Kotak 811 savings account

Open Zero Balance Saving Account

Interest Rate

6 %

Minimum Balance


Acc. Opening Charges


About Kotak 811 savings account

Interest on Savings Account balance are as follows: 6% p.a. over Rs. 1 lakh and up to Rs. 10 lakhs 4% p.a. up to Rs. 1 lakh 5.5% p.a. over Rs. 10 lakhs and up to Rs. 5 crores 5.25% p.a. above Rs. 5 crores. (Applicable for Resident Accounts only) The interest rates are subject to change.

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 on savings a/c balance over INR 1 lakh and up to INR 1 cr
  • Earn 4.50% p.a interest on savings account balance up to INR 1 lakh and 5.5% p.a interest on savings a/c balance above INR 1 cr.(Applicable for resident accounts only)
  • Shop Travel Movies (have it all in one app)

Offers & Discounts

  • 3, 6, 9, 6, 9, 12, 18 and 24 Months EMI options on FLIPKART
  • Offer Period: Valid Till 31 December 2020
  • All Kotak Mahindra Bank Limited ("Bank") Credit Cardholders ("Cardholders") have the option to purchase products from Flipkart on Equated Monthly Installment ("EMI") by using their Kotak Credit Card
Customer Care Number

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


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.

More Details:
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.


Account Opening Charges - Zero

49 Reviews.

Meena Kapoor

"One of the best zero balance saving account in India."

Deepika Rana

"Kotak811 offers great service and account opening process is also completely online."

Micky Arora

"Good interest rate."


"Best saving account"

Ankit Ramola

"Nice account"

nishit canara

"Good service"


"Excellent service from kotak mahindra on saving accounts"

Shikha Prakash

"They respond on time with queries, excellent experience."

Swati Singh

"Very easy application process, good response on mobile."

Anil Gaba

"Good Saving Account"

Rama Rao

"Best account amongst the zero balance accounts avaliable."

Vishi Reja

"Best interest rate, instant digital account opening process."

Srinivasan Reddy K

"good account for savings. interst rate nice"

satpal chowdary

"fast sarvice and fast mony trnsfr"

Preeti Bansal

"Creditkaro- Lovely website and presentation. Kotak811- Quick install and account open. Ease of access and seamless service."

Vijyetha V Vijayana

"Great service by Kotak in Bangalore. Debit card delivered next day."

L Purushottam

"quckly service fr fast money trnsfr"

Rajesh verma

"Kotak 811 is offering the best interest in the market! This is one of the best savings accounts out there."

Karan sharma

"I have opened an account for the first time with kotak 811, i love the experiece till now. Better interest rates, better facilities and what not!"

Arun Tiyagi

"Kotak 811 is one of the best options in the market right now!"

Rashid ahmed

"It is so easy and quick. No minimum balance requirement, zero account opening fee. Everything you need in a savings account."


"Zero acc.opening charges!"

R.s Aggarwal

"Savings like never before!"

Aastha Sharma

"No minimum balance!"

Arshiya Zubair

"Good interest rate"

Rohan chatterjee

"Upto 6% interest rate"

Priyali chatterjee

"I love the features of this account!"

Abhishek pal

"I have never experienced better."

Dilip Adhikari

"Kotak has the best saving account"

Aaditya Adhikari

"Minimum balance is zero."


"Thanks for providing these services..!!"


"Happy to choose this"


"Best Features.!!"


"low-interest rate is the best"


"Best Saving Account to Open for free"

Adil Khan

"good zero balance saving account, offers great value."

Israr Khan

"Ac..nambar 0715360185"


"Good work"

Ankita Gupta

"Best interest rate and instant digital account good account for savings."

Vikash kumar

"Fabulous website and app Kotak811- Quick install."

Vinaj kishore

"Kotak 811 is one of the best options for savings account."

Ashuthose saurav

"Best zero balance savings account."

Rahul kumar mishra

"Interest rate up to 6% nice!"

Priya prakash

"Wow! Kotak 811 app is easy to intstall and quick service."

Anil Kumar

"Kotak 811 app not work properly sometime but still I had gud experience by using kotak811 nd easy to operate."

Jenish patel

"Kotak zero balance Saving account is amazing and easy."

Tushar Lakhmani

"Feeling very happy to used Kotak 811 app."

Shyam Sundar

"They solved my problem . Tq for solving it."

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