | Nil | Rs.50 per instance | |
| ECS Mandate Verification | Not available | Not available | Rs.50 / instance | |
| SI Failure | Not available | Not available | Rs.100 | |
| Cheque deposited and returned | Not available | Not available | Rs.200 | |
| Branch Requests | Duplicate Ad-hoc statement, , Duplicate Passbook, TDS Certificate through Branch or any other Record Retrieval, Stop Payment - Single / Range of cheque thru branch; DD Revalidation; PO / BC Revalidation/ Cancellation ; Annual Combined Statement-Physical; Monthly Physical Statement |
Not available | Not available | Rs.100 / Request For Senior Citizens: DD Cancellation Charges - NIL, Other mentioned services except Foreign Inward Remittance Certificate (FIRC) - Rs 75/ request, FIRC - Rs 100/ request |
| Balance & Interest Statement, Regeneration of PIN of Net Banking / Phone Banking (sent through courier) | Nil | Nil | Nil | |
| Statements & Alerts | Statements | Email statement @ nil charges Physical statement @ 100 / Request | Email statement @ nil charges Physical statement @ 100 / Request | Email statement @ nil charges Physical statement @ 100 / Request |
| Balances and Transaction & Value added alerts (Daily/ Weekly) | 50 p. per SMS (Daily/ Weekly) | 50 p. per SMS (Daily/ Weekly) | 50 p. per SMS (Daily/ Weekly) | |
| Home Banking Service | Cash** / Instrument Pick Up / Delivery (Not Valid for Ahmedabad & Kolkata | Not available | Not available | Nil |
| Complimentary Services | Passbook | Nil (Courier Charges Applicable : Rs 35) | Not available | Nil (Courier Charges Applicable : Rs 35) |
| Current Year Balance and interest statement, Signature Verification Certificate, Photo Attestation and Address Confirmation | Nil | Not available | Nil | |
| Forex Card | Issuance Fee | Not available | Not available | Rs.250 (exclusive of GST) |
| Reload Fee | Not available | Not available | Rs.75 (exclusive of GST) | |
| Other Charges | (Temporary Over Draft)TOD | Not available | Not available | Rs.500 |
| Cheque purchase | Not available | Not available | Cheque Purchase Charges: 0.5 /1000 (Min 50; Max 10000) | |
| Request for PIN generation / re- generation (sent through courier) |
Nil | Nil | Nil | |
| Card Type & First 6 Digits of Debit Card | Free Domestic ATM Transaction Limits | Charges beyond the free limits |
|---|---|---|
| DreamDifferent Debit Card (Card no. starts with: {459453}) | Kotak ATM: 5 transactions Non Kotak ATM: 3 (Metro) or 5 (Non-metro) transactions (Financial or non-financial transactions) |
Financial transaction: Rs.23/txn Non-financial transaction: Rs.10/txn |
| 811 Super Debit Card (Card no. starts with: {428091}) | Kotak ATM: 10 transactions Non Kotak ATM: 3 (Metro) or 5 (Non-metro) transactions (Financial or non-financial transactions) |
|
| 811 PVR Debit Card (Card no. starts with: {483086}) | Kotak ATM: 20 financial transactions Non Kotak ATM: 20 transactions (Financial or Non-Financial) Overall Free Limit: 20 transactions |
|
| 811 Infinity Metal Debit Card (Card no. starts with: {40658480}) | Kotak ATM: 20 financial transactions Non Kotak ATM: 20 transactions (Financial or Non-Financial) Overall Free Limit: 20 transactions |
|
| 811 Platinum Debit Card (Card no. starts with: {40658435}) | Kotak ATM: 15 financial transactions Non Kotak ATM: 15 transactions (Financial or Non-Financial) Overall Free Limit: 15 transactions |
|
| All other card types | Kotak ATM: 10 transactions Non Kotak ATM: 3 (Metro) or 5 (Non-metro) transactions (Financial or non-financial transactions) |
|
| Debit Card Annual Charges | ||
|---|---|---|
| Debit Card Type | Issuance / Annual/Renewal | Replacement |
| 811 Dream different Classic debit Card | Rs. 399 | Rs.299 |
| 811 Super Platinum Debit Card | Rs.399 | Rs.299 |
| PVR Rewards platinum Debit Card | Rs.588.82 | Rs.236 |
| 811 platinum debit card | Rs.799 | Rs.299 |
| GoQii Wearable Debit Card | Issuance : Rs.3499 Annual: Rs.305.62 | Rs.885 |
| 811 Infinity Metal Debit Card | Issuance : Rs.4999 Annual fees without 811 Super: Rs.1999 |
Rs.4999 |
| All other VISA Classic & Platinum Cards | Click here to view the details | |
| *All charges mentioned above are inclusive of GST. Annual charges for the following debit cards will be waived for customers holding the 811 Super Savings Account: 811 Dream Different Debit Card ,811 Super Platinum Debit Card and 811 Infinity Metal Debit Card. | ||
| Any purchase / sale of foreign exchange will attract Goods and service tax (GST) on the gross amount of currency exchanged as per goods and Service Tax (GST) on Foreign Currency Conversion Charges (FCY) table below. Value to purchase or sale of Foreign Currency Goods and Service Tax Amount (GST) w.e.f. June 01, 2016 | |
|---|---|
| Value to purchase or sale of Foreign Currency | Goods and Service Tax (GST) Amount w.e.f. June 01, 2016 |
| Up to Rs. 1,00,000 | 1% of the gross amount of currency exchange or minimum of Rs. 250/- |
| Above Rs. 1,00,000 to Rs.10,00,000 | 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000. |
| Above Rs. 10,00,000 | Rs. 5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs. 60,000/- |
| Outward Remittances - Individual | Standard Charges |
| Telegraphic Transfer Charges (other than payment for imports) | Rs.1250 + Tax |
| Correspondent Bank Charges (Outward remittance wherein the foreign bank charges are paid by remitter) | Rs.1000 + Tax |
| Issue of FCY DD's | Rs.750 + Tax |
| Commission in lieu of exchange (in case of debit from EEFC/RFC/SFC account) | 0.125 %; minimum Rs.1000 +Tax |
| The revised GST slabs are as below : | |
|---|---|
| Value of purchase or sale of Foreign Currency | Value on which GST rate will be applicable |
| Up to 1,00,000 | 1% of the gross amount of currency exchanges or minimum of Rs.250/- |
| Above Rs.1,00,000/- to Rs.10,00,000/- | 1000 + 0.50% of the gross amount of currency exchanged less 1,00,000. |
| Above Rs.10,00,000/- | Rs.5500/- + 0.10% of the gross amount of currency exchanges lessRs.10,00,000 subject to maximum of Rs.60,000/- |
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.
