Image Source: www.kotak.com
Aaj ka time Internet ka time ka time hai, aur is zamaane mein adhiktar logon ke paas mobile phone moujood hai isi wajah se aaj ke time mein zyada se zyada log internet se jude hue hain. Internet se judne ka logon ko bahut faida hua hai, internet ne logon ki zindagiyon ko pehle ki tulna mein bahut aasan bana diya hai. Internet hone ke kaaran aaj humare bahut se kaam turant aur bina mehnat ke ho jaate hain. Internet hone ki wajah se hi aaj ke time mein bahut saare kaam online ho rhe hain, jo pehle kaagaz par hua karte the. Aaj ke time mein chaahe woh sarkaari yojnaayen hon, bank ke kaam hon, college, university ke kaam hon, government office/institute ya private office/institute ke kaam hon sabhi internet ke maadhyam se online kiye jaate hain. Internet ke is daur mein bank aapko banking ki bahut si sevaayen online deta hai, jiska istemaal aap khud hi kar sakte hain. Bank ke bahut se kaam aaj aap internet ki madad se apne ghar baithe hi kar sakte hain, jaise kisi ko paise bhejne hon ya kisi se paise lene hon, bill payment ya kisi tarah ka payment kar sakte hain iske alaawa apne aacount ki gatividhi jaan sakte hain iske alaawa aur bhi bahut se kaam. Yeh sabhi kaam bina internet ke mumkin nahi the lekin aaj internet hone ki wajah se yeh sabhi kaaam mumkin ho gaye hain aur aage aane wale samay mein internet humen aur bhi sahoolaten dega. Bank account pehle hum bank ki branch mein jaakar hi khulwa paate the uske liye humen apne documents le jaane padte the, sath hi humen 'account opening' form bharke submit karna padta tha tab jaakar humara bank account khulta tha. Lekin aaj ke time mein aap internet ke maadhyam se online bhi bank account khol sakte hain. Kyunki aaj ke time mein adhiktar payment aur transactions online karne padte hain, jiske liye bank account hona bahut zaroori hota hai aur har koi chahta hai ki woh online payment ki suvidha le sake jisse usko aasani ho. Aur isi wajah se har vyakti chaahta hai ki uske paas bank account ho taaki woh bhi banking sevaaon ka laabh praapt kar sake, aur apni zindagi ko aasan bana sake.
Isliye kuch bank online bank account kholne ki suvidha dete hain, jisse koi bhi vyakti ghar baithe hi online bank account khol sakta hai, aur iske liye usko bank ki branch mein jaane ki zaroorat nahi padti hai. Online bank account kholne par aapko turant account number, customer ID, aur IFSC mil jaata hai, aur aapko banking sevaayen milne lagti hain aap us account mein paise daal sakte hain aur us account se transactions kar sakte hain. 
Kotak 811 Account aaj kal bahut trend mein hai, log is account ke baare mein zyada se zyada jaanna chahte hain ki, 

Kotak 811 Account hai kya? Kotak 811 Account kis tarah ka account hai? Is account ko kaise khola jaata hai? Is account ke kya faide hain?Is Account ko kyun kholna chahiye ya kyun nahi kholna chahiye etc.?

Is tarah ke bahut se sawaal bahut se logon ke dimagh mein paida hote honge is account ko lekar. To is article mein hum isi account ke baare mein charcha karenge, jisse humen sabhi sawaalon ke jawaab mil jaayenge.

Kotak 811 Account Kya Hai?


