Kotak 811 Account Blocked – Need Advice on Unblocking

[ajijul_93rahman]

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly.

Background:​

• I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally.
• For the past 2-3 months, I started using it regularly as my secondary account.
• My usual transaction pattern:
  • Whenever I made a credit card transaction, I immediately transferred the same amount to this Kotak 811 account.
  • The credits were always from my own UPI account.
  • No third-party deposits, just self-transfers.

Issue Faced:​

• Suddenly, my account got blocked without any prior notice on 09-02-2025.
• I am unable to make or receive any payments (UPI, NEFT, IMPS, RTGS).
• My ₹3,000 balance is stuck in the account.
• I completed Re-KYC, but it didn’t help.
• After one working day, I received this message from Kotak:
  

  “Dear Customer, your Kotak 811 A/C XXXX2905 is blocked as your transactions are not in line with your profile. To start unblocking, visit: Kotak Unblock Link”

​

​

​

Unblocking Process:​

I followed the link and completed the steps:

1. Entered my mobile number & date of birth.
2. Completed Aadhaar e-KYC via DigiLocker.
3. CKYC details were fetched automatically.
4. Uploaded a live selfie.
5. Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
6. Submitted the request, and the status now shows:
   
   Request Submitted – 10 Feb 2025, 11:21 PM
   Request Under Review – Expected update in 3-4 days
   "In case more details are needed, you will receive a call from 8062806605."

​

​

​

Seeking Advice:​

• Has anyone else faced this issue with Kotak 811?
• Why did my account get blocked? Was it due to frequent self-transfers?
• What can I do to speed up the unblocking process?
• How can I avoid this from happening again in the future?

Any guidance or suggestions would be greatly appreciated!

Thanks in advance!

Update (Edit):

After completing the unblocking process, I received a call from a Kotak Bank executive to verify the details I had submitted. He asked me to confirm my name, address, company name, and annual income.

He then explained the reason behind the account block: I had done transactions of up to ₹5L in the past year, and most of them were self-transfers. The bank noticed that whenever I received money in my Kotak 811 account, I would immediately transfer it to my primary account. From April 2024 till now, I transferred around ₹3,99,074.6, with some larger transactions being:

• ₹27,000
• ₹13,000
• ₹11,864
• ₹31,500
• ₹55,000
• ₹56,984
• ₹34,000

Apart from these, there were other transactions where I received money for bill payments from relatives/friends, which I used to pay bills immediately.

Since Kotak periodically reviews accounts, my transaction pattern seemed suspicious to them as I was transferring money immediately after receiving it. I explained to the executive that this is my secondary backup account, and whenever I receive payments here, I transfer them to my primary account. He advised me to use NEFT/IMPS instead of UPI for immediate transfers in the future.

The most surprising part? Today, a verification agent visited my home for physical verification! 😳 Just because of a few large transactions and immediate transfers, they are conducting home and office verifications.

Honestly, this was a very frustrating experience. If someone had complained about my transactions, I could understand this level of scrutiny. But just for a few high-value transactions, blocking my account and putting me through this hassle feels excessive. Do we not have the right to transfer our own money immediately?

Has anyone else faced such an issue with Kotak or any other bank? Would appreciate any advice on how to avoid such problems in the future.

 

[TheTrickySid]

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly.

Background:​

• I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally.
• For the past 2-3 months, I started using it regularly as my secondary account.
• My usual transaction pattern:
  • Whenever I made a credit card transaction, I immediately transferred the same amount to this Kotak 811 account.
  • The credits were always from my own UPI account.
  • No third-party deposits, just self-transfers.

Issue Faced:​

• Suddenly, my account got blocked without any prior notice on 09-02-2025.
• I am unable to make or receive any payments (UPI, NEFT, IMPS, RTGS).
• My ₹3,000 balance is stuck in the account.
• I completed Re-KYC, but it didn’t help.
• After one working day, I received this message from Kotak:

​

View attachment 83406​

​

Unblocking Process:​

I followed the link and completed the steps:

1. Entered my mobile number & date of birth.
2. Completed Aadhaar e-KYC via DigiLocker.
3. CKYC details were fetched automatically.
4. Uploaded a live selfie.
5. Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
6. Submitted the request, and the status now shows:
   
   Request Submitted – 10 Feb 2025, 11:21 PM
   Request Under Review – Expected update in 3-4 days
   "In case more details are needed, you will receive a call from 8062806605."

