Zero Balance Account (Kotak 811) Documents Required (Complete List)
Kotak 811 requires very few documents — just Aadhaar and PAN. But your Aadhaar must be linked to your current mobile number, and for Video KYC you need a few extra things ready.
Required Documents
Mandatory Documents
- Aadhaar Card — must be linked to your active mobile number (for OTP verification)
- PAN Card — number is required during application, physical card needed for Video KYC
For Video KYC (Recommended)
- Original physical PAN card (to show on camera)
- Blank white paper and a blue/black pen (for signing during the call)
- Well-lit room with stable internet connection
- Device with working front camera and microphone
Personal Information Needed
- Active mobile number (for OTP and account registration)
- Email address
- Current address PIN code
- Father's name (must match PAN card)
- Mother's maiden name (used as security question)
- Nominee details (name, relationship, DOB, address)
Who Cannot Open Kotak 811
- Minors (below 18 years)
- NRIs and foreign citizens
- Existing Kotak Mahindra Bank customers (savings, current account, or loan holders)
- Anyone without Aadhaar and PAN
Optional But Helpful
- Bank passbook or cancelled cheque (for linking external accounts)
- Income proof (may be asked in some cases, not usually required)
File Format & Size Rules
| Document | Format | Max Size |
|---|---|---|
| PAN Card Photo (Video KYC) | Captured via app camera | Automatic |
| Selfie (Video KYC) | Captured via app camera | Automatic |
| Signature (Video KYC) | Captured via app camera | Automatic |
Tips to Avoid Document Rejection
- Make sure your mobile number is linked to Aadhaar before starting — this is the #1 blocker
- Keep your physical PAN card handy — e-PAN or digital PAN on DigiLocker works for number entry but you need the physical card for Video KYC
- Do Video KYC immediately after opening — do not wait or you will hit limited KYC restrictions
- Video KYC is available 8 AM to 11 PM, all 7 days — pick a time when you have good lighting and internet
- Father's name must match exactly with PAN card — check before entering
- Note down your Customer ID, Account Number, and CRN after account activation
- Allow location access when asked — it is mandatory for Video KYC