Kotak Bank 811 Mobile App — API integration & OpenFinance services

1. Account login & session mirroring

Mirror the 811 app's authorization handshake (mobile OTP, MPIN, and device fingerprint) into a server-side session your backend can reuse. Useful for building an end-user dashboard that consolidates multiple bank logins under one identity.

Output: token issue, refresh, and revoke APIs; step-up challenge handlers for biometric re-auth.

2. Statement & transaction history API

Paginated statement export with date-range, channel (UPI/NEFT/IMPS/RTGS/Card), counterpart VPA, merchant name, and running balance. Delivers JSON, CSV, and PDF-equivalent outputs — ready for accounting tools like Zoho Books, Tally, and QuickBooks.

Use case: automated bank reconciliation for SMEs running Kotak 811 current and savings accounts.

3. UPI transaction export & webhooks

Near-real-time capture of UPI credits and debits, including scheduled UPI payments (a Kotak 811 industry-first feature), multi-account UPI switching, and goal-based savings transfers. Each event is normalized to a stable schema with idempotency keys.

Use case: UPI collection reconciliation, subscription auto-debit audits, refund tracing.

4. Fixed deposit & ActivMoney sync

Pull FD ladder positions, auto-sweep thresholds, interest accrual, and maturity schedules. Because 811 ActivMoney sweeps idle balance into FDs automatically (up to ~5.50% p.a.), wealth trackers gain a clean signal of held-yield vs. spendable balance.

Use case: personal finance dashboards, treasury analytics for solo founders.

5. Cards, loans & rewards surface

Kotak credit card statement lines, limits, min-due, and cashback rewards; personal loan eligibility and EMI schedules. Retrieved with the same auth context so dashboards avoid duplicate logins.

Use case: cashback aggregators, debt-consolidation planners, corporate card expense pipelines.

6. KYC & onboarding attributes

Read-only surface for video-KYC outcome, PAN/Aadhaar derivation flags, address-on-file, and account opening status. Useful when a partner product wants to skip re-KYC for an already-onboarded 811 customer.

Use case: insurance add-ons, MF investments, BNPL underwriting.

Scenario A — SME bank reconciliation

Context: A D2C brand running its collections on a 811 current/savings account needs to reconcile ~5,000 UPI credits/day against its Shopify orders.

Data involved: UPI event webhook (VPA, reference ID, amount, timestamp) + statement API (running balance, charges).

OpenFinance mapping: Mirrors the Account Aggregator "Deposit / Transactional data" category; events are normalized to the same schema regardless of channel (UPI/NEFT/IMPS), enabling a portable reconciliation engine.

Scenario B — Consumer net-worth dashboard

Context: A personal-finance app wants to pull the user's 811 savings balance, ActivMoney FD ladder, and credit card dues into a single "real wealth" number updated daily.

Data involved: Balance API, FD positions API, card statement summary.

OpenFinance mapping: Equivalent to an AA FIU pulling "Deposit + TermDeposit + Credit Card" FI types under user consent; we implement the same semantic surface even outside the AA rails.

Scenario C — Credit underwriting signal

Context: A BNPL lender wants to ingest 6 months of 811 transaction history to build income-stability and EMI-bounce features.

Data involved: Transaction ledger (tagged by counterpart name, MCC), salary-credit detector (by narration patterns), balance-at-month-end.

OpenFinance mapping: Analogous to an AA consent with purpose code "104 - Explicit consent of the customer for credit underwriting".

Scenario D — Expense app category sync

Context: A consumer expense tracker wants to classify each 811 debit into categories (food, travel, EMI, rent) and push insights to its React Native app.

Data involved: UPI + card + NEFT events with MCC and merchant string; optional enrichment via external MCC-to-category tables.

OpenFinance mapping: Standard "Transactional data" category, enriched at our gateway layer.

Scenario E — Treasury rollup across neobanks

Context: A founder holds operating funds across 811, Jupiter, and Fi Money and wants a single cashflow view.

Data involved: Balance + statement from 811, combined with equivalent feeds we build for the other accounts.

