811 FAQ

How can I apply for an 811 passbook?

Your zero balance digital savings account does not require you to carry a passbook. You can check all your transactions online on the Kotak811 Mobile Banking App.

If you wish to have a statement of your transactions for documentation purposes, you can place a request on the Kotak Mobile Banking App and receive your statement on your registered email ID.

If you still prefer a Passbook, you can apply for it online and get it be delivered to your preferred communication address as per Bank records in 7-10 working days. Please note, only Full KYC account holders can request for a passbook. This process is applicable only for customers applying for a passbook for the first time. For second passbook onwards, please visit your nearest bank branch.

To apply for a passbook, Click Here

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What is Kotak 811?

Kotak 811 is a new age bank account offered by Kotak Mahindra Bank.

You can open a Kotak 811 account by downloading the Kotak Mobile Banking App or by visiting www.kotak.com and registering using your Aadhaar number (optional) ,PAN and other basic details. You can set up a mobile banking PIN and start using your account immediately.

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What are the features of Kotak 811?

811 is a fully loaded Digital Bank Account brought to you by Kotak Mahindra Bank. Below are the key features of your 811 account:

Interest rate: Earn up to 4%* interest p.a. on your savings account balance
No Minimum Balance: Enjoy banking with no balance commitment
Virtual Debit Card: Shop online with ease using your virtual debit card
Free funds transfer: Transfer funds online for free using NEFT or IMPS or RTGS
Physical Debit card: Request a physical card through Net-banking or Mobile Banking App and get it for Rs.299 (inclusive tax) per annum.

W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Account

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What are the account features & conditions of 811 Account?

There are 3 types of account opened under 811. Below is the feature comparison table for these accounts:

Features	Kotak811 OTP Based	Kotak811 Lite	Kotak811 Full KYC
Interest on Savings	Available*	No Interest	Available*
Cheque book	Not Available	Not Available	Available
Debit Card/Prepaid Card	Default Virtual Debit Card (Physical card on request charges applicable as per GSFC)	Virtual Prepaid Card only for online shopping.	Default Virtual Debit Card (Physical card on request charges applicable as per GSFC)

Account Restrictions	Kotak811 OTP Based	Kotak811 Lite	Kotak811 Full KYC
Total cumulative credits Allowed	Rs.2,00,000 in a year	Rs.5,000 in a calendar month & Rs 1,20,000 in a financial year	No restrictions
Maximum Balance allowed at any given point of time	Rs.1,00,000	Rs.5,000 in a calendar month	No restrictions
Time limit to complete your Full KYC	12 months	12 months	Not applicable

W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Account

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Can I hold my account jointly with another applicant?

Unfortunately, the Kotak 811 account is intended for a single user only, and cannot be held jointly.

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I got disconnected from the Kotak Mobile Banking App. How can I continue my application?

Don’t worry; we regularly back up all the information that you’ve entered. Please reopen the app, and you will be able to continue from where you left off.

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Can I save my application and continue it later

Yes, of course! All the information you’ve entered is regularly backed up to our servers. You may leave the app or close it at any point. When you return, you can resume from where you left off.

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Is my information secure?

The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.

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How do I start using the Mobile Banking App once my account is activated?

Once your account is active, you can log in to the Mobile Banking App by entering your CRN and the MPIN that you chose during the account opening process.

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I do not have a PAN. Can I still apply for a Kotak 811 account?

Unfortunately, we need your PAN to open your 811 account. If you don’t have PAN, you can apply for one using the following link and visit us again. You will be directed to a third party website once you click the link below.

https://www.onlineservices.nsdl.com/paam/endUserRegisterContact.html

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I do not have an Aadhaar number. Can I still apply for a Kotak 811 account?

Yes, you can open 811 Lite account by providing your PAN and few other details.

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Does Kotak811 have a minimum balance?

Kotak811 is a zero balance savings account and requires no minimum account balance. It is a digital savings account and can be opened online without any paperwork.

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What is a FATCA declaration and why do I need to make one?

FATCA stands for the Foreign Account Tax Compliance Act. The RBI requires us to collect a FATCA declaration from every customer who opens a savings bank account with us.

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Why do I need to add a nominee to my account?

Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.

You don’t have to add a nominee if you don’t want to – Simply select the ‘I don’t wish to add a nominee’ option while you open your Kotak 811 account. You can always change your mind and nominate an individual at a later date.

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What will be the fees & charges for 811 account?

