Don't ever think about opening 811 account. You'll be charged for unnecessary services like transaction fee ₹29. Net banking charges ₹118 every 3 months. And if you don't have balance then your account will go into negative. If you don't use your account then charges will incurred by negative balance. I'm going to close my account once 6 Months completed as before doing so I must have to pay ₹1000 for account closure. Think thousands times before opening