Zero Balance. Unlimited Benefits.

Simply use your Aadhaar and PAN to open a zero balance savings account from your phone.
Open Zero Balance Account
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    Open and use for free, digitally

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    Control your a/c from your phone

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    Shop & pay with a no-fee virtual debit card

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    Enjoy big interest rates on your savings

Less about paper, more about benefits

Complete your Full KYC with zero paperwork and unlock the limit free benefits of your Kotak811 account

No charges, all the way

Spend as you like with the freedom of your zero balance Kotak811 savings account, free of annual charges* or fines for non-maintenance of a minimum balance.

*Charges applicable only on the order of a physical debit card

One, ultimate, powerful app

Download the Kotak811 Mobile Banking App to access your zero balance account at the tap of a finger.

Download the App

Ready virtual debit card

  • Free of cost
  • Absolutely digital
  • Perfect for online payments

Great interests & earnings

Make money as you save up to 4%* interest p.a on your savings.

Make life easier. Get your 811.

Open Zero Balance Account

Ask Kotak811

Frequently Asked Questions

You are eligible for a Kotak811 account if you meet all of the below requirements:

1) You are 18 years of age or above
2) You have a valid Aadhar & PAN card 
3) You are resident of India with an Indian address
4) You have not been an old customer or are an existing customer of Kotak Mahindra Bank

To open a Kotak811 account, click here.

Submission of Aadhaar is completely voluntary.

Kotak811 savings account is a zero balance account. Hence, you do not have to maintain a minimum balance. However, Kotak811 Edge Account requires you to maintain a minimum Average Monthly Balance of Rs. 10,000.

To know about all the charges related to a Kotak811 account in detail, click here.

Aadhaar card is mandatory to open a Kotak811 savings account. Click here to check out the features of different Kotak811 a/c variants.

PAN card is mandatory to open a Kotak811 a/c. But don't worry if you don't have one.

You can apply for your PAN card here, and we'll patiently await your return.

There are four types of savings accounts under Kotak811:


  • Kotak811 Full KYC
  • Kotak811 Edge
  • Kotak811 Limited
  • Kotak811 Lite


Please click here to view an elaborate comparison of these accounts.

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