OpenFinance mapping: Multi-FIP aggregation with a unified transaction schema — our gateway normalizes field names (e.g. txn_id, counterpart_vpa, running_balance) across providers.

1) Session bootstrap (mobile OTP + device bind)

POST /api/v1/kotak811/session/init
Content-Type: application/json

{
  "mobile": "+9198XXXXXX12",
  "device_id": "a1f7-...-b93c",
  "app_version": "15.x",
  "consent_ref": "CST-2026-04-20-4f91"
}

// Response
{
  "challenge": "OTP_SMS",
  "txn_id": "sess_9f1b2c",
  "expires_in": 180
}

OTP is then submitted via /session/verify, returning a short-lived access token and an opaque refresh token bound to device_id.

2) Paginated statement export

POST /api/v1/kotak811/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "account_id": "811-SAV-****7731",
  "from_date": "2026-01-01",
  "to_date":   "2026-03-31",
  "channels":  ["UPI","IMPS","NEFT","CARD"],
  "page": 1, "page_size": 200
}

// Response (abbreviated)
{
  "page": 1, "has_next": true, "total": 413,
  "items": [{
    "txn_id": "T0D8E2F1",
    "ts": "2026-03-29T09:41:22+05:30",
    "channel": "UPI",
    "direction": "DEBIT",
    "amount": 499.00, "currency": "INR",
    "counterpart": {"vpa": "merchant@icici","name": "BigBasket"},
    "ref_id": "410932215577",
    "running_balance": 18422.17,
    "narration": "UPI/410932215577/BIGBASKET"
  }]
}

3) Real-time UPI webhook

POST https://your-app.example/webhooks/kotak811
X-Signature: sha256=... (HMAC over body)
Content-Type: application/json

{
  "event": "upi.credit",
  "occurred_at": "2026-04-20T10:12:44+05:30",
  "account_id": "811-SAV-****7731",
  "amount": 2499.00,
  "ref_id": "411110987654",
  "payer_vpa": "abhi@okhdfcbank",
  "idempotency_key": "evt_01HZ...QK"
}

// Expected 2xx within 5s; else retried with
// exponential backoff for up to 24h.

4) Error handling & resiliency

• 401 session_expired — client refreshes via /session/refresh and retries once.
• 409 step_up_required — trigger biometric re-auth for sensitive endpoints (e.g. FD creation).
• 429 rate_limited — respect Retry-After; default gateway quota 10 rps per token.
• 503 upstream_unavailable — cached balance served with stale_until marker.

All webhooks are signed with an HMAC-SHA256 shared secret and include idempotency_key so consumers can de-duplicate retries safely.

Regulatory frame

• RBI Account Aggregator (AA) framework — India's consent-based OpenBanking standard, overseen by the Reserve Bank of India and technically governed via Sahamati and ReBIT. As of end-2025, the ecosystem covers 2.6B+ enabled accounts across 900+ FIPs/FIUs — this is the target shape for all new Kotak 811 data pipelines.
• Digital Personal Data Protection Act (DPDPA) 2023 — India's primary personal-data law; we enforce purpose limitation, retention caps, and deletion SLAs.
• NPCI UPI 2.0 guidelines — followed for any UPI-adjacent flow (mandates, AutoPay, QR).
• KYC master directions (RBI KYC MD 2016, updated) — respected when surfacing KYC attributes.

What we commit to

• Authorized access only — customer-owned credentials or documented public APIs; no "crack" techniques.
• Minimum-necessary data scope per scenario; fields outside scope are never retrieved.
• Consent logs with purpose, duration, and revocation receipts per AA conventions.
• At-rest AES-256 encryption for tokens and payloads; in-transit TLS 1.3.
• NDAs and data-processing addenda available on request.

