Date: December 21, 2025 (Sunday) 3:30 am to 4:30 am IST
Services unavailable
- Kotak Bank App (Old)
- New Kotak Bank App
- Kotak811 Mobile Banking application
- Net Banking
- UPI and other payment related services
- ATM*
*No Impact on ATM transactions below Rs 20,000
Do plan your banking activities in advance to avoid any inconvenience before the scheduled downtime.
Frequently Asked Questions (FAQ) on savings account
Can I open a savings account jointly with another applicant?
No. You cannot have a joint account with another applicant. Kotak811 savings account is for a single user only.
What are the different types of savings accounts by Kotak811?
You can choose from Kotak811 Zero Balance Digital Savings Account, and 811 Super Savings Account.
How do I choose the best savings account?
The choice of the best savings account depends on your preferences. If you often struggle to maintain balance, opt for a Zero Balance Digital Savings Account. If you want cashback benefits on your debit card spending, the 811 Super Savings Account can be better for you.
What happens if I don’t maintain the required balance?
Zero Balance Account: No penalties.
Super Savings Account: No penalties. But to enjoy all the cashback benefits associated with the account, you must meet the required spending conditions.
What are the benefits of a Kotak811 Savings Account?
The key benefits of a savings account are:
- A free virtual debit card or a physical card is available upon request.
- Fully digital account opening with instant activation.
- Competitive interest rate of up to 5.75% p.a. interest with ActivMoney
- Free fund transfers via NEFT, IMPS, and UPI.
- Cashback benefits (for Super Savings Account users)
Check out specific account pages to explore the complete range of benefits.
Can I upgrade my Kotak811 savings account?
Yes, you can upgrade from a Zero Balance Account to a Super Savings Account. The process can be carried out through the mobile banking app or by connecting with a customer care representative.
Who is eligible for a Kotak811 Savings Account?
To be eligible for a Kotak811 Savings Account, you should be a citizen of India, above 18 years of age (except in the case of a minor savings account). You must submit valid KYC documents.
Is video KYC valid for savings accounts?
Absolutely. You can complete your KYC from home over a video call with a Banking Officer. It is easy and open for Indian residents present in India during the process.
How can I withdraw money from my Kotak811 Savings Account?
You can withdraw money from your Kotak 811 Savings Account either by using your physical debit card at an ATM or by visiting a Kotak Mahindra Bank branch. If you own a physical debit card linked to your Kotak811 Account (usually available for Limited and Full KYC accounts), you can visit any ATM and follow the standard withdrawal process.
What charges are applicable on Kotak811 Zero Balance Savings Accounts?
A Zero Balance Savings Account levies no annual charges or fines.