What documents are required to open a bank account for housewife?

Sr. No. Name of the Document (valid) Identity Proof Address Proof 1 Passport Yes Yes 2 Driving Licence Yes Yes 3 Aadhaar (Post e-KYC authentication by Bank) Yes Yes 4 Voter Id Yes Yes 5 Job Card issued by NREGA Yes Yes 6 Letter issued by National Population Register Yes Yes

What are the benefits of women bank account?

The benefits of Silk Savings Programme are as follows: 1) Kotak Rewards - Avail upto 1500 kotak rewards on deibt card spends. 3) Kotak ActivMoney - Earn FD like interest in your Savings Account with ActivMoney.

What is the difference between regular saving account and women saving account?

A regular savings account can be opened by anyone above the age of 18, whereas Silk Savings Programme can only be opened by resident indian women customer over the age of 18 years and comes with exclusive benefits and offers.

Savings Account for Women - Open Women's Bank Account Online

Q: What is women saving account?

The Kotak Mahindra Bank Silk - Women Savings Account programme provides women with the best of offers in finance, dining, health and lifestyle, empowering them to do more.

Q: What is the eligibility criteria for opening Women Savings Account?

Silk Savings Programme - The saving account for women is offered to only resident Indian woman customers above 18 years of age where primary account holder should be a woman in case of joint account.

Q: What is the interest rate for savings for women?

Effective July 9th, 2025, daily balances in Savings Account across all account balances will earn 2.50% interest p.a. These interest rates are applicable for both Resident and Non Resident Accounts (NRE/ NRO)

Silk - Women’s Saving Account

The Kotak Mahindra Bank Silk programme provides women with the best of offers in finance, dining, health and lifestyle, empowering them to do more.

Kotak Rewards

Earn up to 1500 Kotak Reward Points on purchases carried out through your Silk Platinum Debit Card

Kotak ActivMoney

Earn FD like interest in your Savings Account with ActivMoney click here to know more

Services

Enjoy doorstep banking like cash pick-up and delivery, cheque/draft delivery, etc. at your home with Kotak Bank’s Silk Savings Programme

Silk Privileges

Exciting Offers

To find out the latest offers available on women's savings account click here

Kotak ActivMoney

Earn FD like interest rate upto 6.50% with your SILK Savings Programme. Sweep in Sweep out limit as per variant. click here to know more

Preferential pricing on banking products

Rs. 999 flat processing fee on Personal Loan
Up to 100% On-road funding on Car Loan
Flat ROI @ 9.49% p.a. and zero processing fee on Two-Wheeler loan
Zero Processing Fee on Gold Loan

Always by your side

1800 4100 (24*7, call charges apply)

Silk Platinum Debit Card

The Kotak Silk Platinum Debit Card has been designed keeping in mind the needs of the new age Woman. It comes with a host of offers on brands across categories, reward points on debit card spends and features that will ensure utmost convenience.

Enjoy daily purchase limit of Rs. 5,00,000
Get domestic daily ATM withdrawal limit of Rs. 40,000 and international daily ATM withdrawal limit of Rs. 50,000
Kotak rewards
- Experience Kotak Rewards feature where you can earn up to 1500 Kotak Reward Points on purchases carried out through your Silk Platinum Debit Card and redeem points across categories like groceries, apparel, jewellery, hotel, dining etc.
- Rewards details on Silk Platinum Debit Card spends are listed below
  
  Below are the details of Reward Points:
  
  Minimum Spends per month
  
  Reward Points per month
  1 Kotak Reward point=Rs 0.25
  
  Rs. 7,500 - Rs. 15,000
  
  400
  
  Rs. 15,001 - Rs. 25,000
  
  1000
  
  Rs. 25,001 & above
  
  1500
  
  Rewards are subject to meeting of minimum spends criteria. Spends should be on domestic merchant transactions using Debit Card. The reward points will be credited every month for the previous calendar month in your Kotak Rewards account. Validity of reward points will be 1 year from the date of credit. ATM cash withdrawals are not eligible for Rewards. Accrued Reward Points for the last month’s spends will be available in Kotak Rewards Portal latest by 15th of the subsequent month.

Disclaimer

1. Daily balances in Savings Account across all account balances will earn 2.50% interest p.a. These interest rates are applicable for both Resident and Non-resident Accounts (NRE/NRO).

2. ^*TnC Apply

3. ^*The Two Wheeler loan is provided by KMPL

4. Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges

Eligibility Criteria

Silk Savings Programme is offered to only resident Indian woman customers above 18 years of age.
Sole or Joint Account- Primary account holder should be a woman in case of joint account
Silk Savings Programme cannot be offered to Minors, Non Residents, Foreigners, Customer having Small or BSBDA accounts

Check the fees and charges for the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.

Disclaimer

1 Foreign nationals (resident in India), should obtain an undertaking in form QA 22 duly signed by all the persons (irrespective of nationality) who are authorised to operate on the accounts. Fresh declarations will be necessary in the event of any addition to the list of persons authorised to operate on the accounts. Form QA 22 need not be completed by foreign nationals of non-Indian origin permanently resident in India and foreign nationals of Indian origin (other than those who are residing in India for employment of specified duration irrespective of the length thereof or for a specific job or assignment, the duration of which does not exceed three years) and foreign-born wives of Indian nationals and of persons of Indian origin resident in India.

