The Kotak811 Super Savings Account is Kotak Mahindra Bank’s digital-first savings account. You can open it from your phone with just your PAN and Aadhaar, fund it with ₹10,000, and use full banking features straight away, including UPI, transfers, bill payments and fixed or recurring deposits.
Features at a glance
| Interest rate | 3.25% a year* on your balance |
|---|---|
| Account opening | 100% online with digital KYC |
| Initial funding | ₹10,000 or more |
| Payments | UPI, IMPS/NEFT transfers, bill payments |
| Deposits | Open FDs and RDs from the app |
*Interest rates are set by Kotak Mahindra Bank and may change. Check the current rate on the bank’s site before opening.
Eligibility
| Age | 18 to 60 years |
|---|---|
| Initial funding | ₹10,000 or more |
| Residency | Indian resident with valid PAN and Aadhaar |
Documents you will need
- PAN card
- Aadhaar card, with a mobile number linked for OTP verification
How to open the account
- Tap Apply on Kotak Mahindra Bank site on this page to open the official application.
- Enter your mobile number, PAN and Aadhaar details and verify with OTP.
- Complete the digital KYC in the same session.
- Add ₹10,000 or more to activate your account and start banking.
Is it right for you?
Choose Kotak811 Super Savings if you want a full-featured savings account opened in minutes, without visiting a branch. Keep in mind that 3.25% is a modest rate, so money you won’t need for a while usually earns more in a fixed deposit, which you can open from the same app.
