FAQs for Kotak 811 Zero Balance Account through Video KYC

FAQs for Kotak 811 Zero Balance Account through Video KYC

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Zero Balance Account with Kotak 811 Video KYC

Frequently Asked Questions

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 you no longer need to visit the branch to complete your KYC.

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 of your home through an online zero-contact process.

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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 only applicable to new Kotak customers. Existing Kotak 811 customers can click on this link to book their full KYC appointment or walk into the nearest bank branch with the necessary documents.

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

Thank you for your interest. However, currently, the video KYC process is only available for new customers opening a Kotak 811 account. Click on this link to book their full KYC appointment or walk into the nearest bank branch with the necessary documents.

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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 request for a Video KYC on all days between 8AM to 11PM, including Saturdays & Sundays and also bank holidays.

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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?

We apologize for the inconvenience. Video KYC service is available on all days between 8AM to 11PM, including Saturdays & Sundays, and also bank holidays. If you reached us on a working day within the mentioned hours, it is possible that your request could not be handled due to heavy traffic on our platform.

We appreciate your cooperation and 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. You can request for a Video KYC on all days between 8AM to 11PM, including Saturdays & Sundays, and also bank holidays

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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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