Kotak Mahindra Bank Interest Rates & Calculators
Complete guide to Kotak Mahindra Bank interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
For Senior Citizens
Lowest available EMI
Flexible tenures
Up to ₹5 Lakhs insured
Kotak Mahindra Bank FD Rates Overview
Kotak Mahindra Bank currently offers fixed deposit interest rates of up to 6.8% p.a. for the general public, and 7.3% for senior citizens. The full slab-wise Kotak rate table is below — use the FD and RD calculators to compute your exact maturity amount.
Kotak Financial Calculators
FD Calculator
Calculate Kotak Fixed Deposit returns with latest rates
RD Calculator
Plan your Kotak Recurring Deposit investments
Home Loan EMI Calculator
Calculate Kotak home loan EMI with current rates
Personal Loan Calculator
Check Kotak personal loan EMI and eligibility
Kotak Credit Cards
Compare all 21 Kotak credit cards on net value, rewards & perks
Latest Kotak Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Kotak Mahindra Bank Fixed Deposit Rates
Latest Kotak Mahindra Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 - 14 Days | 2.75% | 3.25% |
15 - 30 Days | 2.75% | 3.25% |
31 - 45 Days | 3% | 3.5% |
46 - 90 Days | 3.5% | 4% |
91 Days | 4% | 4.5% |
92 Days - 179 Days | 4.25% | 4.75% |
180 Days | 5% | 5.5% |
181 Days to 269 Days | 5.5% | 6% |
270 Days | 5.5% | 6% |
271 Days to 363 Days | 6% | 6.5% |
364 Days | 6% | 6.5% |
365 Days to less than 15 Months | 6.35% | 6.85% |
15 Months to less than 18 Months | 6.45% | 6.95% |
18 months to less than 2 years | 6.55% | 7.05% |
2 years - less than 3 yearsHighest Yield | 6.8% | 7.3% |
3 years and above but less than 4 years | 6.4% | 6.9% |
4 years and above but less than 5 years | 6.4% | 6.9% |
5 years and above upto and inclusive of 10 years | 6.25% | 6.75% |
Kotak Mahindra Bank Recurring Deposit Rates
Latest Kotak Mahindra Bank Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
6 Months | 5.5% | 6% |
9 Months | 6% | 6.5% |
12 Months | 6.35% | 6.85% |
15 Months | 6.45% | 6.95% |
18 Months | 6.55% | 7.05% |
21 Months | 6.55% | 7.05% |
24 MonthsHighest Yield | 6.8% | 7.3% |
27 MonthsHighest Yield | 6.8% | 7.3% |
30 MonthsHighest Yield | 6.8% | 7.3% |
33 MonthsHighest Yield | 6.8% | 7.3% |
3 years - less than 4 years | 6.4% | 6.9% |
4 years - less than 5 years | 6.4% | 6.9% |
5 years - 10years | 6.25% | 6.75% |
Kotak Mahindra Bank Loan Rates
Kotak Mahindra Bank Loan Interest Rates Rates
Current Kotak Mahindra Bank loan interest rates and processing fees for different loan types.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home Loan | 8.7% | 10.65% | 0.5% of loan amount + GST |
Personal Loan | 10.99% | 20% | 2.5% of loan amount + GST |
Car LoanHighest Yield | 8.65% | 11% | ₹3,000 + GST |
Education Loan | 9.25% | 13% | 1% of loan amount + GST |
Business Loan | 11% | 17% | 2% of loan amount + GST |
Two Wheeler Loan | 10.25% | 15.5% | ₹2,000 + GST |
Gold Loan | 8.75% | 11.25% | ₹1,500 + GST |
Explore Best Kotak Mahindra Bank Credit Cards
Compare all 21 Kotak credit cards on real net annual value — cashback rates, airport lounge access, reward caps & fee waivers compared.
Why Choose Kotak Mahindra Bank?
Key benefits and features of banking with Kotak Mahindra Bank.
Competitive Rates
Up to 7.3% returns on deposits with attractive rates across short & long tenures.
Bank Security
RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
