Kotak Mahindra Bank Interest Rates & Financial Calculators
Compare FD, RD, and loan rates with our calculators
Complete guide to Kotak Mahindra Bank interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
Best FD Rate
7.2%
Home Loan Rate
8.7%
Bank Type
private
Last Updated
Jan 2026
Latest Kotak Interest Rates
Deposits (FD & RD) Interest Rates
Kotak Mahindra Bank Fixed Deposit Rates
FD CalculatorLatest 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 | 5% | 5.5% |
92 Days - 179 Days | 4.25% | 4.75% |
180 Days | 5.75% | 6.25% |
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 389 Days | 6.25% | 6.75% |
390 Days (12 months 25 days) | 6.5% | 7% |
391 Days - Less than 23 Months | 6.7% | 7.2% |
23 Months | 6.7% | 7.2% |
23 months 1 Day- less than 2 years | 6.7% | 7.2% |
2 years- less than 3 years | 6.4% | 6.9% |
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
RD CalculatorLatest 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 | 6.25% | 6.75% |
15 Months | 6.7% | 7.2% |
18 Months | 6.7% | 7.2% |
21 Months | 6.7% | 7.2% |
24 Months | 6.7% | 7.2% |
27 Months | 6.4% | 6.9% |
30 Months | 6.4% | 6.9% |
33 Months | 6.4% | 6.9% |
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 Calculators & Tools
Loan Interest 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 Loan | 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 |
Why Choose Kotak Mahindra Bank?
Discover the advantages of banking with one of India's most trusted financial institutions
Competitive Rates
Up to 7.2% returns on Fixed Deposits with attractive rates for all tenures
Bank Security
RBI regulated private bank with deposit insurance up to ₹5 lakhs
Digital Banking
Advanced mobile banking, online FD booking, and instant loan approvals through digital channels
Customer Service
24/7 customer support with extensive branch network and dedicated relationship managers
Additional Benefits
Interest rates last updated: Jan 2026
Data Source
Kotak Mahindra Bank Official Rates