Kotak 811 Saving Account

Account Opening Charges


Minimum Balance


Interest Rate

6 %

Debit Card

  • Card is no more plastic with Kotak 811
  • Get a virtual card and shrunk to fit in your mobile.
  • Pay bills faster with just few taps.
  • Just scan and pay for your shopping, groceries, home deliveries and more.

Product Features

  • Zero Minimum Balance Savings Account (no charges for not maintaining balance)
  • Up to 6 % Interest Rate Per Annum
  • Shop Travel Movies (have it all in one app)

Offers & Discounts

  • 10% off on Big Basket every Wednesday on a minimum purchase of INR 1500(valid 27th march 2019)
  • With Kotak 811 account, buy 1 ticket & Get 1 Free for all Saturday movie shows on PVR Cinemas(valid 31st march 2019)
  • Every monday, get 5 % instant discount/cashback at Reliance digital stores( valid 25th march 2019)
Kotak Mahindra Group is one of the leading financial services company in India, Bank has around 1348 branches and 2051 ATM’s spread across 675 locations in India. Bank caters to both retail and corporate customers across urban and rural India. Kotak 811 savings account is one of the best savings account in India with up to 6 percent interest rate and no minimum balance savings account.

Upto 1 Lakh, you will get interest rate of 5 %

Above 1 Lakh and upto 1 Crores the applicable interest rate would be 6 %

Above 1 Crores, the applicable interest rate would be 5.5 %

With high interest rate of upto 6 % per annum and zero balance facility. Allows you to transfer money online for free i.e. NEFT, IMPS and RTGS. Virtual Visa Debit Card gives you the power to shop online and pay via Scan and pay facility at merchant outlets.

If your Full KYC is not done your can still keep Rs. 1 Lakh into your account and can credit Rs. 2 Lakhs maximum. But after exceeding Rs. 2 Lakhs you will have to get your Full KYC done.

Don't worry it's a simple process which needs Kotak Mahindra Bank representative to meet you in-person for verification and your account will be converted into Full KYC Account in minutes. To get this done you can always fix up an appointment with bank representative and they will help you convert your account swiftly with maximum benefits.

Use of Aadhaar is voluntary to start banking with Kotak 811 instantly.

Prefer not to use Aadhaar? That works too, just drop by to the nearest Kotak Mahindra Bank branch to open your Bank account.

Contact Number: 1860 266 0811 (Monday to Saturday between 9:30 am to 6:30 pm)