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Kotak 811 Savings Account

Home Savings Account – Interest Rates 2025, Features, Types, Fees & Charges Kotak 811 Savings Account

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Updated: 17-02-2026 13:46:49 PM

Kotak Mahindra Bank offers a diverse range of Kotak811 savings accounts, designed to meet varied needs of customers. Whether you’re looking for a premium savings account, a regular online savings account, or an offline option, Kotak Mahindra Bank offers options for every customer.

Kotak 811 Savings Account Interest Rates
More Features and Benefits of Kotak 811
Eligibility Criteria for Kotak 811
Documents Required for Kotak 811 Account

Kotak 811 Savings Account Interest Rates

Kotak Mahindra Bank Balance Account Rate of Interest
Kotak811 Zero Balance Account Up to 5.50% p.a. with Active Money
2.5% p.a. (Across All Account Balances)

Note: The above-mentioned rates are updated as on 7th Jan 2026.

811 Zero Balance Digital Savings Account

811 Zero Balance Digital Savings Account provides digital and paperless banking experience with zero minimum balance requirements. Find below the primary features of Kotak811 Zero Balance Digital Savings Account:

Features:

  • Interest Rates: 2.5% p.a. Across All Account Balances / Up to Rs. 5.50% p.a. with ActiveMoney
  • No Annual charges
  • No minimum balance required
    • Virtual Debit Card
    • Minimum Paperwork: Open using your Aadhar and PAN card

    811 Zero Balance Digital Savings Account – Fees and Charges

                             Type                     Fees & Charges
    Annual Program Fees NIL
    Maintenance Charge NIL
    Average Monthly Balance Zero
    Virtual Debit Card Free
    Physical Debit Card Rs. 399
    Image Debit Card Rs. 399/year + Rs. 235 one-time image fee
    Card Replacement Fee Rs. 299
    Foreign Exchange Mark-up 3.50%
     

    ATM Charges (after free transactions)

    		 For Financial Transactions: Rs. 23 & For Non-Financial Transactions: Rs. 10 on domestic ATMs of other banks

    More Features and Benefits of Kotak 811

    Kotak811 is a full-service and digital banking network available on mobile phones. Here are some key features of this product:

    • Instant opening and activation of the account
    • Just scan and pay bills, etc.
    • Earn interest on your savings per annum
    • Auto Sweep Facility
    • Enjoy every day special offers and discounts on travel, shopping, entertainment, etc.

    Eligibility Criteria for Kotak 811

    An applicant must meet the below prerequisite to be eligible for this account:

    • An applicant who wants to open Kotak811 should be a resident of India with an Indian address
    • Age of the applicant must be 18 years or above
    • Should not been an old customer or are an existing customer of Kotak Mahindra Bank

    Documents Required for Kotak 811 Account

    Following are the essential documents that have to be submitted by the applicant to apply for the Kotak 811 digital savings account:

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