We are half cross today 2025 Every one need Saving Bank Account & with Zero Balance Bank Account Kotak 811 is a zero balance digital savings account offered by Kotak Mahindra Bank, designed to be opened online within minutes, without visiting a branch.
It is India’s first full-service digital savings account — launched to simplify banking through mobile and internet banking.
"Kotak 811 — Bank anytime, anywhere with zero paperwork."
Key Features of Kotak 811 Account
| Feature | Details |
|---|---|
| Zero Balance Account | No minimum balance required |
| Instant Account Opening | Open account online using Aadhaar & PAN in minutes |
| Interest Rate | Up to 3.50% p.a. on savings balance (as of 2025) |
| Virtual Debit Card | Free virtual debit card for online shopping |
| Physical Debit Card | Available on request (with nominal charges) |
| Free Online Banking | Net Banking, Mobile Banking, UPI, Bill Payments |
| Video KYC | Complete full KYC from home via video call |
| International Transactions | Enabled on request (for debit card & UPI) |
Eligibility Criteria
- Indian Resident (18 years & above)
- Valid Aadhaar Card linked with mobile number
- Valid PAN Card
How to Open Kotak 811 Account — Step by Step (2025)
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Download Kotak Mahindra Bank App or visit www.kotak.com
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Select Open Kotak 811 Account
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Enter Mobile Number and verify with OTP
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Fill in Name, PAN, Aadhaar details
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Complete Video KYC with valid ID proof (done within 10 min)
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Account will be activated instantly with account number & IFSC
Types of Kotak 811 Accounts
| Account Type | Features |
|---|---|
| Kotak 811 Lite | Limited KYC, validity 12 months, max balance ₹1 lakh |
| Kotak 811 Full KYC | Unlimited balance, full banking services |
| Kotak 811 Edge | Minimum balance ₹10,000, additional benefits (like cheque book, rewards) |
Benefits of Kotak 811
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No branch visits — 100% digital
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Free UPI, NEFT, IMPS, RTGS transfers
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Easy investment options — FD, RD, Mutual Funds, SIP
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Free credit score monitoring
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Contactless payments with Tap & Pay debit card
⚠️ Charges (as of 2025)
| Service | Charges |
|---|---|
| Zero Balance Maintenance | ₹0 |
| Virtual Debit Card | Free |
| Physical Debit Card | ₹199/year (approx) |
| NEFT/IMPS/UPI | Free |
| ATM withdrawals (other bank) | ₹21 after 3 free txns/month |
(Always confirm latest charges on kotak.com before applying)
Click here & Open your Saving❓ FAQs — Quick Answers
Is Kotak 811 safe?
✅ Yes, it's RBI-approved & fully regulated under Kotak Mahindra Bank
Can I upgrade to full KYC later?
✅ Yes, via Video KYC or branch visit
Can I open FD/RD with Kotak 811?
✅ Yes, directly from app/website
Does Kotak 811 offer cheque book?
✅ Only with Full KYC or Kotak 811 Edge account
Summary — Why choose Kotak 811?
✔️ Zero Balance freedom
✔️ Instant Online Account
✔️ Smart banking on mobile
✔️ Attractive interest & features
Click here & Open your Saving"If you want simple, smart, and zero-balance banking — Kotak 811 is a perfect choice."
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