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Everything you need to know about Kotak811

Are you looking to apply for an instant zero balance account? You can open Kotak811 savings account online instantly. Kotak811 is a zero balance savings account that individuals can open online by visiting the bank’s website or by installing the bank’s mobile banking application.

In this article, you will know everything about Kotak811 and how to apply for zero balance account.

What is Kotak811?

Kotak811 is a digital zero balance savings account. Unlike regular savings account that comes with a minimum average balance requirement, Kotak811 doesn’t have any minimum average balance. This means that you can use your money without worrying about maintaining any minimum average balance.

As it is a digital savings account, you can open the account through the bank’s website or mobile banking application.  

Who can open Kotak811 Instant savings account?

Kotak811 savings account is available for all Indian residents above 18 years of age. Non-Resident Indians and Politically Exposed Person cannot open Kotak811 Account.

Moreover, Kotak811 is meant for new to bank customers. This means that people who already have a relationship with Kotak bank as a savings account holder or loan cannot open Kotak811 Account.

Kotak811 is opened instantly through the verification of the Aadhaar OTP that is sent to the individual’s Aadhaar registered mobile number. The customer can proceed with the rest of the account opening process after the Aadhaar OTP is successfully verified. As per the regulator RBI’s directives, an individual can open one instant savings account through the Aadhaar OTP verification process.   

How to open Kotak811 online savings account instantly?

Kotak811 savings account can be opened instantly after filling the online account form available on the bank’s website and mobile banking application.

To make the process faster, keep your PAN and Aadhaar number handy.

  • Add your basic details such as your name, phone number and email address.
  • Enter your PAN and Aadhaar number.
  • Enter your personal details such as occupation, gender, annual income among others.
  • Add nominee details
  • Set Net Banking password and 6-digit mobile banking PIN.

After completing these steps, you will see your account number and customer relationship number (CRN) on the screen. You will also get an email with these details. Keep it handy for future use. You can now start using the account.

Features of Kotak811 digital savings account:

Kotak811 comes with a host of different features. Here are some of the features and benefits of the instant digital savings account:

No minimum balance requirement

Unlike other savings account, Kotak811 doesn’t have any minimum average balance i.e., it is a zero balance savings account. There are no penalties for not keeping any balance.

Instant account opening

You can open Kotak811 bank account from the comfort of your house, office or even when you are on the go. As mentioned earlier, you just need an internet connection to open the account and receive the bank account details instantly.

Minimal documentation As it is fully online account, you don’t have to submit various documents by making photocopies or uploading scanned documents. Your PAN, Aadhaar number along with few other details are needed to open the savings bank account. 

Interest Rates

Kotak811 customers receive interest rates of up to 4%* on their deposits.

Debit Card

Kotak811 offers free virtual debit card to its savings account customers. You can carry out online transactions such as making payment on online shopping sites or pay utility bills through the virtual debit card. You can also apply for a physical debit card at nominal charges. 


Kotak811 is a zero balance instant savings account. Insta 0 balance saving account is opened through Aadhaar OTP online KYC. However, you need to complete the KYC process by visiting the bank branch with the necessary documents or through biometric process to remove any limitations from the account. Make sure to complete this process within 12 months.

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