Deliverables checklist

• OpenAPI 3.1 specification for every exposed endpoint
• Protocol & auth-flow report (OTP + device-bound tokens + step-up)
• Runnable source code in Python (FastAPI) or Node.js (NestJS)
• Dockerfile + docker-compose for local bring-up
• Postman / Bruno collection with sample payloads
• Automated test harness covering happy path + error codes
• Compliance note: AA alignment, DPDPA 2023 checklist, retention policy
• 30-day free maintenance window after handover

Two engagement models

• Source code delivery from $300 — you receive runnable API source code + documentation; you pay after delivery upon satisfaction. Best when you want to self-host.
• Pay-per-call hosted API — we operate the endpoints; you pay only for the calls you make, no upfront cost. Best for MVPs and seasonal workloads.

Jupiter Money

Federal Bank-backed neobank with ~3M+ users, AI-driven expense insights, and 1% cashback on spends. Users who also use Jupiter typically want unified transaction exports across Jupiter + 811 for a single PFM view.

Fi Money

Federal Bank-issued savings app focused on salaried professionals, goal-based savings, and smart deposits. Joint 811 + Fi integrations are common for people who split salary and spends across both accounts.

NiyoX

Equitas Small Finance Bank-backed wealth + savings account with up to ~7% interest and zero forex markup. NiyoX holders often integrate alongside 811 to combine a high-yield account with UPI convenience.

Freo (formerly MoneyTap)

Combines a savings account with a credit-line facility. Freo + 811 integrations surface a consolidated liquidity + short-term credit view for users.

PhonePe

India's largest UPI app by volume, with insurance and mutual-fund distribution. Merchants who collect via both PhonePe and 811 current accounts need unified UPI reconciliation feeds.

Paytm

All-in-one wallet + UPI + marketplace platform. When users keep balances in Paytm and 811 simultaneously, cross-platform statement reconciliation becomes a frequent integration need.

Google Pay (India)

Widely used UPI app tied to underlying bank accounts. 811 is a popular underlying account for GPay users, which makes 811 transaction feeds a natural enrichment source for GPay-centric workflows.

PayZapp (HDFC)

HDFC's wallet + UPI app. Teams that serve multi-bank India users often ask us to stitch 811 + PayZapp feeds into one transaction timeline.

YONO (SBI)

State Bank of India's flagship digital banking super-app covering accounts, cards, loans, and investments. Pairing YONO data with 811 data is common for users who keep a salary account at SBI and a digital spend account at 811.

HDFC MobileBanking & ICICI iMobile

The two other heavyweight private-bank super-apps in India. Many SMEs operate across HDFC/ICICI current accounts and 811 savings, and require a single reconciliation layer — exactly the gateway shape we build.

From kickoff to first delivery

1. Day 0 — Scope call. Confirm target modules (login, statement, UPI webhook, FD, etc.) and consent boundaries.
2. Days 1–4 — Protocol analysis. We map the 811 client-backend conversation, document auth and step-up rules, and design the gateway schema.
3. Days 4–10 — Build & internal QA. Implementation in Python or Node.js with automated tests and fault-injection runs.
4. Days 10–12 — Documentation & handover. OpenAPI spec, Postman collection, compliance note, deployment guide.
5. Day 12+ — Free 30-day support window for tuning and edge-case fixes.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

Can you combine 811 with other banks?

About our studio

We are an independent technical studio focused on App interface integration and authorized API integration. Our engineers have spent years building for Indian and international fintech: payment gateways, protocol analysis labs, open-banking FIU connectors, and cloud-native API platforms. We understand UPI, NPCI, RBI Account Aggregator, NACH, and cross-border rails at a practitioner level.

• Protocol analysis, API design, and backend refactoring for mobile-first banking apps
• OpenData / OpenFinance / OpenBanking integration playbooks
• Custom Python / Node.js / Go SDKs and test harnesses
• End-to-end pipeline: protocol analysis → build → validation → compliance
• Source code delivery from $300 — runnable source code + documentation; pay on satisfaction
• Pay-per-call API billing — hosted endpoints, no upfront fee, usage-based pricing

Contact

Ready to scope a Kotak 811 integration or a multi-app rollup? Send your target apps and concrete requirements — we will reply with a fixed-price quote and a draft delivery plan.

Open the contact page →

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