Images: Screens from Kotak Mahindra tool for   Aadhaar-based  account opening with  a mobile phone

Bangalore, August 22 2017: Kotak Mahindra Bank claims that you can pour yourself a cup of coffee -- and can open an account  from your home, before  it cools. We tried it. They're right. 
This week, they have  broadened the process across  multiple digital platforms -- desktop, laptop, tablet or phone.
Kotak 811 is India’s first savings account that can be opened by just downloading the bank’s app and authenticating oneself with Aadhaar credentials and a One Time Password(OTP).  In its latest iteration ,  the same can also be done even without downloading the app, via mobile or desktop browsers. The whole process can be completed in less than five minutes from anywhere -- as long as you have a reasonable  Internet connection. 
An August 20 announcement  reassures  potential customers that Kotak Mahindra continues to offer 6 % interest with its savings bank accounts, even as other banks led by State of India   reduce the rate to 3.5%.