811 is free for use in the digital world. This means -

We won’t charge you any minimum balance fees
We will give you a virtual debit card for free
We won’t charge you for any fund transfers done via our app or Net Banking

If you select one of our additional services, such as a physical debit card or a cheque book*, there may be additional charges. For detailed features and charges, please check here

* Cheque book charges are applicable only to Full KYC customers
** Not available for 811 Lite customers

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How can I withdraw cash through my 811 account?

You can use your physical debit card to withdraw cash through an ATM. If you’ve met us to verify your identity details, you can also visit a branch to withdraw cash.

The physical Debit Card will be charged at Rs. 199 + taxes per year. You’ll need to have sufficient balance in your account to order one.

In order to verify your details, you can either book an appointment through Mobile Banking App or Call our customer care on 1860 266 0811* and schedule your appointment. One of our executives will visit you to complete the in-person KYC verification. (*Local charges apply)

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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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When will I receive my Virtual Debit Card?

You’ll get your Virtual Debit Card number the moment you’ve finished opening your account.

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It’s been 10 days and I haven’t received my welcome kit. What do I do?

Kotak 811 is a digital savings account and doesn’t come with a physical welcome kit. If you’ve placed a request for a physical Debit Card and have not received it within 10 working days, please call us @ 1860 266 0811* and we’ll look into it right away. We’re really sorry about the delay.

*Local call rates apply.

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When will I receive a cheque book* for my 811 account?

Your 811 account is a digital savings account, and doesn’t come with a chequebook by default. If you’d like a cheque book, you can request one through the service request section of the Mobile Banking app.

It will be charged according to our General Schedule of Features and Charges, and we require you to complete your KYC formalities before it can be issued.
*Chequebook is only available to Full KYC customers

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How can I deposit money into my Kotak 811 account?

You can deposit money via a payment gateway using your Debit Card or Net Banking of another bank This option is available just after the account activation screen as well as on the 811 page in the Kotak Mobile Banking App.

You can also transfer money from another account through NEFT/IMPS/UPI* at any point of time. Alternatively, you can visit your nearest Kotak Mahindra Bank branch to deposit cash.
*Not applicable for 811 Lite accounts

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How much money can I deposit into my 811 account?

This depends on the type of account you have. In case you have opened an 811 account by verifying your Aadhaar through an OTP from UIDAI, then the maximum amount you can have in this account at any given point of time is Rs. 1 Lakh. You can have a cumulative credit of maximum of Rs. 2 Lakhs in this account in a Financial Year.

In case you hold 811 Lite account, then the balance at any point cannot exceed Rs. 5,000 and transactions of up to Rs. 5,000 are only allowed in a month. The cumulative credits in this account should not exceed Rs. 1,20,000 in a financial year.

To remove these restrictions, you will need to verify your KYC details within a year and convert it to a Full KYC Account. Converting to a Full KYC account will lift all your transaction limits.
Completing Full KYC is a 5 minute, quick and easy process that we will be happy to help you with.

To complete your video KYC process, click on the link* below!
https://bit.ly/VKYCWhatsapp811

*This link is for the customers who have Kotak 811 OTP/Limited Account

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I tried to deposit money into my Kotak 811 account. My bank has debited the money from my account but your app says my transaction has failed. What do I do?

Please don’t worry. The full amount will be credited back into your source bank account within 7 to 10 working days. If you need to check on the reversal with us, please contact us with the transaction reference number. In the meantime, please do try to make the transfer again. We’re really sorry about the inconvenience.

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When will the funds I transferred be available in my account?

If you’ve used a payment gateway to deposit money into your account, you will see the funds in your account within two hours subject to activation of your account and we receiving successful response from the payment aggregator. In few cases, it may take up to 2 working days to credit money into your account. If the funding was successful and you haven’t received your money within two working days, please get in touch with us with the transaction reference number.

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What is UPI? How do I use it?

UPI stands for Unified Payment Interface. It is a payment method that lets you transfer money instantly,

even between banks. You will need to enter the virtual payment address(VPA) of the bank account from which you’d like to transfer funds into your Kotak 811 account. This will create a collect request which you will need to authenticate using your UPI PIN. You unique VPA will be <MobileNumber>@Kotak’ and it is created by default during 811 account opening. For e.g. A customer’s mobile number registered with the banking during 811 account opening is 99876543210, then the default VPA is going to be: 9876543210@kotak.
(UPI transfers are not available to 811 Lite customers)

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What is VPA and how can I use it to make payments?