View attachment 83407View attachment 83408​

View attachment 83409View attachment 83410​

​

Seeking Advice:​

• Has anyone else faced this issue with Kotak 811?
• Why did my account get blocked? Was it due to frequent self-transfers?
• What can I do to speed up the unblocking process?
• How can I avoid this from happening again in the future?

Any guidance or suggestions would be greatly appreciated!

Thanks in advance!

What was your income profile mentioned when you first initially opened this account?

 

[ajijul_93rahman]

What was your income profile mentioned when you first initially opened this account?

When I initially opened the Kotak 811 account, I had mentioned my income profile as 'Salaried.' However, I have been using this account as my secondary bank account for the past few months. Let me know if this could be a reason for the account block.

 

[harshgupta940]

Though Kotak rarely blocks account (personal experience), but banks algorithm detects for frequency of similar kind of transactions whether credit or debit as you made frequent credit only transactions from same account that's why it would have been red flagged. You should do different transactions also along with credit transactions & instead of doing daily transfer of your day's credit card spends you should do it weekly and through the week do other stuff too with the account.


Also savings account and specially as you are salaried is meant to be fewer credits and more spends while you are doing less spends and more credits and hence your profile doesn't match with the transactions.

 

[TheTrickySid]

When I initially opened the Kotak 811 account, I had mentioned my income profile as 'Salaried.' However, I have been using this account as my secondary bank account for the past few months. Let me know if this could be a reason for the account block.

What did you select your income range in the profile?

What could be the cumulative amount of the transaction that took place.

 

[Tamal]

Credit card bill payment frequency/total volume of transaction is not aligned with your income profile... Simple solution just go to your nearby home branch and give proper explanation of the transaction volume and source and unblock it instantly

 

[ajijul_93rahman]

Though Kotak rarely blocks account (personal experience), but banks algorithm detects for frequency of similar kind of transactions whether credit or debit as you made frequent credit only transactions from same account that's why it would have been red flagged. You should do different transactions also along with credit transactions & instead of doing daily transfer of your day's credit card spends you should do it weekly and through the week do other stuff too with the account.


Also savings account and specially as you are salaried is meant to be fewer credits and more spends while you are doing less spends and more credits and hence your profile doesn't match with the transactions.

I understand your point. Actually, I already have a primary account for my regular UPI transactions, and I was just using this Kotak account as a backup. That’s why the transactions were mostly credit-only. But yes, I’ll try transferring a lump sum amount weekly instead of daily to avoid triggering any red flags. Thanks for your advice!

 

[ajijul_93rahman]

What did you select your income range in the profile?

What could be the cumulative amount of the transaction that took place.

I had selected the income range as ₹5 lakh to ₹10 lakh in the profile. There were no debit transactions, only credit card bill payments from this account. The regular self-transfer credits from my own account were less than ₹10k per month.

 

[ajijul_93rahman]

Credit card bill payment frequency/total volume of transaction is not aligned with your income profile... Simple solution just go to your nearby home branch and give proper explanation of the transaction volume and source and unblock it instantly

Since I mainly use this account as a backup, my transactions were mostly self-transfers and credit card bill payments.

 

[cardy]

It will be unblocked don't worry
If it delays, you have always an option to visit branch if possible.

 

[TheTrickySid]

I had selected the income range as ₹5 lakh to ₹10 lakh in the profile. There were no debit transactions, only credit card bill payments from this account. The regular self-transfer credits from my own account were less than ₹10k per month.

It's not a red flag then.

You should visit the branch or try sending a mail to pno to know the reason for blocking so that you could take precautions in future.

 

[Naresh180672]

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly.

Background:​

• I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally.
• For the past 2-3 months, I started using it regularly as my secondary account.
• My usual transaction pattern:
  • Whenever I made a credit card transaction, I immediately transferred the same amount to this Kotak 811 account.
  • The credits were always from my own UPI account.
  • No third-party deposits, just self-transfers.