Kotak 811 Account, Kotak Mahindra Bank ki taraf se milne wala ek Digital Bank Account hai. Isko Digital Account isliye kaha jaata hai kyunki is account ko online khola jaata hai aur is account ko kholne ke liye aapko physical documents yaani ki kaagzi dastaawez ki zaroorat nahi padti hai, is account ko kholne ke liye Aadhar Card aur PAN Card number ki zaroorat hoti hai. Aadhar Card number aur PAN se aap yeh account ghar baithe online khol sakte hain, iske liye aapko bank ki branch mein jaane ki zaroorat nahi padti hai.
Is account ko zero balance se khola jaata hai, isliye Kotak 811 Account ko hum Digital Savings Account kah sakte hain. Yeh ek tarah ka savings account hi hota hai, yeh Regular Savings Account ke jaisa hota hai, bas ismein aapko charges zyada dene padenge.
Iske alaawa baaqi sabhi services aapko ek Regular Savings Account ki tarah hi milengi. Kotak 811 Account par aap Visa Classic Debit/ATM Card bhi paa sakte hain, aur iske liye aapko bank branch bhi jaane ki zaroorat nahi hogi, aap apne mobile se Kotak Mahindra Bank ke Mobile App 'Kotak811' se Debit Card ke liye online nivedan kar sakte hain aur aapko Debit Card aapke address par bhej diya jaayega. Halaanki Debit Card issue karaane ke liye aapko uska charge dena hoga. Isi tarah is account ke liye aap online chequebook bhi order kar sakte hain, aur iska bhi charge aapko dena hoga. Is account par aap passbook bhi praapt kar sakte hain aur uske liye aapko mobile banking se 'Passbook Facility' on karni padegi jiske baad aapko ek passbook request ID di jaayegi jisko lekar aapko apni Kotak Mahindra Bank ki branch mein jaana hoga aur apna passbook collect karna hoga.


Kotak 811 Kis Tarah ka Account Hai?
Kotak 811 ek digital account hai, jisko hum online khol sakte hain. Yeh account aap PC par Kotak Mahindra Bank ki website se bhi khol sakte hain ya phir Kotak Mahindra Bank ke mobile app 'Kotak 811' se bhi khol sakte hain. Kotak 811 zero balance savings account hai, ismein aapko minimum balance maintain karne ki bhi koi aaveshyakta nahi hai aap isko zero balance se khol sakte hain aur zero balance se is account ko chala bhi sakte hain.
Is account mein aapko MAB (monthly Average Balance) banaaye rakhne ki zaroorat nahi hoti hai.
Kotak 811 ek Regular Savings Account ki tarah hi hai, bas ismein aapko services ke liye zyada charge lagenge aur sath hi yeh 3 prakaar ke hote hain (1) Kotak 811 Limited KYC Account (2) Kotak 811 Lite Account (3) Kotak 811 Full KYC Account.
filhaal aap yeh jaan lijiye ki Kotak 811 Full KYC Account par hi aapko Savings Account ki sabhi suvidhaayen milengi. Filhaal baaqi ke un 2 accounts ke baare mein hum phir kabhi charcha karenge.
Kotak 811 Account jo ki full KYC wala hota hai hum usko ek Regular Savings Account ke jaisa maan sakte hain, kyunki ismein aapko Regular Savings Account ki sabhi sevaayen milengi bas unke charges aur fees zyada hongi aur Kotak 811 account ke niyam aur sharten Regular Savings Account se alag hongi.
Kul milaakar hum Kotak 811 Account ko ek Zero Balance Digital Savings Account kah sakte hain ya keval Digital Savings Account bhi kah sakte hain.

Is Account ko Kaise Khola Jaata Hai?


