How to Open Your Free Kotak 811 Account

How to Open Your Free Kotak 811 Account


  1. Zero Balance Savings Account
  2. Earn up to 4% interest per annum
  3. Free Virtual Debit Card loaded with offers
  4. Digital banking with online support
  5. No maintenance fees

How it works?

  1. The customer to click on the shared link and complete Kotak 811 savings account opening process
  2. Enter name, email id & phone number
  3. Add PAN & Aadhaar details. Provide consent to authenticate via aadhar and agree to terms & conditions
  4. Enter OTP sent to mobile number linked with Aadhaar
  5. Enter personal details like occupation, source of income, yearly income, marital status etc. and click on ‘Next’
  6. Confirm communication address fetched from Aadhaar card. You can fill a new address for full KYC OR select the same address as communication address
  7. In case address is not serviceable, add a new address for communications
  8. Add nominee (optional step). We recommend customers to add a nominee to their account
  9. Read & confirm all self declarations
  10. Setup 6 digit MPIN
  11. Virtual debit card gets generated (note that process is not completed yet). Some customers might get option to get a credit card against a fixed deposit, click on ‘Skip’ or ‘Claim card’
  12. Click on ‘Complete Full KYC’
  13. Upload PAN card copy, selfie and signature photo. Accept terms and conditions
  14. Allow location access
  15. Video KYC:
  16. Keep original PAN, blank paper & pen handy to complete video KYC Allow permissions for microphone & video
  17. Answer questions asked by the bank executive correctly (customer to answer on their own without any prompting)
  18. User to get account opening email from Kotak
  19. Your income will get credited in your linked bank account during the payout cycle.

Terms & Conditions

  1. Applicable for only new Kotak customers
  2. Video KYC is required to open “Kotak 811 Full KYC Account”, otherwise no commission will be paid
  3. Please check if the customer’s pin code lies in the valid list of pin codes as provided by Kotak
  4. If there is no Kotak branch within 12 kms of your current residential location then Kotak Lite account would be opened
  5. You can see Account Type under the “Account Features” section
  6. The customer must register with the mobile number linked to his Aadhaar card.
  7. Payout on a weekly basis, case wise decisions would not be shared by the bank.
  8. You are not allowed to charge anything from the customer. If found guilty, your account will get blocked and earnings will get frozen. We might also apply a fine for any such instances.
  9. The entire account opening process should be completed in one go.
  10. For Good customer: Age & CIBIL criteria should be met. Good customer is defined as per the brand report only


  1. Complete the process in a single journey, if required, resume the journey using the link from the “my customer” section.
  2. Check pincodes availability.
  3. Customers should keep a blank paper and PAN card handy while doing video KYC.
  4. Customers should not have any existing account with the brand or had previously applied for the same.
  5. Inform customers of the product features and how to use the account.


    1. Don’t make false promises like loan, credit card offer to the customer.
    2. Don’t use your phone or laptop for opening the customer’s account.
    3. Never login to a customer account on your phone or device.
    4. Avoid any mismatches between PAN and Aadhaar Card
    5. Multiple accounts are not allowed from the same device/number/email ID/PAN/Aadhaar.
    6. There should be no background noise while doing the video KYC process.
    7. Paying money or offering incentives for account opening to customers is not allowed

    Things to Remember

    1.Complete the process in a single journey

    2.Customers should keep a blank paper and PAN card handy while doing video KYC

    3.Customers should not have any existing account with the brand

    4.Inform customers of the product features

    Chat on WhatsApp with +91 88895 87206

    Apply Now



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