Get the Edge you’ve always wanted

811 Edge Savings Account

Upgrade to an Edge account using Aadhaar and PAN card. Unlock exclusive Edge benefits.

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811 edge savings account card
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    Upgrade and use digitally

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    Unlock a Platinum debit card

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    Enjoy premium benefits

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    Get big interest rates

₹ 10,000 in,big goodies out

  • Upgrade to an Edge account through your phone with zero paperwork.
  • Just maintain an average monthly balance of Rs.10,000 in your Edge a/c to enjoy exclusive Edge benefits.
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Earn Gift hamper with 811 edge savings account

An Edge over everything

Make truly unlimited IMPS, NEFT, RTGS transactions for free. Get 25 cheque leaves free, per quarter, on request.

savings upto


Unlimited IMPS, NEFT, RTGS with 811 Edge savings account

Perk-loaded, Platinum debit card

Brace yourself for exclusive Edge perks with the Platinum Debit Card. Fuel surcharge waivers, access to 900+ VIP airport lounges, and much more.

Unlock exclusive Edge gift with Platinum Debit Card

An app that gives you full control

Download the Kotak811 & Mobile Banking app on your phone to access your zero balance account in a jiffy.

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Kotak811 Mobile Banking App

Benefits that come with no expiry date

Enjoy a lifetime validity on your Edge account.

20% discount on your meal with 811 edge savings account
Simplify life with Kotak811 Edge savings account

Make life easier. Get your 811.

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Ask Kotak811

Frequently Asked Questions

Kotak Bank’s 811 Edge is a full service digital banking ecosystem on mobile that has been designed around the idea of simplicity and ease of use.

Customers can earn up to 4%* p.a. on their savings account balances.

811 Edge offers a completely digital and paperless account opening experience by maintaining an average monthly balance of Rs. 10,000!

Instant savings account opening with Aadhaar details

Average Monthly Balance (AMB) of Rs. 10,000/-

Earn up to 4%* interest p.a. on your saving account balance

Free Online transfers (NEFT, RTGS, IMPS) - To help you Go Cashless!

Get Platinum Chip Debit Card for only Rs.199/-Per annum.

You are eligible for a Kotak811 Edge 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


Average Monthly Balance (AMB) - Rs.10,000
Non-maintenance Charges - 6% of the shortfall in required AMB per month
Fund Transfers - NEFT / RTGS / IMPS (Through Net-banking / Mobile Banking)# Free
For NEFT: Up to 10000: 2; 10001 to 100000:4; 100001 to 200000:14; >200000:24.
For RTGS: 200001 to 500000:20; >500000:40

Yes, you must maintain an Average Monthly Balance (AMB) of Rs.10,000/- as a Kotak811 Edge Savings Account holder.

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