Issue Faced:​

• Suddenly, my account got blocked without any prior notice on 09-02-2025.
• I am unable to make or receive any payments (UPI, NEFT, IMPS, RTGS).
• My ₹3,000 balance is stuck in the account.
• I completed Re-KYC, but it didn’t help.
• After one working day, I received this message from Kotak:

​

View attachment 83406​

​

Unblocking Process:​

I followed the link and completed the steps:

1. Entered my mobile number & date of birth.
2. Completed Aadhaar e-KYC via DigiLocker.
3. CKYC details were fetched automatically.
4. Uploaded a live selfie.
5. Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
6. Submitted the request, and the status now shows:
   
   Request Submitted – 10 Feb 2025, 11:21 PM
   Request Under Review – Expected update in 3-4 days
   "In case more details are needed, you will receive a call from 8062806605."

View attachment 83407View attachment 83408​

View attachment 83409View attachment 83410​

​

Seeking Advice:​

• Has anyone else faced this issue with Kotak 811?
• Why did my account get blocked? Was it due to frequent self-transfers?
• What can I do to speed up the unblocking process?
• How can I avoid this from happening again in the future?

Any guidance or suggestions would be greatly appreciated!

Thanks in advance!

As per RBI zero balance account can not perform more than 100000 transaction per year. All digital channel are blocked . U can only withdraw and deposit in branch only. Visit branch get it converted to general account

 

[harshgupta940]

As per RBI zero balance account can not perform more than 100000 transaction per year. All digital channel are blocked . U can only withdraw and deposit in branch only. Visit branch get it converted to general account

1lk transaction in count?
This is around 273 transactions per day and I am sure he won't be doing these many

 

[Aniket]

As per RBI zero balance account can not perform more than 100000 transaction per year. All digital channel are blocked . U can only withdraw and deposit in branch only. Visit branch get it converted to general account

1lk transaction in count?
This is around 273 transactions per day and I am sure he won't be doing these many

He meant to say ₹1,00,000, even though it's incorrect.

Such rule is only for BSBDA.

 

[ajijul_93rahman]

As per RBI zero balance account can not perform more than 100000 transaction per year. All digital channel are blocked . U can only withdraw and deposit in branch only. Visit branch get it converted to general account

1lk transaction in count?
This is around 273 transactions per day and I am sure he won't be doing these many

He meant to say ₹1,00,000, even though it's incorrect.

Such rule is only for BSBDA.

I have updated the post with the latest details. Please check what happened and let me know your thoughts.

Short update: After completing the unblocking process, I received a call from Kotak Bank for verification. They flagged my account due to frequent self-transfers immediately after receiving credits. In the past year, I transacted around ₹3.99L, with a few high-value transactions (₹55K, ₹57K, etc.). Since this is my secondary account, I used it mainly to receive funds and transfer them to my primary account.

The executive suggested using NEFT/IMPS instead of UPI for immediate transfers. Surprisingly, a home verification was also conducted just for this. It’s frustrating that they blocked my account for self-transfers without any external complaints.

 

[Aniket]

I have updated the post with the latest details. Please check what happened and let me know your thoughts.

Short update: After completing the unblocking process, I received a call from Kotak Bank for verification. They flagged my account due to frequent self-transfers immediately after receiving credits. In the past year, I transacted around ₹3.99L, with a few high-value transactions (₹55K, ₹57K, etc.). Since this is my secondary account, I used it mainly to receive funds and transfer them to my primary account.

The executive suggested using NEFT/IMPS instead of UPI for immediate transfers. Surprisingly, a home verification was also conducted just for this. It’s frustrating that they blocked my account for self-transfers without any external complaints.

Most likely, it will get unblocked in said time frame, somehow if it won't, then visit your home branch, meet BM in person and try to explain the circumstances, show bank statements if asked/needed that all those txns are genuine belongs to you only. He will raise request on your behalf after getting convinced and making some compliance, if any.

Account gets flagged automatically by the algorithm. Don't worry about 3k, it's safe.

Suggestion:
Don't make several Dr. & Cr. txns of same amount especially within a few moment l. E.g: Cr. 2k and Dr. >/< 2k, and yes use IMPS better than UPI for multiple &; frequent txns. It's even free in Kotak.

