Kotak Mahindra Bank KYC Update Online 2026 — Without Branch Visit

Kotak Mahindra Bank requires KYC updates periodically. Kotak 811 (zero-balance digital account) customers specifically need to complete Video KYC to upgrade from minimum KYC to full KYC — which unlocks higher balance limits and full banking features.

Kotak 811 KYC — Minimum vs Full KYC Difference

If you opened Kotak 811 online, you need to complete Video KYC within 12 months to retain full functionality.

Method 1: Video KYC via Kotak Mobile Banking App (Essential for 811)

1. Open Kotak Mobile Banking app → Login
2. Look for "Complete Video KYC" banner (appears for 811 minimum KYC holders)
3. OR: "Profile" → "KYC Status" → "Start Video KYC"
4. Grant camera + microphone permissions
5. Keep ready:
   • Original Aadhaar card (not photocopy)
   • PAN card
   • Good internet connection + bright lighting
6. Kotak executive joins for a ~5 minute video call
7. During call: Show Aadhaar (front + back), PAN, answer basic questions
8. Full KYC approved on the call — limits upgraded immediately

Method 2: Document Upload for Periodic Re-KYC

For existing full-KYC customers receiving periodic re-KYC notice:

1. Kotak Mobile Banking app → "Profile" → "Update KYC Documents"
2. Upload:
   • Aadhaar (front + back)
   • PAN card
   • Live selfie (in-app camera)
3. Digital declaration accepted in-app
4. Submit → Reference number generated
5. Processing: 24–72 hours

Method 3: Kotak Net Banking

1. Login at netbanking.kotak.com
2. "My Accounts" → "Profile Settings" → "KYC Documents"
3. Upload scanned Aadhaar + PAN (self-attested)
4. Submit → Processing 2–4 working days

Method 4: Kotak Bank Branch

1. Visit any Kotak Mahindra Bank branch
2. Carry original Aadhaar + PAN (originals for verification, give self-attested copies)
3. Fill "KYC Update Form" at the service desk
4. Same-day processing for standard re-KYC
5. Note: For 811 accounts, Video KYC can also be done at branch on their tablet

Documents Accepted for Kotak KYC

Kotak NRI KYC Requirements

For NRI customers with Kotak NRE/NRO accounts:

• Passport copy (notarised or attested by Indian embassy)
• Foreign address proof (overseas bank statement / utility bill)
• Overseas bank-attested copies accepted
• Contact Kotak NRI services: +91-22-6600-6022

Frequently Asked Questions

Kotak 811 — what happens if I don't complete Video KYC within 12 months? Minimum KYC accounts expire after 12 months if full Video KYC is not done. Account is frozen — you can only withdraw existing balance. Complete Video KYC immediately to reactivate.

Kotak Video KYC schedule — when is it available? Video KYC is available Monday to Saturday, 9 AM – 6 PM. Kotak executives are usually available within 5 minutes. Avoid trying on public holidays.

I completed Kotak Video KYC but balance limit not increased yet? Allow up to 2 hours post-call for limit upgrade to reflect in-app. If not updated in 4 hours: Call 1860-266-0811 with Video KYC reference number.

Kotak KYC rejected — Aadhaar name doesn't match account name? This is common if you opened account with a name variation. Solution: Visit branch with Aadhaar + PAN + account opening documents. Request name correction + KYC update simultaneously.

Can I transfer my Kotak 811 Video KYC to another Kotak account? No — KYC is per-account. If you have multiple Kotak accounts, each needs independent KYC. However, Video KYC done once is recorded by Kotak and branch KYC updates are typically faster for subsequent accounts.