Kotak mahindra 811 app is very nice and friendly. It is running very smooth. Any body can open the free account online through this app. once he/ she will download from google play. After verification you can do online transaction, register the third party, pay own bills, buy kotal general insurence, can do fix deposit very easily. You can buy SIP also through this app. Can pay Credit card bills also. You can make own pictire profile also. Account summary. You can easily apply for perosnal lone also.
If your credit score is good bank will be offer Credi Card also. It will be free. Not hidden cost. You can do emi on your purchase through this app.
You can buy flight tickets.
If you will buy Rail ticket bank will be never charge the any service tax like many other banks.
Overall I will highly recommend to you.