Kotak 811 zero balance account

Interest rate : 4%
Link to open 811 account

Cons:
1. Only online transactions are free. At branch only one deposit or withdrawal upto Rs 10,000 is free. Branch transactions above this cost alomst 3.5% of transaction value.
2. Only five transactions are free via Kotak ATMs.
3. Only 20 upi transactionsper month are free.

Pros :
1. unlimited RTGS, NEFT, IMPS is free.