VPA is a Virtual Payment Address that lets you make and receive UPI payments. Think of your VPA as your banking email address. You can send money to, or request money from anyone, with just their VPA. It’s instant, free, and it doesn’t matter which bank they use.

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What is Kotak 811 Lite?

You can get an 811 Lite account in either of the below cases

You do not want to use Aadhaar for opening your account
You did not receive OTP on your Aadhaar registered no. or do not have mobile no. registered with Aadhaar

You can use your 811 Lite account to try out the features of 811. And upgrading is easy. Just schedule an appointment so one of our representatives can visit you to verify your Full KYC details. You’ll be up and running in no time! The aggregate of all credit in this account should not exceed Rs. 5,000 in a calendar month and the maximum amount you can keep in this account at any given point of time is Rs. 5,000. The validity of this account will be 12 Months and the aggregate of all credits in the account in a financial year should not exceed Rs. 1,20,000/- , unless in-person full KYC process is completed. Any credit exceeding the limits stated above will not be accepted into the account. In case full KYC is not completed within 12 months from the date of account opening no more credits will be permitted.

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Are there any restrictions on the transactions allowed for Kotak 811 Lite?

You can deposit up to Rs. 5,000 per calendar month to your 811 Lite account, and hold up to Rs. 5,000 in it at a time. The aggregate of all credits in the account in a financial year should not exceed Rs. 1,20,000/- , unless in-person full KYC process is completed. You won’t be able to have a Virtual Debit Card. In case full KYC is not completed within 12 months from the date of account opening no more credits will be permitted.

Lifting these restrictions is easy! Just schedule an appointment so one of our representatives can visit you to complete your Full KYC.

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How do I upgrade to a regular Kotak 811 account?

In order to upgrade to a regular Kotak 811 account, you will need to verify your Full KYC details. You can book an appointment through the Mobile Banking App. One of our executives will visit you to complete the Full KYC verification.

If you have a Kotak 811 OTP/ Kotak 811 Limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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What are the features of the Kotak 811 Lite account?

Your 811 Lite account can be used to shop using Kotak’s KayMall, recharge and make bill payments online, all from within our app.

811 also brings you a Virtual Prepaid Card, linked to your 811 Lite Account. You can use it to shop online, pay bills, do recharges or use ‘Scan & Pay’ to pay across lakhs of merchants across the country. If you need to check your card details - card number, expiry date and CVV - it’s easy, just log in to your Mobile Banking app after opening your 811 account and click on 811 widget.

Transaction limit of INR 5,000 and re-load limit of INR 5,000 per month and 1,20,000 per year will be applicable on your 811 Lite Account as well as your Virtual Prepaid Card.

The account doesn’t pay interest, and doesn’t come with a cheque book. You can deposit money to your account online via a payment gateway.

We’ve done everything we can to let you transact on your mobile, totally cash-free. We hope you enjoy the experience.

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What happens to my Virtual Prepaid Card after I complete Full KYC for my 811 Lite account?

Your 811 Virtual Prepaid Card will be blocked and replaced by a new Virtual Debit Card once you complete your Full KYC. The new Virtual debit card will come with higher transaction limits and you will also get an option to request for a physical card for ATM withdrawals and offline POS transactions. You can access your Virtual Debit Card from the same 811 widget present in the Mobile Banking App post login.

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Are there any limitations of this account?

This account is a zero interest account which does not comes with acheque book. You cannot use Net Banking and will only be able transact using Kotak Mobile Banking App or Virtual Prepaid Card for your transactions. You can only deposit money in to you Kotak 811 Lite account through payment gateway transactions or via IMPS/NEFT from other Bank. Please refer to the detailed charges on this account in our features and charges section.

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How do I book an appointment to convert my Kotak 811 Lite account to a full-fledged Kotak 811 savings account?

In order to upgrade to a regular Kotak 811 account, you will need to verify your details.

You can either book an appointment through Mobile Banking App or Call our customer care on 1860 266 0811* and schedule your appointment.
One of our executives will visit you to complete the in-person KYC verification.
(*Local charges apply)

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How can I convert my account to Full KYC Account?

In order to upgrade to a regular Kotak 811 account, you will need to verify your details. You can book an appointment through the Mobile Banking App.
One of our executives will visit you to complete the in-person KYC verification of your account.

If you have a Kotak 811 OTP/ Kotak 811 Limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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Will I receive a confirmation call about my appointment?

One of our customer executives will call you to confirm the time of visit and your address of visit.

