Hey guys I really want to share some special news about kotak bank. Now you opened account with kotak mahindra bank with only on zero balance account no any man charges even you got an virtual debit card is also free you don’t need to maintain any balance in your account bcoz it is totally zero balance account the scheme of the kotak zero balance account is kotak 811 you just download this from playstore and just follow trust m guys it is benefits al even I use this and very happy with it.