Kotak 811 Digital Savings Account
Mobile Banking
Mobile Banking

Kotak 811 is a digital banking initiative of Kotak Mahindra Bank that offers a zero balance savings account with zero charges for all digital transactions. Only you need Aadhaar and PAN Card to open and operate the 811 account.


  1. Maximum amount to be deposited: 1 Lakh only.
  2. Maximum amount to be credited: 2 Lakhs and post which you will need to convert to Full KYC account.
  3. Validity: The validity of this account will be 1 year, within which you will need to convert this account to a Full KYC Account.

After converting to a Full KYC account, the transaction limits from your account will also remove.

READ MORE: Difference Between Normal Saving A/C v/s Kotak 811 Digital Saving A/C

How to open Kotak 811?

First, you have to download Kotak 811 app from Google Play Store to open Kotak 811 digital saving account. After downloading & installing the app, follow the following steps to create your Saving A/C on 811:

  1. Fill details such as your name & mobile number.
  2. Now, enter One Time Password (OTP) that has been sent to your Aadhaar registered mobile number & tap on continue.
  3. Enter your Aadhaar number & tap on continue.
    Enter Aadhaar Number
    Enter Aadhaar Number
  4. Fill the details such as gender, Date of Birth (DoB), correctly & tap on continue.
  5. Fill your current address, pin code details & tap on continue.
  6. Enter PAN Card number, declare FATCA declaration, Occupation, annual income & tap on continue.
    Kotak 811
    Enter PAN Card, FATCA declaration, Occupation & Annual Income
  7. Enter again few details such as marital status, mother’s name, father’s name and email ID & & tap on continue.
  8. Now, fix your “Schedule an appointment” with Bank’s executive & tap on continue. (Take Screen Shots and Save the information given by app).
  9. Final Step: Set your 6-digit Mobile Banking PIN (M-PIN) & tap on continue.
  10. Your a/c number, Customer Relationship Number (CRN), IFSC code will be generated. (Take Screen Shots and Save them).
  11. Now, with Kotak 811 you’re a/c has opened. (Take Screen Shots and Save them).
  12. Now you can login with your Customer Relationship Number (CRN) & M-PIN.

Points to Remember:

  • Earn 6% p.a. interest on savings account balance over 1 lakh and up to 5 crores.
  • Earn 5% p.a. interest on savings account balance up to 1 lakh and 5.5% p.a. interest on savings account balance above 5 crores. Applicable for Resident Accounts only.
Kotak 811
Kotak 811
Megha Jain

Engg & Freelance Author

Straight forward