Open Zero Balance Savings Account Online | Kotak 811
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Open Online Zero Balance Savings Account
in 5 minutes

Top Features of Kotak811 Zero Balance Account
No Maintenance Fees
Up to 4% interest per annum
Lifetime Free Credit Card
Get a Virtual Debit Card instantly

811 के बारे में जानें
#ड्रीम्सइनवाइटेड
Explore-811-Variants

हर व्यक्ति के लिए 811 बचत खाता

Are you looking to open a zero balance account online? Now, open a digital savings account using Aadhaar and PAN Card along with other details.


Kotak811 is a digital zero balance savings account that can be opened online by everyone (Resident Indian individuals only). Kotak811 Digital Savings Account lets you apply for a Zero Balance Savings Account online or an 811 Edge Digital Savings Account based on your needs.


Explore 811 Variants


Apply for Zero Balance Savings account and grow your money with up to 4% interest p.a. The digital savings account helps with regular banking activities like transferring funds, paying bills and more.


Open Zero Balance Account Online


4%* ब्याज प्रति वर्ष वाला बचत खाता और Kotak 811 पसंद करने के अन्य कारण

मदद चाहिए? हमें इस पर कॉल करें 1860 2660 811 (स्थानीय कॉल चार्ज लागू) या हमारे अक्सर पूछे जाने वाले प्रश्न देखें। अक्सर पूछे जाने वाले प्रश्न & Kotak 811 Zero Balance Account Terms and Condition

*अस्वीकरण

वर्चुअल डेबिट कार्ड

वर्चुअल डेबिट कार्ड के जरिए अपना कार्ड नंबर तुरंत पाएं & ऑनलाइन लेनदेन करना और भुगतान करना शुरू करें।

कोई रखरखाव शुल्क नहीं

खाते में कम से कम बैलेंस बनाए रखने की चिंता न करें। आपके 811 खाते में बैलेंस का रखरखाव न करने के लिए कोई शुल्क नहीं लिया जाता।

अपने बैलेंस पर ब्याज पाएं

अपने खाते के बैलेंस पर अधिकतम 4%* ब्याज प्रति वर्ष प्राप्त करें।

स्कैन करके भुगतान करें^

स्कैन करके अपनी खरीदारी के बिलों का भुगतान करने के समय, नकद या कार्ड का उपयोग & क्यों करें?

पुरस्कार विजेता सेवाएं

Kotak 811 का अनुभव पाएं और जानें कि बैंकिंग की दुनिया में इसे पुरस्कार और प्रशंसा क्यों मिली है।

Enjoy unlimited banking with zero paperwork

असीमित सुविधाओं वाला बिना किसी पेपर के बचत बैंक खाता

पूर्ण विकसित पुरस्कार विजेता 811 अनुभव पाएं - असीमित खाता वैधता और अप्रतिबंधित जमा तथा खर्च के साथ। बस अपने घर से अपना पूर्ण KYC सत्यापन पूरा करें।

Zero Balance Account



महत्वपूर्ण सुविधाएं

  1. कम से कम बैलेंस: कम से कम बैलेंस का रखरखाव न करने पर कोई शुल्क या जुर्माना नहीं। अब, बिना किसी चिंता के अपने पूरे बैलेंस को खर्च करें।
  2. वर्चुअल डेबिट कार्ड: ऑनलाइन शॉपिंग के लिए वर्चुअल डेबिट कार्ड तुरंत पाएं
  3. पैसे ट्रांसफर करें: मुफ्त में आसानी से पैसे ऑनलाइन ट्रांसफर करें
  4. नए दौर की बैंकिंग: एक सिंगल टच में अपने सभी बैंकिंग समाधान खोजें। ऐसी 180 + सुविधाएं पाएं जिससे आप बस कुछ टैप में अपने बैंकिंग लेनदेन पूरा कर सकते हैं, बिलों का भुगतान कर सकते हैं, निवेश कर सकते हैं, खरीदारी कर सकते हैं और बहुत कुछ कर सकते हैं। ऐप को दो तरीकों से प्रमाणीकरण द्वारा सुरक्षित किया गया है और इसमें आसान इंटरफेस हैं।
  5. Open a digital bank account online without any restrictions: Complete your verification through Video KYC and open a zero balance account without any restrictions.
  6. Kotak811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can instantly get a #DreamDifferent Credit Card without paying any joining & annual fees.

पूर्ण KYC सत्यापन के लाभ

How to apply Credit card during 811 account opening?

Getting a credit card is now easier and quicker. Apply for your card online without any documentation while we setup your 811 savings account.

During 811 account opening journey, give consent to check your CIBIL score and continue your account opening journey and we will check your eligibility for the card.