Savings Product Balance Requirement (Silk programme customers only)
	Savings AMB Requirement (Rs)
Everyday	10,000
Nova	5,000
Edge	10,000
Classic	10,000
Pro	20,000
Ace	50,000

Check the documents required for opening the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.

Click Here to know the fees and charges applicable for respective product scheme opted

Be ready with following documents while opening this account

Sr. No.	Name of the Document (valid)	Identity Proof	Address Proof
1	Passport	Yes	Yes
2	Driving Licence	Yes	Yes
3	Aadhaar (Post e-KYC authentication by Bank)	Yes	Yes
4	Voter Id	Yes	Yes
5	Job Card issued by NREGA	Yes	Yes
6	Letter issued by National Population Register	Yes	Yes

Read the terms and conditions for the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.

Silk Savings Programme Terms and Conditions

Silk Savings Programme can be offered to/held by only resident Indian woman customers above 18 years of age. Silk savings programme can be held/opened as sole or joint account. Primary account holder should be a woman in case of joint account. Silk Savings Programme cannot be offered to/held by Minors, Non Residents, Foreigners, Customer having Small or BSBDA accounts. Eligible Schemes for Silk Savings Programme are Everyday, Ace, Pro, Classic, Nova, Platina and Edge.

The terms and conditions applicable for the benefits of Silk Savings Programme are mentioned below, the same is not exhaustive and customers would need to visit the relevant sections of other products to see all terms & conditions

The benefits offered herein under the Silk Savings Programme is complimentary to customers and is in addition to the existing product features and pricing benefits customers avail as part of their Savings Account. Customers will be governed by Savings Account Terms and conditions as defined by Kotak Mahindra Bank.

1. Kotak Rewards

Kotak Rewards feature where customer can earn up to 1500 Kotak Reward Points on purchases carried out through use Silk Platinum Debit Card and redeem points across categories like groceries, apparel, jewellery, hotel, dining etc. T&C Apply.

Minimum Spends per month	Reward Points per month 1 Kotak Reward point=Rs 0.25
Rs. 7,500 - Rs. 15,000	400
Rs. 15,001 - Rs. 25,000	1000
Rs. 25,001 & above	1500

Terms and Conditions:

Rewards are subject to meeting of minimum Average Monthly Balance requirement and minimum spends criteria
The spends should be on Silk Platinum Debit Card. Spends should be on domestic merchant transactions using Debit Card
The reward points will be credited every month for the previous calendar month in your Kotak Rewards account. Validity of reward points will be 1 year from the date of credit
Details of the same can be viewed by logging on https://rewards.kotak.bank.in/.
ATM cash withdrawals are not eligible for Rewards
Accrued Reward Points for the last month’s spends will be available in Kotak Rewards Portal latest by 15th of the subsequent month.In the event of non-receipt of Reward points credit confirmation within the subsequent month from the last day of qualifying month, customers to contact their relationship manager/branch/customer service helpline within 50 days from the date of qualifying for the rewards. Any claims of non-receipt of the rewards beyond the stipulated period shall not be entertained.

2. Kotak Silk Platinum Debit Card

Kotak Silk Debit Card customer can spend without worry, anywhere, anytime and enjoy the advantage of higher withdrawal limits with no annual fees on Ace Accounts

Silk POS Limit	Rs. 5,00,000
Silk ATM Withdrawal limit	Rs. 40,000-Domestic Rs. 50,000-International
Lost Card Liability	upto Rs.3,50,000/-
Purchase Protection	upto Rs.1 ,00,000/-
Debit Card Type	Platinum card

3. Two Wheeler Loan

Offer:

Flat ROI @ 9.49% p.a.
Zero Processing Fees

Disclaimer:

Two Wheeler loans is a product of Kotak Mahindra Prime Ltd which is a subsidiary of Kotak Mahindra Bank Ltd. Available at select locations. *Flat Rate of 9.49% will translate to an approx. ROI of 17.50% p.a. Mandatory fees and stamp duty charges as applicable. Loan sanction and disbursement will be subject to complete documentation and credit at sole discretion of Kotak Mahindra Prime Ltd and subject to guidelines issued by RBI from time to time. CIN: U67200MH1996PLC097730 Registered office address: 27BKC, C27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai- 400051.

Women special offer is applicable to existing Kotak Group female customers. Offer is applicable only for Female applicants taking loan on a Scooter. Offer applicable on select Electric Scooters as well.

4. Car Loan:

Offer:

Sl No	Scheme Offering
1	Up to 100% On Road Funding
2	Tenor up to 7 years
3	Special Offers on Pre-Payment and Part Payment Charges

Disclaimer:

T&C Apply, Car Loan is offered by Kotak Mahindra Prime Ltd. which is a subsidiary of Kotak Mahindra Bank Ltd. Conditions apply. Available at select locations. Credit at sole discretion of Kotak Mahindra Prime Ltd. and subject to guidelines issued by RBI from time to time.

5. Gold Loan:

Offer- Zero processing fees for Silk accounts

Terms and conditions

Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.

Loan to Value ratio as prescribed by RBI from time to time. Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Available in select locations only.

6. Personal Loan

Offer: Flat processing Fee of Rs. 999/-

Disclaimer:

Terms & Conditions apply. Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Personal Loan will not be disbursed if the Savings Account is in dormant or freeze state. To activate your dormant account, please visit the nearest Kotak branch.

Ladies, let’s make finance fabulous for you!