Yeh account kholne ke liye aapke paas Aadhar Card aur PAN Card hona chahiye. Is account ko aap Kotak Mahindra Bank ki website ya Bank ke mobile app 'Kotak811' ke zariye online khol sakte hain. Iske liye aapko sabse pehle Bank ki website ya app mein jaana hoga uske baad aapse aapki personal details maangi jaayegi aapko dhyaan se apni sabhi details bharni hogi. In details mein sabse important apka Aadhar number aur PAN hai. Jab aap apni sabhi details bhar lenge to aapko isko submit karna hoga, yaad rahe ke yeh sabhi kaam online hi honge aur aapko iske liye branch jaane ki zaroorat nahi hogi. Sabhi details submit karne ke baad aapko aapka Account Number aur ek Customer Relationship Number mil jaata hai iske baad aapko Mobile Banking ke liye MPIN banana hota hai aur transactions ke liye TPIN. Agar ye account Aadhar authentication (pramanikaran) OTP dwara khola gya hai to yeh account Limited KYC account hoga aur agar bina Aadhar authentication OTP se khola gya hai to yeh account Lite account hoga. Agar humen baadharahit sevaayen chahiye aur humen sabhi sevaaon ka labh chahiye to humen apne Limited KYC Account ya Lite Account ko Full KYC Account mein badalna hoga. Aur iske liye humen apne account ki Full KYC karaani hogi.
Kotak 811 ki KYC ke liye bhi aapko apne branch jaane ki zaroorat nahi padegi, balki aap Kotak Mahindra Bank ke representative (pratinidhi) ko bulaakar KYC ki prakriya puri kar sakte hain. Iske liye woh khud aapse sampark karte hain aur aap jab unko time dete hain woh aapke paas aakar KYC ki prakriya ko pura karte hain. KYC ki prakriya biometric authentication ke zariye hoti hai. Full KYC hone ke baad aap is account se Savings Account ki sabhi suvidhaaon ka laabh paa sakte hain.

Kotak 811 Account ke Kya Faide Hain?


Yeh ek Digital Savings Account aur agar koi yeh account kholna chaahe to usko kahin jaane ki zaroorat nahi hoti hai woh apne Mobile Phone se ya PC se online is account ko khol sakta hai. Ye ek Zero Balance Account hai to is account ko woh vyakti bhi khol sakta hai jiske paas account kholne ke liye paise nahi hai. Is account mein minmum balance banaaye rakhne ki bhi zaroorat nahi hoti hai. Minimum Monthly Average Balance maintain karne ki koi zaroorat nahi hai. Aapko is account mein free virtual Visa Debit Card diya jaayega jisse aap online payment kar sakte hain.

Kul Milaakar is Account ke Yeh Faide Hain:

Yeh Digital Savings Account Hai: Is account ko ghar baithe online apne mobile phone ki madad se khola jaa sakta.
Zero Balance Account: Yeh ek Zero Balance Account hai, jisko bina kisi amount ke khola jaa sakta hai.
Minimum Balance Rakhne ki Zaroorat Nahi: Is account mein kisi bhi prakaar ki niyuntam raashi rakhne ki zaroorat nahi hai, isko zero balance se bhi chalaaya jaa sakta hai.
Monthly Average Balance ki Zaroorat Nahi: Is account mein aapko monthly average balance maintain karne ki zaroorat nahi hai.
Free Virtual Visa Debit Card: Is account mein aapko ek free virtual visa Debit Card milta hai, jisko online bhugtaan ke liye istemaal kiya jaa sakta hai.

Jaise hi aap yeh account khol lete hain aapko Account Number, IFSC aur Customer Relationship Number (CRN or Customer ID) mil jaate hain. 
Iske sath aapki Mobile Banking bhi activate ho jaati hai. 

Kotak 811 ki Mobile Banking se aapko yeh faide honge:

  • Kotak 811 Mobile Banking se aap apne account ka statement check kar sakte hain.
  • Kotak 811 Mobile Banking se khaate ki gatividhi ko jaan sakte hain.
  • Kotak 811 Mobile Banking se aap apne account ka balance dekh sakte hain.
  • Kotak 811 Mobile Banking se aap kisi doosre vyakti ke account mein paise bhej sakte hain, jaise NEFT aur IMPS ka upyog kar sakte hain.
  • Kotak 811 Mobile Banking se aap bill ka bhugtaan kar sakte hain, jaise bijli, pani, gas,ka bill, landline, postpaid mobile ka bill, Credit Card ka bill ityadi ka bhugtaan aap mobile banking se kar sakte hain.
  • Kotak 811 Mobile Banking se mobile recharge, DTH recharge bhi kiya jaa sakta hai.
  • Kotak 811 Mobile Banking se ticket book kiye jaa sakte hain, jaise flight ticket, train ticket, bus ticket, movies ticket etc.
  • Iske alaawa bhi Kotak 811 ki Mobile Banking ke bahut saare features hain jo humen bahut saare laabh pahuchate hain.