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Can I reschedule the appointment?

One of our agents will call you to confirm your appointment details. If you need to, you can request that your appointment be rescheduled.

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Your customer executive missed my appointment. What do I do?

We’re really sorry about the inconvenience. We’ll speak to our executive to figure out why this happened.

One of our agents will call you back to reschedule an appointment. If you’d like to contact us before that, then please call us @ 1860 266 0811*

*Local call rates apply

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Could you explain the verification process to me?

Our customer executive will verify your details with your original PAN & address proof. We’’ll need a few more details from you.

Once this has been done, your account will be upgraded to a Full KYC account.

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Do I need to carry my Aadhaar card, PAN card or any other documents?

You need to carry your PAN and an address proof

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I cannot meet your customer executive in person. Can I still open an 811 account with you?

Yes, you can.

If you have a Kotak 811 OTP/ Kotak 811 Limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process

https://bit.ly/VKYCWhatsapp811

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What is an MPIN and why do I need to set one?

An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and access your Virtual Debit/Prepaid Card details whenever you need them.

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How do I create my MPIN?

When you use the Kotak app to create an 811 account, you’ll be able to create a 6-digit MPIN of your choice during the account opening process.

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What if I forget the MPIN? How can I create again?

Don’t worry! You can visit the Kotak Mobile Banking App and click on Forgot Password. Visit the Personal details tab and provide your details. You can then reset your MPIN.

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How do I create a PIN for my Virtual Debit Card?

You’ll need to log in to the Mobile Banking App and click on ‘Service Requests’. Under the Debit Card section, you’ll see an option to generate your PIN.
* - Unfortunately, we can’t offer Virtual Debit Card to Kotak 811 Lite customers.

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How do I set password for my Net Banking*?

You can use your Virtual Debit Card credentials to register for Net Banking. You’ll need your card number, expiry date, CVV and PIN.

* - Unfortunately, we can’t offer Net Banking to Kotak 811 Lite customers. To use our Net Banking services, please upgrade to a full-service 811 account by verifying your KYC details.

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Does my 811 Lite/ 811 Limited KYC account have a validity?

As per RBI guidelines, your Kotak 811 Lite/Limited KYC Account has a validity of 1 year, IF the KYC formalities are not completed before the completion of 1 year.

If you haven’t completed these formalities, your account will lapse/need to be closed at the end of a year (Year is calculated from the date of opening of the 811 Lite, 811 Limited KYC account).
If you have a Kotak 811 OTP/Kotak 811 Limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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How can account closure be avoided and I can continue to operate the account?

It’s easy. All you need to do is schedule an appointment to meet us once to complete your KYC formalities. One of our bank representatives will visit you at your preferred location. It will just take a few minutes to complete your KYC formalities and you can continue to enjoy uninterrupted banking on your 811 account.

To schedule an appointment, call our customer care on 1860 266 0811 (local charges apply) or visit the 811 section of your Mobile Banking App.

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If I haven’t completed my Full KYC, what happens to the account after a year?

811 Limited KYC Account: Since a Kotak 811 Limited KYC account is only valid for 1 year,

For account with no balance on due date - account will be automatically closed after the year is complete.
For account with balance - You need to provide us with account details to which the balance needs to be transferred 7 days prior to the completion of the validity of 1 year.

If you have a Kotak 811 OTP/ Kotak 811 limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.
https://bit.ly/VKYCWhatsapp811

Important: In case you have not provided bank details for transferring the balance in the account, on the due date for account closure, we will be marking total freeze in your account.

811 Lite Account: Since a Kotak 811 Lite account is only valid for 1 year, your account will be automatically closed after the year is complete if KYC has not been completed. If you have any balance in your account, credit freeze will be placed on the account and you will be allowed to utilize only the balance funds in the account.

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In case of account closure, how will the balance of my 811 account be remitted to me?

811 Limited KYC Account
We will, be able to transfer your money to you quickly and easily. You’ll need to give us your other bank account details.

Once the details are successfully entered, your account balance will be transferred to your account of choice within 7-10 working days.

In case of failure to provide the bank details, total freeze will be marked on your account, and you will not be able to access it at a branch or ATM. Post total freeze you can still access the above mentioned link and provide your bank account details.

811 Lite Account: The balance in the 811 Lite account can be utilised however you will not be able to top up the balance in the account – there will be a credit freeze in the account.

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Once my 811 account is closed, can I re-apply for another 811 account?

