Kotak811 is a fully Digital Savings Account. Below are the key features of your Kotak811 account.

  • Open account instantly online
  • Earn up to 3.5%* interest p.a. on your savings account balance
  • No Minimum Balance required. Enjoy your Kotak811 Zero Balance account
  • Kotak811 Account holders can avail free funds transfer online using NEFT or IMPS or RTGS.
  • Shop online with ease using your Virtual Debit Card (VDC) or physical debit card.
  • Request for your physical debit card through Net-banking or Mobile Banking App and get it for ?235 p.a. Ensure you have adequate balance to pay for the Physical Debit Card before you request one.
  • Avail Scan and Pay** for your payments
  • Seamless handling of your Kotak811 account through Kotak Mobile Banking App


*W.e.f. May 25, 2020, interest rate on daily balances in Savings Account stands revised as follows: Daily balances above Rs. 1 lakh will earn 3.5% interest p.a. and daily balances up to Rs. 1 lakh will earn 3.50% interest p.a. The interest rates mentioned are applicable for Resident Accounts only.

In case you have opened an Kotak811 Lite account if you didn't want to use your Aadhaar or you didn't want to open savings account for receiving DBT or didn't receive Aadhaar OTP, then you need to convert your account to Full KYC account in order to get Savings account interest, virtual debit card and cheque book.

**Scan and Pay at selected store outlets

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