6 Steps — Complete Guide

Zero Balance Account (Kotak 811) Guide

Open a zero balance savings account with Kotak

Kotak Mahindra Bank

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Step 1 of 6

Start Account Opening

Enter:

Mobile Number
Email ID
Current Address PIN Code

Click Open Account

You will receive an OTP on your email

#Handle PIN Code Error

If you get an error, your PIN code may not be serviceable

💡In that case, try using another address - own or family member's

Enter the Email OTP

Click Next

#PAN & Aadhaar Verification

Enter:

PAN Card Number
Aadhaar Number

Accept Terms & Conditions

Click Proceed to Verify

You will receive an OTP on the mobile number linked with Aadhaar

Enter the OTP

Click Next

Allow Location Access when asked

Step 2 of 6

Personal Details

Your Aadhaar details will be shown automatically

👉 Check them once

Enter Father's Name

💡Must match your PAN card

Select:

Occupation
Monthly Income
Source of Income
Marital Status

#Mother's Maiden Name

Enter Mother's Maiden Name

💡This means your mother's full name before marriage

Used as a security question

💡Helpful if you forget User ID or password

Re-enter the Mother's Maiden Name for confirmation

Click Next to continue

Step 3 of 6

Address & Nominee Details

Your Communication Address (from Aadhaar) will be shown

If it's correct, select Same as Communication Address

If different, enter the address manually

Click Proceed

#Nominee Details

Enter Nominee Name

💡Any family member who will receive the amount if something happens to you

Select Relationship

Enter:

Date of Birth
Email ID
Mobile Number
Nominee Address

Select Same as Permanent Address if applicable

Otherwise, enter it manually

Accept Terms & Conditions

Click Proceed to continue

Step 4 of 6

Choose Plan, Deposit & Set MPIN

#Choose Your Account Plan

Select the plan based on your needs

#Deposit Amount

Add money using any payment mode

💡UPI / Net Banking / Card

#Set MPIN

Create your MPIN

💡This PIN is required every time you log in

Re-enter the MPIN to confirm

#Insurance Cover (Optional)

You will see an insurance protection option

Click Enroll Now if you want the cover

💡charges apply

Click Continue Without Protection if you don't want it

Step 5 of 6

Complete Full KYC (Video KYC)

Your account is created, but full KYC is required

Click Complete KYC

#Select Start Video KYC

💡You can also book an appointment to do it later

#If the page doesn't load:

Try:

Wait for a few minutes, or
Check WhatsApp for the Video KYC link

#Start Video KYC

Click Go to Video KYC

Select your Communication Address

Click Proceed

Read and accept Terms & Conditions

Click Agree & Proceed

#Upload Required Items

Upload Photo of your physical PAN card

Upload your Selfie

Upload your Signature

💡Sign on blank paper and upload

If you see an upgrade popup:

Click Continue with your current plan

Allow Location Access

Step 6 of 6

Video Call & Account Activation

#Video Call with Bank Officer

You will be connected to a bank representative

Answer all questions yourself

💡No one else should be present during the call

You may be asked to:

Show your physical PAN card
Do your signature on blank paper
*(Signature should match PAN card)*

#After KYC Completion

Within 1 month, you will receive:

Debit Card
Passbook
Other account-related documents

#Download & Login

Download the official Kotak Mahindra Bank app

Use the MPIN you created

✅ Zero Balance Account opening process is now fully complete

✓

Done! Form Complete 🎉

Follow all the steps above and your form will be successfully submitted.

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