Unfortunately, once your 811 account is closed, you won’t be able to reactivate it or open a new 811 account. We are keen to have you as a customer again and you can walk-in to our branch or request our Bank representative to visit you and help you with starting the relationship again with Kotak Mahindra Bank.

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My question isn’t listed here

If you have any other questions speak with any of our bank representatives for assistance. You can reach our customer care centre on 1860 266 0811 (Local charges applicable).

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What is Video KYC?

Video KYC enables you to open an 811 bank account instantly wherein, after entering your details, you will have the option to get on a video call with our bank executive to complete your KYC process. The video call will ensure that you will not need to visit the branch or have an in-person appointment to complete your KYC.

If you have already opened a Kotak 811 OTP/ Kotak 811 limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

Here are the advantages of choosing Video KYC and getting your Full KYC Account:

Get the full-fledged award-winning 811 experience
First of its kind - Complete your KYC on a video call during the account opening process
No Paper work with zero-contact account opening process
Unrestricted deposits, spends and validity

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What are the different steps involved in video KYC process?

In the Video KYC process, you have to fill up your details online. After you fill up all the required details, the bank agent will carry out basic checks through video interaction. The agent will guide you through the process. Just keep your original PAN card, a blank paper and a blue/black pen handy.You will get a full-fledged bank account after the Video KYC is done.

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What are the advantages of video KYC?

The end-to-end process of getting a full-fledged bank account can be carried out from the comfort and safety of your home through a zero-contact online process.
If you have already opened a Kotak 811 OTP/ Kotak 811 limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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Is Aadhaar required for video KYC?

Yes. Aadhaar* number is required for video KYC. Your Aadhaar number will be verified through an OTP received on your registered mobile number. You don’t need to carry your physical Aadhaar Card during the Video KYC process.

In case you do not want to submit your Aadhaar details please click link and open a Kotak 811 Lite A/c.

* Submission of Aadhaar is voluntary

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Who are eligible to carry out Video KYC?

Video KYC is applicable for new Kotak 811 customers and Kotak 811 OTP/Limited Account holder. If you have already opened a Kotak 811 OTP/ Kotak 811 limited account, you can complete your KYC process online. Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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I recently opened a Kotak 811 Account. Can I do the video KYC?

Sure! If you have opened a Kotak 811 OTP/ Kotak 811 Limited account, you can complete your KYC process online. Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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What is the minimum pixel requirement of the phone to carry out the video KYC process?

There is no minimum pixel requirement. However, the video KYC process needs to be clear so that the customer executive can verify the documents and take a clear live photo.

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Can I complete the Video KYC process through a web browser?

Video KYC can be done through the video KYC link that opens in a web browser. Make sure that you are using the Google Chrome browser to carry out the video KYC process. There is no requirement for any video calling applications such as Whatsapp or Google Duo.

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Can I complete my video KYC through a Whatsapp/Skype video call?

Since video KYC is carried out through the web browser, Whatsapp/Skype is not required.

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I got a notification saying that video KYC can't be carried out on my browser. What should I do?

Video KYC can be done on Google Chrome. If you are using other browsers like Internet Explorer, Opera Mini etc., then open the video KYC link on Google Chrome.

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Why do I need to give access to my location for the video KYC process?

Providing location access will help us in ascertaining your location. According to RBI guidelines, you need to be in India to carry out the video KYC. This is for verification purpose only and will not be shared with any one.

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Why do I need to give consent for my camera and microphone?

Since it is a video verification process, the consent to use the camera and microphone is needed to proceed with the video KYC process. This is for verification purpose only and will not be shared with any one.

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I have tried carrying out the Video KYC process twice but I am not successful due to slow internet connection and video quality. What can I do?

You can open a Kotak 811 OTP/ Limited KYC Account or 811 Lite Account. Later, our bank representative will reach out to you to help you complete the full KYC process. You can also visit your nearest branch to complete the process.

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When can I carry out the video KYC process? Is it available 24*7?

You can carry out the video KYC process during a bank working day from 8 AM to 11 PM.

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I have rejected location access by mistake. What should I do?

You need to grant location access to proceed with the video KYC. Follow these steps if you have blocked the location access by mistake:

Go to Chrome settings
Click on Site Settings
Go to location
You will see a list of blocked websites
Find the Kotak website link
Under permissions, select location
Change the permission to 'allow' from 'block'

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My communication address is different from my Aadhaar address. Can I carry out the video KYC process?

