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How my father opened his first digital bank account instantly

My father’s my hero. He taught me everything I know. He made me into the person I am today. It was just him and I but our world never felt incomplete. All through my childhood, we moved a lot which meant I was always the new kid on the block. The unfamiliarity scared me the most but he helped me overcome my fear of change.

He always said, “Well, like it or not, change is the only thing constant in our lives. It’s inevitable. The fact that it is constant makes it familiar, doesn’t it?  You can always expect change and the newer possibilities it brings with it!”

He helped me embrace the newer opportunities in life.

35 years later it was my chance to help him. Demonetization and the Digital India Movement brought with it the advent of online banking.

Not being tech savvy, he was apprehensive about this “new fad”.

I sat next to him and said, “Dad, you will now create your own bank account and I will help you. I know you have your apprehensions but on Kotak 811 you can make a zero-balance bank account in under 5 minutes and earn 6% in return! Trust me this app has made online banking easy.”

Together we opened a bank account instantly. He no longer has to walk to the bank or to the market every day.

He can now make all transactions through his mobile phone and together we embraced the change again.

-Avani Mehta


Interest Rate
6%* p.a.
( 6.5% p.a. for Senior Citizens)(Open Kotak 811 and Book an FD to earn up to 7.00% interest)
Minimum Balance
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  • You can now avail the benefits of the banking solutions with a single touch
  • Kotak 811 offers a virtual debit card (VDC) for the ease of online banking
  • Ideal for all your daily needs such as shopping, groceries, cab payments, and various others
  • Earn 7.00% interest on fixed deposits and Senior Citizens can earn upto 6.5% p.a. To know more click
Interest Rate
4% p.a.
(Balance above Rs. 50 lac)
3.5% p.a.
(Balance of below Rs. 50 lac)
Minimum Balance
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  • Get the zero balance savings account number instantly
  • A free virtual debit card for online transactions
  • Transfer funds, get account statements, pay bills, and so more –free of charge

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