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:
Unblocking Process:
I followed the link and completed the steps:
- Entered my mobile number & date of birth.
- Completed Aadhaar e-KYC via DigiLocker.
- CKYC details were fetched automatically.
- Uploaded a live selfie.
- Provided employment details & income proof (ITR, Bank Statement, Salary Slip).
- 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.