Yes, you can. You can add a new communication address in the account opening journey. After adding the new communication address, you can self-verify the address by ticking the self-verification box. There is no need to provide proof of current address.

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What can lead to rejection of video KYC?

Video KYC can be rejected due to various reasons such as low video quality etc. You can try again or open a regular Kotak 811 account and the full KYC can be completed by booking an appointment.

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I am not confident in doing a video KYC. Can I still do a full KYC through a face to face verification?

Yes, you can. You can open a Kotak 811 Account through the online account opening journey and book an appointment or visit your nearest branch to complete the full KYC procedure . Click here to open an 811 account.

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No agent is available for the Video KYC. What should I do?

Sorry for the inconvenience. This could have happened due to heavy traffic on our platform. We request you to please try again on a bank working day between 8 AM to 11 PM.

Also, this can happen due to heavy traffic on our platform. We request you to please try again.

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Do I need to book an appointment for the Video KYC process?

No. You don't need to book an appointment for video KYC. The Kotak811 Video KYC timing is from 8AM to 7PM on all days, including Saturdays, Sundays and bank holidays. (Timings may vary)

If you have opened a Kotak 811 OTP/ Kotak 811 Limited account, you can complete your KYC process online! Click on the below link to complete your Video KYC process.

https://bit.ly/VKYCWhatsapp811

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Do I have to be in India to carry out the Video KYC process?

According to the Reserve Bank of India guidelines, you need to be in India to carry out the video KYC process.

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Are there any documents that I need to keep handy before going through the Video KYC process?

Please ensure that you have uninterrupted data connectivity when you are going through the Video KYC process. Please make sure that you have a blank white paper with black/blue pen available during the Video KYC process to provide your signature.

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What should I keep in mind before the Video KYC process?

Here are some of the things that you should keep in mind before starting the video call for KYC:

Please ensure that you have uninterrupted data connectivity when you are going through the Video KYC process.
Please ensure that your background is blank. Also ensure that your background is white in colour and no other person should come into the frame during the Video KYC process.
Please keep your Aadhaar number and the hard copy of your PAN Card handy during the process.
Please make sure that you have a blank white paper with black/blue pen available during the Video KYC process to provide your signature.

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Can I fill the details online and carry out the video verification process later during the working hour?

No, you need to carry the entire journey in one go.

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I have completed the Video KYC process. When will I get my account details?

After the video KYC process is completed, you will get your account details on your registered email id and mobile number within 8 hours.

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I don’t have any current address proof. Will that be an issue during Video KYC process?

There is no requirement to show your current address proof. You can enter your communication address during the 811 account opening process.

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What will happen if the Video KYC process is suspended in between?

In case the Video KYC process could not be completed, you can restart the video KYC process or if your account is open, you will receive a communication from the bank.

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Will there be any limitation on transactions if the account is opened through Video KYC process?

Once the account is opened through the Video KYC process, there are no limitations on transactions on the account

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Can I set an MPIN (Mobile PIN/App Password) for my account in the video KYC process?

You can set your MPIN after completing your Video KYC process. You will get your account details in a few hours on your registered email ID and mobile number. You can then follow these steps to set your MPIN after downloading the Kotak 811 Mobile Banking App

Open your Kotak 811 & Mobile Banking App
Click on ‘Forgot MPIN’
Fill your personal details such as your date of birth, mother’s maiden name etc
Add a new 6-digit MPIN
Confirm your new MPIN

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How can I apply for a physical debit card during the video KYC process?

You can request for a physical Debit Card after your Video KYC process has been completed. You will get your account details in a few hours on your registered email ID and mobile number. You can then follow these steps to request for a physical debit card: Log-in to the Kotak Mobile Banking App

Navigate to the ‘811’ section
Click on ’Virtual Debit Card’
Click on ‘GET ONE NOW’

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How do I close my Kotak 811 Account?

We are sorry to see you go!

Here are the steps you need to follow to close your account:

You will need to visit your nearest Kotak Mahindra Bank Branch.
Make sure you carry your original Aadhaar Card and PAN Card used during the account opening journey and a photocopy of the documents.
Request the bank official for an Account Closure form.
Fill the form and submit it with the photocopy of the documents.
After successful submission of the Account Closure form, your request will get registered.

Please be patient while we process your request. You can reach out to us at 1860 266 2666 in case of any further queries. We are always here to assist you.

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What is a digital savings account?

A digital savings account is a paperless, fast and secure a savings account that can be opened online. Digital savings account holders can avail of various banking services like instant online fund transfer, withdrawals, deposits and more.

