Hello friends I am sharing my experience of Kotak-811 .Few months earlier I dont have any bank account.I tried to open account in almost every bank but they usually ask for money to open a account .Then I found Kotak-811 on social media and I downloaded the app and open a new account and submitted my documents and in seconds they give me my virtual debit card and they take only debit card fee.and they deliever my debit card to my home in almost 7-8 days .and I have new international visa debit card on my hands thanks Kotak