On May 27, 2022, Kotak Mahindra Bank launched the book FD via WhatsApp facility. This will allow customers to book a fixed deposit from their Kotak811 account while using the messaging application; WhatsApp, without the need to visit the bank or use internet banking.

How will it work?

Step 1: You visit the Kotak811 WhatsApp chat (Number: +91 7710811811)

Step 2: Here, you have to type in "book FD" to open a fixed deposit.

Step 3: Enter the amount for which you wish to open a fixed deposit.

Step 4: Select your tenure from a pre-defined list based on your requirements.

Step 5: An OTP will be shared on your registered mobile number, and you will have to share the same on WhatsApp for authentication.

Step 6: After confirmation, a detailed summary of the newly created FD will be shared with you. A push notification will also be triggered, specifying the status of your fixed deposit.

Click here to open a fixed deposit via WhatsApp now.

The basic requirements to open a fixed deposit via WhatsApp are:

  • A customer should have a registered number.
  • The customer should be a Full KYC 811 account holder or an 811Edge account holder.
  • Their account balance should be greater than Rs.5000.
  • The amount of FD should range between Rs.500 and Rs.50000.


The new feature will give customers the ability to open and enjoy the benefits of a fixed deposit at any time and from anywhere.

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.