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How do I open a Kotak 811 Digital savings account online?

Open an online savings account with Kotak Mahindra Bank in just a few steps:

Step 1: Download Kotak – 811 & Mobile Banking App or visit the ‘Apply Now’ section on top of this page.

Step 2: Add name, phone number and email ID.

Step 3: Enter OTP. Next, fill in Aadhaar and PAN Card details.

Step 4: Enter personal details and allow access to the phone’s location.

Step 5: A video call with our representative will be set up immediately.

The remaining formalities will be completed over call, and the account will then be activated immediately.

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Can I open Kotak 811 digital savings account online?

Yes, you can open a Kotak 811 digital savings account by completing video-KYC verification online. The entire process requires zero physical contact.

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What are the documents required to open a Kotak 811 digital savings account online?

All you need is your Aadhaar Card, PAN Card and few other details to open a Kotak 811 Digital Savings account.

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How much interest rate will I get for Kotak 811?

You can earn 4%* interest rate on the Kotak 811 savings account amount.

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How to choose the best savings account for me?

The best savings account should offer you benefits like high interest,-earning, zero-contact registration process, easy fund transfer facility and more. Kotak 811 digital savings account is the perfect fit for this.

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I had funds in my account however my account is closed. I was told DD was sent/dispatched but have not yet received?

We certainly didn’t want any inconvenience for you!

In the unfortunate scenario where Full KYC is not completed within 365 days of account opening, an 811 Limited account has to be closed as per regulation. However, we do proactively issue a Demand Draft (DD) in case account has any credit balance.

Looks like despite our best efforts, you may have not received the Demand Draft yet. Let’s get this sorted!

Here's what needs to be done:

1. CLICK HERE to raise a request.

2. Mention your preference on how would you like us to process it - Redispatch DD to home branch or nearest branch; or Communication address; or Transfer funds to other bank account via NEFT

3. We will check the DD status in our records and process the request as per your preference

Option 1 : Re-deliver to Home Branch/Nearest Branch – Please mention details of the branch (branch name and branch location) where the DD should be redelivered. You will receive initimation on dispatch status. Post the delivery of the DD, you may visit the branch for collection along with original PAN & Aadhar (as submitted during account opening). Turnaround time to process this request is 5 working days if the DD is valid.

Option 2 : Re-deliver to registered address – Compulsorily mention a landmark for redelivery at your registered communication address. Turnaround time to process this request is 5 working days if the DD is valid.

Option 3 : Transfer via NEFT to other bank account – Please attach a copy of your PAN and Aadhar (used during account opening) and a cancelled cheque of your existing account with the other bank where funds need to be transferred. Please note, NEFT is allowed only when the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak. Turnaround time to process a NEFT request is 7 working days when the DD has expired or needs to be cancelled to transfer funds via NEFT.

Please note:

1. Turnaround time to process redispatch requests is 5 working days if the DD is valid.
2. For re-dispatching DD to registered address, mentioning landmark is compulsory.
3. Turnaround time to process NEFT requests if the DD has expired or needs to be cancelled to transfer funds via NEFT is 7 working days.
4. NEFT is allowed only if the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak.

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I am not able to deposit DD as it has crossed validity. What should I do?

We can sort this for you. Generally, a DD is valid for 90 days. In case it is not banked within the validity period, the DD expires.

In a situation where your DD has expired, we can revalidate it basis your request and redispatch the DD or transfer funds in your other bank account via NEFT.

Here's what needs to be done:

1. CLICK HERE to raise a request.

2. Mention your preference on how would you like us to process it - Redispatch DD to home branch or nearest branch; or Communication address; or Transfer funds to other bank account via NEFT

3. We will check the DD status in our records and process the request as per your preference

Option 1: Re-deliver to Home Branch/Nearest Branch – Please mention details of the branch (branch name and branch location) where the DD should be redelivered. You will receive initimation on dispatch status. Post the delivery of the DD, you may visit the branch for collection along with original PAN & Aadhar (as submitted during account opening). Turnaround time to process this request is 5 working days.

Option 2: Re-deliver to registered address – Compulsorily mention a landmark for redelivery at your registered communication address. Turnaround time to process this request is 5 working days.

Option 3: Transfer via NEFT to other bank account – Please attach a copy of your PAN and Aadhar (used during account opening) and a cancelled cheque of your existing account with the other bank where funds need to be transferred. Please note, NEFT is possible only when the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak. Turnaround time to process a NEFT request is 7 working days when the DD has expired or needs to be cancelled to transfer funds via NEFT.

