Hello friends I am anil.i recently opened my bank account in kotak mahindra bank .i opened my bank itself through by my phone unlike other banks I need not to run in just 5 min I have made my account .i mostly like is the kotak 811 plan by which we can open our account without any problem.i also like that this bank is giving 6% of interest rate , wao! What I think that kotak mahindra bank is one of best private bank .but unlike other banks after 1 year we compulsory need to go to bank to get kyc pin but till one year without any tention we can use the account .it is great , we can easily do transactions , and enjoy 6% interest facility and many more features by this bank.this sceme is somewhat like patym account only.in short I think this bank is best private bank.