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811 Variants

Variant 811 Limited KYC 811 Lite 811 Full KYC Account 811 EDGE
How to Open Install 811 App/Website Install 811 App/Website Install 811 App/Website Install 811 App /Website/ Visit your nearest branch
AMB requirement (Rs.) Zero Zero Zero 10,000/-
Physical Debit Card Rs. 299 p.a. (inclusive of taxes) NA Rs. 299 p.a. (inclusive of taxes) Platinum Debit card- Rs. 299 p.a. (inclusive of taxes)
Virtual Debit Card Free NA Free NA
Type Mobile/Website Mobile/Website Available on Mobile/Website/ Branches Available on Mobile & Branches
Cumulative credits allowed Rs. 2,00,000 in a F.Y Rs. 5,000 in a calendar month & Rs. 1,20,000 in a F.Y No Restrictions No Restrictions
Online transactions IMPS & NEFT Free Outward Funds transfer not available IMPS, NEFT & RTGS Free IMPS, NEFT & RTGS Free
Cheques NA NA On request By default
Validity from the date of opening 12 months 12 months NA NA
Interest paid 4%* NA 4%* 4%*
Features Deposits Cash Yes Yes Yes Yes
Cheques Yes No Yes Yes
Withdrawal Cash No No Yes Yes
Cheque No No Yes Yes

Check your eligibility for the 811 Savings Account.


Frequently Asked Questions

How can I start a Recurring Deposit/Term Deposit?

You can start a recurring deposit or a term deposit through the Mobile Banking App or through Net Banking. Please visit the ‘Banking’ section inside the Mobile Banking App or Net Banking and click on ‘Open Recurring Deposit’ or ‘Open Term Deposit’.. These features are available to customers who have met us to verify their identity details. If you haven’t done that yet, please schedule an appointment via the Mobile Banking app or call customer care on 1860 266 0811*
*Local call rates apply.

*Local call rates apply.

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How can I use Scan & Pay feature inside the Mobile Banking App?

You can see the ‘Scan & Pay’ option inside the Mobile Banking App. You will see this under the ‘Banking’ section of the Mobile Banking App. Once you click on it, it will open the QR code reader. You need to project it on the QR code and it will read it automatically. Once the QR is successfully captured, you can punch the amount you wish to pay and the amount will be transferred instantly.

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What is a Virtual Debit Card? How do I use it?

Kotak 811 brings you a Virtual Debit Card inside your Mobile Banking App. You can use it to shop online, pay bills, recharge or use ‘Scan & Pay’ at merchant outlets. 811 Debit Card is given to customers who have verified their details using Aadhaar OTP.

If you need to check your card details - card number, expiry date or CVV - it’s easy; just log in to your Mobile Banking App after opening your Kotak 811 account and click on the 811 widget.

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Can I have a physical Debit Card? How do I apply for one?

Yes, you can! You can request a physical Debit Card from the 811 widget in your Kotak Mobile Banking app. Just login into the Kotak Mobile Banking App and navigate to 811 section -> virtual debit card -> Get one now.

The physical Debit Card will be charged at Rs. 299 p.a. (inclusive of taxes) You’ll need to have sufficient balance in your account to order one.
Once you’ve requested a physical Debit Card, we’ll charge the card fees to your account and your card will be delivered to you within 7 working days at the communication address you’ve registered with us.
811 physical debit card is not given to 811 Lite customers. 811 Lite customers are issued a virtual debit card once the full KYC for the account is completed. After the virtual debit card is issued, customers can follow the process mentioned above to get the physical card.

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How do I view my Virtual Debit Card in the Mobile Banking App?

You can log in to the Mobile Banking App using your CRN and MPIN. Once you’ve logged in, click on the 811 widget and navigate to “Virtual Debit card” tab to see the details. 

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