Yeh sabhi kaam aap Kotak 811 ki mobile banking se apne ghar baithe apne mobile phone ki madad se online kar sakte hain.

Is Account ko Kyun Kholna Chahiye ya Kyun Nahi Kholna Chahiye?

Kotak 811 account un logon ko kholna chahiye jinke paas pehle se koi bank account moujood nahi hai, ya un logon ko kholna chahiye jinke paas account mein balance maintain karne ke liye paise nahi hain, kyunki private banks ke regular savings account mein 10,000 rupees maintain karna padta hai aur account kholne ke liye account mein 10,000 deposit bhi karna padta hai. To agar kisi ko private bank mein zero balance wala account chahiye jismein kisi tarah minimum balance bhi maintain karne ki zaroorat na pade to Kotak 811 account khol lena chahiye.
Lekin chunki yeh zero balance account hai aur ismein kisi tarah ke minimum account ko maintain karne ki bhi zaroorat nahi padti hai to aise mein isse bank ko koi faida nahi pahuchta hai, isliye bank is account ki services aur facilities par Regular Savings Account se zyada charge leta hai. Isliye agar aapke pas pehle se kisi bank mein account hai to aapko Kotak 811 account kholna ka koi faida nahi hai, ya phir agar aapke paas itne paise hain jisse aap ek Regular Savings Account khol sakte hain aur us account mein balance bhi maitain kar sakte hain to aapko Kotak 811 account kholne ka koi faida nahi hai. Aur aise mein behtar hoga aap Regular Savings Account kholen na ki Kotak 811 Account.
Agar koi vyakti bahut busy rahta hai aur usko bank jaane ki fursat nahi hai ki woh bank jaakar apna account kholwaye to uske liye Kotak 811 account sahi rahega aur usko yeh account kholna chahiye. Kyunki is account ko kholne ke liye aapko bank ke chakkar nahi kaatne padenge aur ghar baithe hi aapka bank account khul jaayega to agar aap bank ki daud bhag se bachna chahte hain aur apna time bachana chahte hain Kotak 811 Account kholna chahiye.
Jo log aise area mein rahte hain jahan aas-paas mein kisi bank ki branch nahi hai ya branch hai to kaafi door, jahan jaane mein dikkat aa rahi hai to unko Kotak 811 Account kholna chahiye.

Kaun Kotak 811 Account Khol Sakta Hai?


Account kholne ke liye Aadhar Card aur PAN Card hona zaroori hai. Sath hi 18 saal se upar ke log hi yeh account khol sakte hain, iske alaawa Bhartiya nivasi hona chahiye, aur Kotak Mahindra Bank mein pehle se koi moujooda Account nahi hona chahiye nahi to yeh account nahi khola jaa sakta hai.
To Kotak 811 Account kholne ke liye sharten kuch is tarah hain:
  • Aadhar Card Aur PAN Card Hona Chahiye
  • Vyakti ki Age 18 Saal se Upar Hona Chahiye
  • Vyakti ka Bhartiya Nivasi Hona Zaroori Hai
  • Kotak Mahindra Bank Mein Pehle se Koi Account Moujood Nahi Hona Chahiye
Filhaal Kotak Mahindra Bank ne Kotak 811 Account ki Facility ko temporary band kar diya hai. Aur abhi koi naye Kotak 811 Account online nahi khole jaa rahe hain. Agar aapko yeh account kholna hai to aap Kotak Mahindra Bank ki branch se sampark kar sakte hain, ya Kotak Mahindra Bank ke Customer Care se bhi baat kar sakte hain. Lekin jin logon ke paas Kotak 811 Account hai ya jin logon ne yeh account pehle se khol rakha hai unke account band nahi hue hain, aur woh aage bhi kabhi bhi band nahi honge.