 

[ali4u]

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly.

Background:​

• I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally.
• For the past 2-3 months, I started using it regularly as my secondary account.
• My usual transaction pattern:
  • Whenever I made a credit card transaction, I immediately transferred the same amount to this Kotak 811 account.
  • The credits were always from my own UPI account.
  • No third-party deposits, just self-transfers.

Issue Faced:​

• Suddenly, my account got blocked without any prior notice on 09-02-2025.
• I am unable to make or receive any payments (UPI, NEFT, IMPS, RTGS).
• My ₹3,000 balance is stuck in the account.
• I completed Re-KYC, but it didn’t help.
• After one working day, I received this message from Kotak:

​

View attachment 83406​

​

Unblocking Process:​

I followed the link and completed the steps:

1. Entered my mobile number & date of birth.
2. Completed Aadhaar e-KYC via DigiLocker.
3. CKYC details were fetched automatically.
4. Uploaded a live selfie.
5. Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
6. Submitted the request, and the status now shows:
   
   Request Submitted – 10 Feb 2025, 11:21 PM
   Request Under Review – Expected update in 3-4 days
   "In case more details are needed, you will receive a call from 8062806605."

View attachment 83407View attachment 83408​

View attachment 83409View attachment 83410​

​

Seeking Advice:​

• Has anyone else faced this issue with Kotak 811?
• Why did my account get blocked? Was it due to frequent self-transfers?
• What can I do to speed up the unblocking process?
• How can I avoid this from happening again in the future?

Any guidance or suggestions would be greatly appreciated!

Thanks in advance!

Update (Edit):

After completing the unblocking process, I received a call from a Kotak Bank executive to verify the details I had submitted. He asked me to confirm my name, address, company name, and annual income.

He then explained the reason behind the account block: I had done transactions of up to ₹5L in the past year, and most of them were self-transfers. The bank noticed that whenever I received money in my Kotak 811 account, I would immediately transfer it to my primary account. From April 2024 till now, I transferred around ₹3,99,074.6, with some larger transactions being:

• ₹27,000
• ₹13,000
• ₹11,864
• ₹31,500
• ₹55,000
• ₹56,984
• ₹34,000

Apart from these, there were other transactions where I received money for bill payments from relatives/friends, which I used to pay bills immediately.

Since Kotak periodically reviews accounts, my transaction pattern seemed suspicious to them as I was transferring money immediately after receiving it. I explained to the executive that this is my secondary backup account, and whenever I receive payments here, I transfer them to my primary account. He advised me to use NEFT/IMPS instead of UPI for immediate transfers in the future.

The most surprising part? Today, a verification agent visited my home for physical verification! 😳 Just because of a few large transactions and immediate transfers, they are conducting home and office verifications.

Honestly, this was a very frustrating experience. If someone had complained about my transactions, I could understand this level of scrutiny. But just for a few high-value transactions, blocking my account and putting me through this hassle feels excessive. Do we not have the right to transfer our own money immediately?

Has anyone else faced such an issue with Kotak or any other bank? Would appreciate any advice on how to avoid such problems in the future.

Same issue and 49000 thousand rupees stuck in the account still problem is not solved.... Request them and mail them but problem is not solved....if your problem solved please reply ...it helps others

 

[virat#889]

I need some advice regarding an issue with my Kotak 811 Zero Balance Account, which recently got blocked unexpectedly.

Background:​

• I opened my Kotak 811 account around 2 years ago (Full kyc), but I used it only occasionally.
• For the past 2-3 months, I started using it regularly as my secondary account.
• My usual transaction pattern:
  • Whenever I made a credit card transaction, I immediately transferred the same amount to this Kotak 811 account.
  • The credits were always from my own UPI account.
  • No third-party deposits, just self-transfers.