Basis eligibility, on the Thank you page, you can complete the credit card application by submitting your employment details.


Don’t have a CIBIL history or Low CIBIL score?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a card against Fixed deposit. You can open this account online without income proof or salary slip.

You can complete your credit card application online without any documentation. This card is against fixed deposit and you get 90% credit limit.

Why go for Credit card against fixed deposit? Get this card and use it at regular frequency and pay your dues on time. It helps you to build your CIBIL score and improve your CIBIL score. Good CIBIL score helps you get Unsecured credit card and Loans.


बिना ब्याज नकद निकासी, सभी खरीदारियों पर रिवॉर्ड, आपकी सावधि जमा राशि के 80% तक की क्रेडिट सीमा और लाइफटाइम फ्री क्रेडिट कार्ड के लाभों का मजा लें - ये सभी Kotak 811 #DreamDifferent क्रेडिट कार्ड के साथ हैं।


Disclaimers:

Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website https://www.kotak.com/en.html


Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra(East), Mumbai, Maharashtra, 400051

आज ही 811 क्लब में शामिल हों

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कोई छिपा हुआ शुल्क नहीं, केवल 5 मिनट लगते हैं।

Device

Explore Zero Balance Account Opening Online with Kotak811

Whether you are at work, home or vacation your Kotak811 Digital Savings Account is always with you.

We hope you are aware of Kotak811 zero balance online account opening process. Apply for one of the best digital bank account online. You can open an 811 Digital Savings Account in an instant, without ever stepping out of your home.


Kotak811 is a zero balance savings account. This means that you don’t have to pay any penalties for not maintaining a minimum balance. So, what are you waiting for? Open zero balance savings account online with Kotak811 and start banking with one of the best digital bank account.


Kotak811 is a digital zero balance account that you can open online. The account opening process is seamless, and barely takes a few minutes. Just keep your PAN & Aadhaar number handy to open the online savings account from the comfort of your home or office.


Online Bank Account Opening with Zero Balance


*अस्वीकरण


Providing Aadhaar is voluntary.


Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

Top 5 features of Kotak811 digital savings account:

  1. No need to maintain minimum balance in your account

  2. Get up to 4%* interest per annum on your account balance

  3. Free Virtual Debit Card and Lifetime free Credit Card (subject to eligibility)

  4. Free digital transactions like NEFT, IMPS, UPI, Pay Your Contact, Scan & Pay

  5. Round the clock account access through Internet and Mobile Banking

Open Digital Savings Account or Download Kotak811 Instant Savings Account Opening App


5 Things You Should Know About Zero Balance Savings Accounts:

  1. There are no minimum-balance commitments in a zero balance savings account. So, you can spend even the last rupee in your account without worrying about penalties.

  2. You can open a digital zero balance account online from the comfort of your home. All you need is your PAN and Aadhaar number.

  3. Earn the prevailing interest on your zero balance savings account deposits.

  4. With your zero balance account, enjoy facilities such as debit cards, cheque books, internet banking and mobile banking.

  5. Open a zero balance savings account instantly through Aadhaar OTP verification. Then, complete the full KYC process of your account through in-person verification within 180 days from account opening by visiting your nearest bank branch or booking an appointment.

Zero Balance Savings Account


IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times. If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.


Zero balance account opening online can’t be any easier. Key in your PAN and Aadhaar details and complete the VKYC to enjoy the unlimited benefits of the Kotak811 digital savings account. Get a simplified banking experience for all your financial needs. Start saving with the trust of Kotak Mahindra Bank and the multitude of features of a Kotak811 savings account. One account is all you need to take care of savings, investments, credit cards, shopping, loans, and much more.


A savings account that behaves the way you would want it to:

  1. Zero maintenance charges

  2. No hidden charges

  3. Complimentary virtual debit card

  4. Up to 4% interest p.a. on savings

  5. Credit card without credit score

  6. Free digital transactions

  7. Shop, dine, and book tickets all at one place

  8. Option to invest

  9. Apply for a loan

  10. Health and personal insurance

Now is the time to get more done with Kotak811 zero balance account. Just don’t Bank, let your money grow.


Zero Balance Account Opening Online


Choose from the various types of Kotak 811 Savings Accounts:

811 के वेरिएंट के बारे में जानें

Kotak811 FAQs

How to open Kotak 811 zero balance account online?

  1. Opening a Kotak 811 zero balance online is extremely easy and takes just a few minutes. You can opt for video KYC process and open a full-fledged savings account within a few hours!

  2. Enter your name, mobile number and email ID. Tick the check boxes if you are not a politically exposed person and you are an Indian resident.