Please note:

1. Turnaround time to process redispatch requests is 5 working days if the DD is valid.
2. For re-dispatching DD to registered address, mentioning landmark is compulsory.
3. Turnaround time to process NEFT requests if the DD has expired or needs to be cancelled to transfer funds via NEFT is 7 working days.
4. NEFT is allowed only if the account holder's name in the other bank where funds need to be transferred via NEFT is the same as that in Kotak.

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Apply for a Kotak811 Savings Account

Frequently Asked Questions

How can I apply for an 811 passbook?

What is Kotak 811?

What are the features of Kotak 811?

What are the account features & conditions of 811 Account?

Can I hold my account jointly with another applicant?

I got disconnected from the Kotak Mobile Banking App. How can I continue my application?

Can I save my application and continue it later

Is my information secure?

How do I start using the Mobile Banking App once my account is activated?

I do not have a PAN. Can I still apply for a Kotak 811 account?

I do not have an Aadhaar number. Can I still apply for a Kotak 811 account?

Does Kotak811 have a minimum balance?

What is a FATCA declaration and why do I need to make one?

Why do I need to add a nominee to my account?

What will be the fees & charges for 811 account?

How can I withdraw cash through my 811 account?

How can I start a Recurring Deposit/Term Deposit?

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

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

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

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

When will I receive my Virtual Debit Card?

It’s been 10 days and I haven’t received my welcome kit. What do I do?

When will I receive a cheque book* for my 811 account?

How can I deposit money into my Kotak 811 account?

How much money can I deposit into my 811 account?

I tried to deposit money into my Kotak 811 account. My bank has debited the money from my account but your app says my transaction has failed. What do I do?

When will the funds I transferred be available in my account?

What is UPI? How do I use it?

What is VPA and how can I use it to make payments?

What is Kotak 811 Lite?

Are there any restrictions on the transactions allowed for Kotak 811 Lite?

How do I upgrade to a regular Kotak 811 account?

What are the features of the Kotak 811 Lite account?

What happens to my Virtual Prepaid Card after I complete Full KYC for my 811 Lite account?

Are there any limitations of this account?

How do I book an appointment to convert my Kotak 811 Lite account to a full-fledged Kotak 811 savings account?

How can I convert my account to Full KYC Account?

Will I receive a confirmation call about my appointment?

Can I reschedule the appointment?

Your customer executive missed my appointment. What do I do?

Could you explain the verification process to me?

Do I need to carry my Aadhaar card, PAN card or any other documents?

I cannot meet your customer executive in person. Can I still open an 811 account with you?

What is an MPIN and why do I need to set one?

How do I create my MPIN?

What if I forget the MPIN? How can I create again?

How do I create a PIN for my Virtual Debit Card?

How do I set password for my Net Banking*?

Does my 811 Lite/ 811 Limited KYC account have a validity?

How can account closure be avoided and I can continue to operate the account?

If I haven’t completed my Full KYC, what happens to the account after a year?

In case of account closure, how will the balance of my 811 account be remitted to me?

Once my 811 account is closed, can I re-apply for another 811 account?

My question isn’t listed here

What is Video KYC?

What are the different steps involved in video KYC process?

What are the advantages of video KYC?

Is Aadhaar required for video KYC?

Who are eligible to carry out Video KYC?

I recently opened a Kotak 811 Account. Can I do the video KYC?

What is the minimum pixel requirement of the phone to carry out the video KYC process?

Can I complete the Video KYC process through a web browser?

Can I complete my video KYC through a Whatsapp/Skype video call?

I got a notification saying that video KYC can't be carried out on my browser. What should I do?

Why do I need to give access to my location for the video KYC process?

Why do I need to give consent for my camera and microphone?

I have tried carrying out the Video KYC process twice but I am not successful due to slow internet connection and video quality. What can I do?

When can I carry out the video KYC process? Is it available 24*7?

I have rejected location access by mistake. What should I do?

My communication address is different from my Aadhaar address. Can I carry out the video KYC process?

What can lead to rejection of video KYC?

I am not confident in doing a video KYC. Can I still do a full KYC through a face to face verification?

No agent is available for the Video KYC. What should I do?

Do I need to book an appointment for the Video KYC process?

Do I have to be in India to carry out the Video KYC process?

Are there any documents that I need to keep handy before going through the Video KYC process?

What should I keep in mind before the Video KYC process?