100% Digital Process: Open Kotak 811 Saving account using Aadhar & Pan Card and get it approved instantly. You have to pay Rs 1000 for Account opening, and you can withdraw it the full amount after 24 hours [This is mandatory for GoPaisa Cashback]. The best part of the Kotak 811 account is that there is no need to maintain any minimum balance in your account. If you maintain a balance in your account, you will get upto 4% Interest rate on your deposit. You can use the Kotak 811 App for all banking services like FD, RD, bill payments, Balance check, transaction history check, fund transfers and other banking-related services. After your account is approved, you will get an instant virtual debit card for online shopping & other transactions. Apply for a Kotak 811 Zero Balance account now and open it instantly via a 100% digital process. Also, get extra GoPaisa Rewards on your account opening. Happy Banking! Happy Savings!