  3. You will receive an OTP on your mobile number. Enter the OTP.

  4. As per RBI’s regulation, banks can open zero balance savings account online through Aadhaar OTP verification.

  5. Enter your PAN, Aadhaar number. You need to authorize the bank to access your Aadhaar details and biometric information for verification.

  6. Add the OTP that you have received on your Aadhaar registered mobile number.

  7. You can now see your address as per your Aadhaar records. Use this address or add another address as your communication address.

  8. Add details such as father’s and mother’s name, occupation, gender, annual income. The bank will fetch your date of birth from the Aadhaar database. You can also add nominee details.

  9. Review the details that you have added before proceeding with the Video KYC verification process.

  10. Accept the terms and conditions.

  11. In this step, you can add a different communication address.

  12. Provide location access and you will be connected to a bank agent who will carry out the video KYC process. After the video-based KYC is completed, your account will be opened within a few hours upon successful verification. The account will be a full-fledged savings account without any limitations or restrictions.

Why you should choose to open a zero balance bank account online?

  1. No minimum average balance: Make the most of the no monthly average balance maintenance requirement.

  2. Paperless account opening process: Choose the convenience of opening a zero balance account online within a few minutes - anytime, anywhere.

  3. Additional benefits: A free virtual debit card, plus cash and cheque deposits at the bank’s branch.

  4. Digital payments: Make digital payments easily using NEFT, UPI and Scan & Pay.

What is a zero balance savings account?

A zero balance savings account is a type of savings account where the Monthly Average Balance (MAB) is waived off. There is no hidden charges associated with a zero balance savings account. In a normal savings account, customers have to maintain a monthly average balance in the account at all times and if by any chance the required criteria is not met, additional fee or penalty is charged. When customers open a zero balance account, they are entitled to earn interest on the entire amount deposited in the account.Open Digital Savings Account or Download Kotak811 Instant Savings Account Opening App

Who can open zero balance account?

Every individual who is a resident of India is eligible to open a zero balance account. To open a zero balance account online, one needs to have a valid Aadhaar and PAN card. As per RBI’s regulation, banks can open savings account online through Aadhaar OTP verification.

How to open bank account online?

It is easy to open an online bank account in few minutes. You need to visit our website or download the App. Share some basic information. The entered details will be validated at our end.

The next step is to complete your KYC online or offline. Either you can book an appointment with a bank official to complete the video KYC process from the comfort of your home or visit the nearest branch to submit the KYC documents.

Online bank account opening with zero balance is quick and easy with Kotak811 Instant Savings Account Opening App.

Steps to open bank account online:

  1. Download the App or visit the website

  2. Share your name, contact number and email ID

  3. You will receive an OTP to validate your mobile number

  4. After verification, the bank will ask for your PAN and Aadhaar

  5. Enter the OTP you have received on your Aadhaar registered mobile number

  6. Accept the terms and conditions

  7. Your account is ready

What is a secured credit card?

A credit card issued against a fixed deposit is a secured credit card. It is ideal for people who are new to credit, or have a low CIBIL score.

Why is an FD needed to get a credit card?

In case, your credit score doesn't match the eligibility criteria to issue an unsecured credit card, you can still get a credit card by opening a refundable fixed deposit account with us.

What are the benefits of a secured credit card?

  1. You earn interest on the FD account

  2. Use the credit card to avail exciting reward points

  3. You can build your credit score

What are the features of a secured credit card?

  1. Interest on the FD account

  2. Availed credit limit is 90% of FD amount

  3. 2x rewards on every Rs.100 spent online

View all Kotak811 FAQs

ग्राहक की टिप्पणियां

"Kotak 811 ऐप के कारण, मैं अपनी बहन को तुरंत पैसे भेजने में सक्षम था। इससे मेरा रक्षा बंधन थोड़ा खास हो गया" -नीरव (वित्त सहायक, मुंबई)।

ग्राहक की टिप्पणियां

"मेरे जैसे युवा वित्तीय पेशेवर के लिए, Kotak 811 ऐप मुझे अपने फंड को बिना किसी जोखिम के 4% ब्याज पर सुरक्षित रखने करने का मौका देता है"। - प्रेम (निवेश बैंकर, मुंबई)

ग्राहक की टिप्पणियां

"Kotak 811 ऐप तेज और उपयोग करने में आसान है। मैंने इस ऐप से अपनी चेक बुक का अनुरोध किया और मैंने इसे 7 दिनों से भी कम समय में प्राप्त कर लिया। मैं बहुत प्रभावित हुआ और इसने सब कुछ सरल और सुलभ बनाया”। - मोहक (विज्ञापन पेशेवर, मुंबई)।

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