Kotak Mahindra Bank vs Cosmos Bank Recurring Deposit Comparison 2026
Compare Recurring Deposit interest rates, maturity amounts, and features between Kotak Mahindra Bank (Private Sector) and Cosmos Bank (Private Sector).
Kotak
Cosmos Bank
Adjust the parameters below to see how returns compare between the two banks
Five Thousand rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -Kotak: % |Cosmos Bank: %
Direct comparison of general rates
Feature Comparison
Features | Kotak Private Sector | Cosmos Bank Private Sector |
|---|---|---|
Minimum RD Amount | ₹500 | ₹100 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Key Advantages:
Key Advantages:
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This includes both principal and accrued interest for RDs.
⚠️ Recommendation:
Keep your total deposits (RDs + FDs + Savings) under ₹5 lakhs per bank. If you need larger investments, distribute them across multiple banks.
Smart Distribution Strategy
Multiple RDs: Open RDs in both Kotak and Cosmos Bank
Family Accounts: Use different family members' accounts for additional coverage
💡 Pro Tip:
RDs are perfect for goal-based investing. You can open separate RDs for different financial goals across different banks to maximize returns and safety.
Key Insights & Recommendations
- • Minimum amount: ₹500
- • Private Sector banking preference
- • Premium banking experience
- • Personalized service
- • Technology-driven
- • Minimum amount: ₹100
- • Private Sector banking preference
- • Co-operative bank
- • Competitive interest rates
- • Digital banking services
- • Open multiple RDs for different goals
- • Keep ≤₹5L per bank for insurance
- • Compare rates before investing
- • Consider branch convenience
- • Review rates periodically
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Jump to other recurring deposit comparisons using these quick links.
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