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Silk Woman Savings Account - Kotak Mahindra Bank

Kotak Mahindra Bank overview

Kotak Mahindra Bank has always been a disruptive innovator in the sphere of banking in India and with the Kotak 811 App, it just reiterates that fact!

Kotak 811, through its features, is slowly transforming the way Indians bank! It embarks on a journey of an effortless, paperless and efficient way of transacting, debunking the pre-conceived notions of banking being tedious, cumbersome and complicated.

Kotak has always believed in understanding the needs of the customers and providing customized solutions (best suited to their problems) across all platforms. Which is why Kotak Bank offers its customers a wide variety of product offerings in savings account in addition to cash back and discount offers. One such product is Kotak’s Silk Account aimed to celebrate the women of our country!

Kotak’s Silk Account

Kotak Silk Account is a product by Kotak Mahindra Bank that aims to support the needs of the 21st-century women who deserve nothing less than the best.

The product also gives to its customers specially curated offers.

Kotak Silk Account interest rate is up to 6% p.a.

Silk customers can avail exclusive offers and priveledges with Kotak Silk Accounts in categories like Shopping, Travel, Electronics etc.

Why open Kotak Silk?

Kotak Silk is just the tool a woman needs to become financially independent! It helps you manage your finances easily without it being cumbersome or difficult to understand. Apart from that, customers get great offers and amazing features at their disposal.

How to open Kotak Silk?

Applying for a Women’s Saving Account with any bank at involves three simple steps:

Step 1: Go on the “Women Savings Account” Tab and compare banks before you decide on one. You can also click on the “More Info” button to make an informed decision.

Step 2: Once you’ve chosen Kotak Mahindra Bank as the bank of your choosing then click on the “Apply Now” button.

Step 3: You then get directed to Kotak Mahindra Bank’s relevant page to take further steps towards opening a Kotak Silk account

Features And Benefits of Kotak’s Silk Account

The various features that it provides its customers are as follows:

  • Get up to 6% p.a. with Kotak Silk.
  • Get a higher debit card withdrawal limit with Kotak Silk.
  • It offers a 35% discount for the first year on lockers.
  • The customers also get cash back on their spends with Kotak Silk Debit Card.
  • Silk Customers can avail exclusive offers, privileges and many more benefits with Kotak Silk debit card.
  • It also provides for updates on all your accounts in a single account statement.
  • Kotak also offers services like cash pick-up, cash delivery/ draft delivery etc. at home to its Silk customers.
  • Rewards in the form of –

a) 60 free movie tickets in a month!

b) 4500/- cashback per year on Kotak Silk debit card.

c) Cashback across categories like dining, beauty, entertainment etc.

(Minimum spend per month must be Rs.5000 Subject to maintenance of AMB for the previous month.)


To be eligible for a Women Savings Account with Kotak Mahindra Bank you need to fall into the category of Resident Indian Woman.

Category: Resident Indian Women (Sole or Joint Account)

You are eligible to open a Kotak Silk account if you are a Resident Indian Woman above the age of 18 years.

Required Documents

There are certain documents important for the KYC purposes before the account is opened.

The documents required are as follows:

Identity Proof

  • PAN Card
  • Driving License
  • Passport
  • Voter’s ID
  • Aadhaar Card

Address Proof

  • Passport
  • Driving License
  • Voter’s ID
  • Aadhaar Card
  • Utility Bill
  • Bank Statement
  • Bank Account Passbook (Updated and no more than 3 months old)

Signature Proof

  • PAN Card
  • Driving License
  • Passport

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