Hello everyone , today I shares my personal experince about this app .This app has many features firstly this account zero balance account to open this account you have submit your kyc document through the agent of the bank . I am using kotak mahindra mobile banking and open saving account at kotak bank .it app have live layout and design is very nice and having many concept like banking account managment fixed deposite opening.it is very useful for student or senior citizen I suggest to open account in kotak mahindra bank