Kotak Mahindra Bank

Kotak 811 Digital Savings Account

Zero BalanceZero balance

Interest rate2.5%
Minimum balanceZero balance
Debit card feeVirtual card free; physical ₹299 a year

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Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

At a Glance

Interest rate: 2.5%
Minimum balance: Zero balance
Debit card fee: Virtual card free; physical ₹299 a year
Type: Zero Balance
Mobile banking: Yes
UPI: Yes
Offered by: Kotak Mahindra Bank

What you get

Zero-balance digital savings account opened online with Aadhaar or video KYC, paying 2.5% p.a., with a free virtual debit card.

Fees and charges

Physical debit card ₹299 a year (incl. taxes).

Who can apply

Resident Indian individuals.

Documents you will need

Aadhaar OTP e-KYC or video KYC.

Common Questions

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Kotak Mahindra Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Kotak 811 Digital Savings AccountInterest rate: 2.5%

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Savings and Banking

Guides in Plain Words

Short reads that explain how it works before you decide.

All Savings and Banking guides

Savings and Banking3 Oct 2026 · 6 min readZero Balance vs Regular Savings Account: Which One Should You Open?A zero balance account never charges you for a low balance. A regular one often comes with more, and with a minimum you have to keep. Here is what each really gives you, what RBI guarantees on a basic account, and how to choose.Read the guide →

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

Reads bank SMS No account linking, no passwords.

Sorts every rupee Into categories you can edit.

Bills and cards Statements found, due dates reminded.

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