Issue Faced:​

• Suddenly, my account got blocked without any prior notice on 09-02-2025.
• I am unable to make or receive any payments (UPI, NEFT, IMPS, RTGS).
• My ₹3,000 balance is stuck in the account.
• I completed Re-KYC, but it didn’t help.
• After one working day, I received this message from Kotak:

​

View attachment 83406​

​

Unblocking Process:​

I followed the link and completed the steps:

1. Entered my mobile number & date of birth.
2. Completed Aadhaar e-KYC via DigiLocker.
3. CKYC details were fetched automatically.
4. Uploaded a live selfie.
5. Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
6. Submitted the request, and the status now shows:
   
   Request Submitted – 10 Feb 2025, 11:21 PM
   Request Under Review – Expected update in 3-4 days
   "In case more details are needed, you will receive a call from 8062806605."

View attachment 83407View attachment 83408​

View attachment 83409View attachment 83410​

​

Seeking Advice:​

• Has anyone else faced this issue with Kotak 811?
• Why did my account get blocked? Was it due to frequent self-transfers?
• What can I do to speed up the unblocking process?
• How can I avoid this from happening again in the future?

Any guidance or suggestions would be greatly appreciated!

Thanks in advance!

Update (Edit):

After completing the unblocking process, I received a call from a Kotak Bank executive to verify the details I had submitted. He asked me to confirm my name, address, company name, and annual income.

He then explained the reason behind the account block: I had done transactions of up to ₹5L in the past year, and most of them were self-transfers. The bank noticed that whenever I received money in my Kotak 811 account, I would immediately transfer it to my primary account. From April 2024 till now, I transferred around ₹3,99,074.6, with some larger transactions being:

• ₹27,000
• ₹13,000
• ₹11,864
• ₹31,500
• ₹55,000
• ₹56,984
• ₹34,000

Apart from these, there were other transactions where I received money for bill payments from relatives/friends, which I used to pay bills immediately.

Since Kotak periodically reviews accounts, my transaction pattern seemed suspicious to them as I was transferring money immediately after receiving it. I explained to the executive that this is my secondary backup account, and whenever I receive payments here, I transfer them to my primary account. He advised me to use NEFT/IMPS instead of UPI for immediate transfers in the future.

The most surprising part? Today, a verification agent visited my home for physical verification! 😳 Just because of a few large transactions and immediate transfers, they are conducting home and office verifications.

Honestly, this was a very frustrating experience. If someone had complained about my transactions, I could understand this level of scrutiny. But just for a few high-value transactions, blocking my account and putting me through this hassle feels excessive. Do we not have the right to transfer our own money immediately?

Has anyone else faced such an issue with Kotak or any other bank? Would appreciate any advice on how to avoid such problems in the future.

I faced a similar issue with my HDFC Bank account, which I opened in November. In December, it got blocked. I was primarily using it for wallet loading through the Millennia Debit Card. I transferred funds from my ICICI account to HDFC, loaded my wallet, and then transferred the amount back to ICICI. In December, my account was blocked.

When I visited the bank, they asked me to submit a letter stating that the transactions were done by me, along with transaction screenshots and invoices for purchases. Since I had transferred money to Amazon, they asked for an invoice, which I found frustrating because I hadn’t even made any purchases. Regardless of whether I had purchased anything, they shouldn’t have asked for an invoice in the first place. They also took Aadhaar authentication.

The next day, an executive came to my home for verification, and after four more days, my Relationship Manager (RM) called to verify the transactions. It took around five working days for my account to be unblocked.

When I asked for the reason, as I hadn't transferred money to any third party and hadn't reported any issues myself, they told me that since I transferred funds to HDFC and then moved them to another account within a few minutes, it was flagged as suspicious.

I explained that this was a normal use case and that I had never faced such issues with any other bank. However, the RM mentioned that this was a newly introduced backend security check by HDFC.

Note: The transaction amounts were not even large—just three transactions of ₹10,000 each.

 

[sidpsidp is verified member.]

I explained that this was a normal use case and that I had never faced such issues with any other bank. However, the RM mentioned that this was a newly introduced backend security check by HDFC.

Note: The transaction amounts were not even large—just three transactions of ₹10,000 eaeach.

Newly opened account goes through higher level of scrutiny.

As my transactions are high ,My account was also flagged. I was supposed to do rekyc but bom handled it from his side. Here bm has authority to override any flags. So if you maintain good balance they'll help you out.

If they don't, you can put an account closure request.

 

[mp675]

Very I formations post.. had close to 20L in mother account ..definitely I need to diversify