Kotak Mobile Banking App is not just the best-in-class app but it is also a completely new way of doing pure digital and paperless banking which is must in post Demonetisation and cashless transactions era.

You can open a zero balance digital bank account, Kotak 811, without any paperwork or even without stepping out of your home.

Experience over 100 features including managing all your financial transactions, sending and receiving money through NEFT, IMPS and RTGS, shopping online via Flipkart, booking movie tickets via PVR, flights and hotel rooms via Goibibo and much more. This mobile banking app is also BHIM UPI enabled, you can instantly transfer money online without adding any additional bank information.

Not a Kotak Savings Account customer yet?
This amazing banking app lets you download a zero balance savings account known as Kotak 811 on your mobile phone instantly. All you need is your Aadhaar number and PAN number.

Your 811 savings account offers you:

• Up to 6%* interest p.a.
• Zero balance account
• A Virtual Debit Card to shop online
• Free online transfers

And that's JUST the savings account. There's so much more you can do (more than 100 features!) with our best-in-class app mobile banking app:
• Transfer funds easily & on the go, without having to register a beneficiary
• Track all your Banking Transactions all in one place
• Transfer money instantly through BHIM UPI (Unified Payment Interface)
• Book train tickets using IRCTC
• Shop within our app on Flipkart, PVR, goibibo and more with the benefit of seamless payment
• Recharge your mobile & DTH subscriptions with ease
• Use mobilePay for your offline/instore payments
• Purchase and redeem Mutual Funds and keep track of your investments
• Apply for Kotak Credit card through app
• Regenerate your Debit and Credit card PINs
• In case of loss, temporarily switch off your Kotak debit card for security purpose
• Switch on/Switch off international usage of your Kotak debit card
• Pay Credit card bill online
• Check your bank account statement
• Check your account balance

• Pay your bills, open a Term Deposit
• Post opening Account, go to Manage Profile and Click a selfie or upload your photo to set as profile picture

Get started:
• If you are not a Kotak customer and want a Kotak 811 savings account all you need is your Aadhaar and PAN details.
• If you are an existing customer, you just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time.


Kotak Bank App requires following permissions:

- Contacts: This is required to allow you fetching mobile number while mobile / DTH recharge or sharing IFSC/MMID
- Location: This is required for Branch / ATM locator
- Photos / Media / Files / Camera: This is required to let you access gallery / click an image to set profile picture.
- Phone: This is required to let you dial customer contact center
- SMS: This is required to auto activate the device during activation process.

Please note that your data is safe with Kotak Mahindra bank. We do not share any information with third party without your initiation.

If you have upgraded your phone to the new Android Nougat, and are facing any error with Kotak Mobile app, please re-install the App. Sorry for the inconvenience.

You can now download your Kotak 811 app and start your digital banking journey today.

*Earn 6% p.a. interest on savings account balance over Rs. 1 Lakh and up to Rs 5 crs. Earn 5% interest on savings account balance up to Rs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 5 crs. Applicable for Resident Accounts only. Savings Account interest rates are subject to change from time to time. Please visit www.kotak.com for the latest information on interest rates.