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2 Ways to Open Kotak 811 Account

The present age is the digital age. The digital age has made it extremely easy for individuals to do basic day to day activities from the comfort of their own home. Now, it is possible to open a savings account online. In this respect, Kotak 811 is the first online zero balance account to be introduced in India. It is a zero balance account which means that are no need to keep a minimum balance in the savings account. Plus, there is no initial deposit to open your savings account.

There are two ways to open a Kotak 811 Account. The first procedure is the instant account opening procedure while the second way is the video KYC process.

Open Kotak 811 Instantly

Step 1: Download the Kotak app or visit the Kotak website.
Step 2: Enter your full name, mobile number and email id. Click on get 811.

kotak 811

Step 3: Enter the OTP that you have received on the mobile number. Click on next.

kotak 811

Step 4: The next screen will ask for confirmation to use your Aadhaar details to open the bank account. Click Yes if you want to open a Kotak 811.

Step 5: Enter your PAN and Aadhaar Number. Click on Next.

Step 6: Accept the terms and conditions.

Step 7: Enter the OTP that was sent to your number linked to your Aadhaar number.

Step 8: Verify your Aadhaar Address details.
Step 9: Fill other details such as occupation, annual income and marital status etc. Tap on No if you are not a politically exposed person.

Step 10: Click on the tax resident status. Click on the first option if you are an Indian citizen.


Step 11: Add a nominee and Nominee’s address.
Step 12: Check your profile and accept the terms and conditions.
Step 13: As Kotak 811 is a digital account, you have to complete the full KYC process. You can book an appointment for your full KYC verification. You can add a meeting address.
Step 14: To get credit cards and loans, you can also allow Kotak to fetch your credit score.
Step 15: Set up your net banking password, mobile banking MPIN, and other PINs.
Your Kotak 811 is now ready to use. You will receive a Customer Relationship Number (CRN) which you will need to carry out further transactions.

kotak 811

You can also use your UPI address to receive and send money.
These were the steps that you can follow to open a Kotak 811 account.

Video KYC Process

The video KYC process is similar to the instant account process. In the video KYC process, you need to submit your personal details. After the online account form is completed, you are connected to a bank agent. The bank agent will verify your KYC details over video conference.

Just keep your original PAN card, blank paper & blue/black pen handy before the video-based verification.

Your account is subject to bank approval. After the approval, your bank account is opened within eight hours.

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